Is Aarp Supplemental Insurance Worth It?

Are you considering signing up for AARP Supplemental Insurance but not sure if it’s worth the cost? You’re not alone. With so many insurance options out there, it can be overwhelming to decide which one is right for you.

In this blog post, we’ll dive into what AARP Supplemental Insurance is all about, how much it costs, and what kind of coverage you can expect. By the end of this article, you’ll have a better idea of whether or not AARP Supplemental Insurance is worth investing in for your healthcare needs. So sit back and let’s explore together!

What is AARP Supplemental Insurance?

AARP Supplemental Insurance, also known as Medigap, is a type of private insurance that works alongside Medicare. It helps cover some of the expenses that Original Medicare doesn’t pay for, such as deductibles, copayments and coinsurance. This can make a big difference in your out-of-pocket costs if you have a lot of medical bills.

One thing to note about AARP Supplemental Insurance is that it’s only available to people who are already enrolled in Medicare Parts A and B. You’ll need to keep paying your monthly Medicare premiums even when you have supplemental insurance.

Another benefit of AARP Supplemental Insurance is that it allows you to see any doctor or specialist who accepts Medicare patients without needing referrals or prior authorizations from an insurance company.

AARP Supplemental Insurance offers peace of mind knowing that unexpected healthcare costs won’t derail your finances.

How Much Does AARP Supplemental Insurance Cost?

AARP Supplemental Insurance is offered to members of AARP as a way to fill the gaps in their current insurance coverage. The cost of this insurance will depend on several factors such as age, health status, location and the specific plan chosen.

AARP has different plans available for its members with varying levels of coverage and deductibles. Therefore, it is important to assess your needs before choosing a plan that fits your budget.

The average monthly premium for AARP Supplemental Insurance ranges from $50-$300 depending on several variables such as the state you live in and level of coverage you need. It’s worth noting that prices may increase with time due to inflation or changes in medical costs.

While some people might consider these premiums expensive, others find them reasonable considering the benefits provided by the supplemental insurance policy. It all comes down to personal choice and financial ability.

While cost should be considered when deciding whether AARP Supplemental Insurance is worth it or not, one must also take into account individual circumstances like existing health conditions and potential future medical expenses before making any decisions about buying supplemental insurance policies.

What Does AARP Supplemental Insurance Cover?

AARP Supplemental Insurance, also known as Medigap insurance, is designed to cover the gaps in Medicare coverage. These gaps can include deductibles, co-payments, and coinsurance that are not covered by Original Medicare.

AARP Supplemental Insurance covers a variety of medical expenses including hospital stays, skilled nursing care, hospice care, and home health services. It also provides coverage for emergency medical services received outside of the United States.

In addition to basic coverage options, AARP Supplemental Insurance offers several additional benefits such as vision care and hearing aid coverage. Some plans may even offer fitness program memberships at no additional cost.

It’s important to note that AARP Supplemental Insurance does not cover prescription drugs. For this reason, it’s recommended that beneficiaries enroll in a separate Part D plan to ensure their prescription drug needs are met.

Overall, AARP Supplemental Insurance provides peace of mind for those who want comprehensive medical coverage without breaking the bank. With various plan options available,it’s essential to carefully review each one before deciding on the best fit for personal healthcare needs.

Is AARP Supplemental Insurance Worth It?

When it comes to healthcare expenses, it’s essential to have some sort of insurance coverage. Medicare alone may not cover all your medical bills, leaving you with out-of-pocket expenses that can quickly pile up. This is where AARP Supplemental Insurance comes in.

AARP Supplemental Insurance provides additional health insurance coverage beyond what Original Medicare covers, such as copayments, coinsurance and deductibles. It’s designed to help fill the gaps left by Medicare so that you can avoid costly medical bills.

The cost of AARP Supplemental Insurance varies depending on factors such as location, age and gender. However, most people find that the monthly premium is well worth the added benefits they receive from this plan.

With comprehensive coverage options available through AARP Supplemental Insurance plans, including prescription drug coverage and dental care benefits, many individuals feel more secure knowing they won’t be left with unexpected or unmanageable healthcare costs.

If you’re looking for peace of mind when it comes to your healthcare expenses in retirement years – then AARP supplemental insurance could be a good option for you!


AARP Supplemental Insurance is definitely worth considering for those who want to have additional coverage and peace of mind. The cost may vary depending on your location and the plan you choose, but it can be a great investment in protecting yourself from unexpected medical expenses.

With its comprehensive coverage options and many benefits for members, AARP Supplemental Insurance provides an excellent value for seniors who want to ensure that they are well-covered in case of accidents or illnesses.

If you’re looking for reliable supplemental insurance with a trusted provider, AARP may be just what you need. So why not explore your options today? You never know when you might need that extra protection!