AARP Medicare Supplement Insurance Plans : Choosing the right Medicare Supplement Insurance Plan is crucial for those in Minnesota looking to reduce out-of-pocket healthcare costs. AARP Medicare Supplement Insurance Plans, provided by UnitedHealthcare Insurance Company, offer a variety of options to help cover expenses not paid by Medicare. This article provides a detailed comparison of the plans available in Minnesota, helping you make an informed decision to protect your health and finances.
Overview of Available Plans:
UnitedHealthcare offers two main types of AARP Medicare Supplement Insurance Plans in Minnesota: the Basic Plan and the Extended Basic Plan. These plans cater to different needs and include optional riders that provide additional coverage. Below, we compare the benefits of these plans and discuss the optional riders available for purchase.
Basic Plan:
The Basic Plan covers essential medical expenses, including Medicare Parts A and B co-insurance, hospice care co-insurance, skilled nursing facility co-insurance, and foreign travel emergency care. Additionally, it covers the first three pints of blood, home health care services, medical supplies, and certain preventive services like immunizations and cancer screenings that are not covered by Medicare.
Extended Basic Plan:
The Extended Basic Plan offers all the benefits of the Basic Plan with added coverage for:
– Medicare Part A hospital deductible
– Medicare Part B annual deductible (not available to those newly eligible for Medicare after January 1, 2020)
– Non-Medicare eligible expenses, such as physician services and home health agency services
– Preventive medical care, including annual physicals and screenings, up to $120 per calendar year
AARP Medicare Supplement Insurance Plans : Rider Options for Additional Coverage:
If you choose the Basic Plan, you can enhance your coverage by purchasing optional riders. These riders are designed to cover specific gaps not addressed by the Basic Plan:
– Rider 1 : Covers Part A deductible, Part B excess charges, and preventive care.
– Rider 2 : Covers the Part B annual deductible (Note: Not available to those newly eligible for Medicare on or after January 1, 2020).
– Rider 3 : Covers only the Part A deductible.
– Rider 4 : Covers Part B excess charges.
– Rider 5 : Covers preventive care.
For those looking for comprehensive coverage, Rider 1 is an excellent choice as it includes all the benefits provided by Riders 3, 4, and 5.
Plan Comparison Table:
The table below summarizes the benefits provided by each plan and rider option available in Minnesota:
| Benefit | Basic Plan | Extended Basic Plan | Rider 1 | Rider 2 | Rider 3 | Rider 4 | Rider 5 |
|——————————————-|—————-|————————–|————-|————-|————-|————-|————-|
| Part A (Hospitalization) Co-insurance | ✓ | ✓ | ✓ | – | ✓ | – | – |
| Part B (Medical) Co-insurance | ✓ | ✓ | ✓ | – | – | ✓ | – |
| First 3 Pints of Blood | ✓ | ✓ | – | – | – | – | – |
| Hospice Care Co-insurance | ✓ | ✓ | – | – | – | – | – |
| Skilled Nursing Facility Care Co-insurance| ✓ | ✓ | – | – | – | – | – |
| Home Health Care Services | ✓ | ✓ | – | – | – | – | – |
| Part A Deductible | – | ✓ | ✓ | – | ✓ | – | – |
| Part B Annual Deductible | – | ✓ | ✓ | ✓ | – | – | – |
| Part B Excess Charges | – | ✓ | ✓ | – | – | ✓ | – |
| Foreign Travel Emergency Care | ✓ | ✓ | – | – | – | – | – |
| Preventive Care | – | ✓ | ✓ | – | – | – | ✓ |
Why Choose an AARP Medicare Supplement Insurance Plan?
AARP Medicare Supplement Insurance Plans provide several advantages that make them an attractive option for those looking to enhance their Medicare coverage:
– Keep Your Doctor: You can continue seeing your doctor as long as they accept Medicare patients.
– Specialist Visits Without Referrals: No need to get a referral to see specialists.
– No Claim Forms: UnitedHealthcare takes care of the paperwork for you.
– Guaranteed Lifetime Coverage: As long as you pay your premiums and avoid making any material misrepresentations, your coverage is guaranteed for life.
– Nationwide Coverage: Your coverage travels with you anywhere in the U.S.
AARP Medicare Supplement Plans Conclusion:
Choosing the right Medicare Supplement Insurance Plan can significantly reduce your out-of-pocket healthcare expenses. AARP Medicare Supplement Plans offered by UnitedHealthcare provide a range of options to meet your needs, whether you require basic coverage or more comprehensive protection. Be sure to compare the benefits and costs of each plan and consider adding optional riders to ensure you have the coverage that best suits your needs.
For more detailed information and to compare plans, visit: [AARP Medicare Supplement Insurance Plans](https://www.aarpmedicaresupplement.com/).
