Why I Chose AARP Medicare Advantage (and What You Should Know Before You Do)

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When I first started looking into Medicare options, I felt like I was drowning in a sea of jargon: Part A, Part B, Medigap, Advantage plans—it was overwhelming. I mean, who knew healthcare could sound like a college syllabus? But after lots of research (and more than a few coffee-fueled late nights), I landed on AARP Medicare Advantage. Here’s how I made my choice and what I wish someone had told me beforehand.

Let’s start with the basics. AARP Medicare Advantage is a plan offered through United Health care. It bundles your Medicare Part A (hospital insurance) and Part B (medical insurance) into one plan, and often throws in extra benefits like dental, vision, and prescription drug coverage. Think of it like an all-in-one healthcare package.

For me, the appeal was having everything in one place. I didn’t want to juggle five different plans and a dozen different bills. Simplicity is key, especially when it comes to something as complicated as healthcare.

Okay, here’s the thing. I didn’t just pick AARP because of their catchy commercials or because my mom swears by them (although both were tempting reasons). I chose them because they offer plans with some serious perks.

One big selling point? Fitness benefits. Yep, they offer gym memberships through SilverSneakers. I figured if I’m going to pay for healthcare, I might as well get some free workouts out of it! Plus, their dental and vision coverage was a nice bonus since those can get pricey.

But honestly, what sealed the deal was the network of doctors. UnitedHealthcare has one of the largest networks out there, which means I didn’t have to switch my primary care physician or specialists. Trust me, the last thing you want is to find a new doctor when you’ve finally found one who gets you.

Now, full disclosure: no plan is flawless, and AARP Medicare Advantage is no exception. One thing I learned the hard way is that some plans have restricted networks. You have to stick to their list of “in-network” providers, or you’ll pay more.

I also found out that certain benefits vary by location. So, what works for someone in Florida might not be available in California. If you’re a snowbird (or just like to travel), double-check those details.

If you’re considering AARP Medicare Advantage—or any Medicare plan—here are a few things I learned that might help:

• Make a list of your must-haves. For me, it was keeping my doctor and getting vision coverage. For you, it might be something else.
• Check the drug formulary. This is a fancy way of saying, “Make sure your prescriptions are covered.”
• Look at out-of-pocket costs. Premiums are important, but don’t forget about deductibles, copays, and coinsurance. They add up fast.
• Call and ask questions. Seriously, don’t be shy. I spent a good hour on the phone with a UnitedHealthcare rep asking about everything from coverage limits to how to file a claim.

After a few months on AARP Medicare Advantage, I can say I’m pretty happy with it. I haven’t run into any major issues (knock on wood), and the customer service has been helpful. Plus, I’m actually using that SilverSneakers membership—it’s a great motivator to stay active.

One small hiccup? I had to switch pharmacies to get the best deal on my meds. It was a little inconvenient, but the savings made it worth it.

Choosing a Medicare plan is a deeply personal decision. What works for me might not be the best fit for you. But if you’re looking for something comprehensive with a few extra perks, AARP Medicare Advantage is worth a look.

Just remember to do your homework. Compare plans, ask questions, and don’t be afraid to walk away if something doesn’t feel right. After all, this is your health we’re talking about.

Oh, and one last thing: if you do end up with AARP, check out their discounts. They have deals on everything from travel to dining, and hey, who doesn’t love a good bargain?

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