Insurance Options

Insurance Basics

Individual Health Insurance

Individual health insurance is exactly as it sounds - coverage you purchase on your own. And, because it's your decision, you should have exactly what you want. AARP® Essential Premier Health Insurance*, insured by Aetna Life Insurance Company (Aetna), is custom-designed exclusively for AARP members 50-64 and their dependents.

  • Plans & Pricing
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  • Limitations & Exclusions

Aetna gives you options with a range of quality health insurance plan choices to fit most any budget. These plans are flexible enough for people who are retired, looking into early retirement, coming off of COBRA, self-employed or seeking coverage for dependents.

Some Plans Offer Benefits Like:

Lower Monthly Premium

When you choose from Aetna’s wide range of health insurance plans, you have the option of different price and coverage levels. Based on the plan you choose, you can take advantage of lower monthly premiums to help fit your budget.

Preventive Care

To help you stay healthy, AARP Essential Premier Health Insurance plans cover several preventive health services right up front, without meeting your deductible requirements first. Examples:

  • Flu shots and other vaccinations (no copay; no physical exam needed)
  • Routine office visits: annual GYN exam, yearly mammogram and yearly physical exam
  • Routine colonoscopies

Eye Exam Coverage

Get coverage for one eye exam every 12 months with no copay and no deductible when you see an innetwork provider.

Precription Drug Coverage

A majority of Aetna’s health insurance plans offer coverage for generic prescription drugs. You also may
be covered for brand-name drug coverage, depending on which individual plan you choose.

Valuable Extras

There’s even more good news for members of the AARP Essential Premier Health Insurance Plan. All plans offer valuable extras to members such as access to Simple Steps for a Healthier Life®, an online health and wellness program designed to help you achieve your health goals. These programs aren’t insurance, but they do offer special savings and services.

Plan details and eligibility guidelines vary by state. Please call Aetna at 1-866-844-0824 for plan information for your area, or visit www.aarphealthcare.com/aetna.

*Not all plans are available in all states

Ready to Learn More?

AARP Essential Premier Health Insurance Information

Phone: 1-866-844-0824

Monday - Friday: 7am to 11pm EST
Saturday: 9am to 5pm EST

AARP Essential Premier Health Insurance Plan is the name of the plan provided for AARP members by Aetna Life Insurance Company (Aetna). In some states, individuals may qualify as a business group of one or may be eligible for guaranteed issue, small group health plans. AARP Essential Premier Health Insurance plans are medically underwritten by Aetna and you may be declined coverage in accordance with your health condition. If declined coverage, you may be federally eligible under the Health Insurance Portability and Accountability Act (HIPAA) or a special guaranteed issue plan under you state's laws and regulations.

Plan details and eligibility guidelines vary by state. Please call 1-866-844-0824 for plan information for your area.

The AARP Essential Premier Health Insurance Plan is endorsed by AARP and Aetna pays a royalty fee to AARP for use of the AARP intellectual property. Amounts paid are used for the general purpose of AARP and its members. AARP Health is a collection of health-related products, services and insurance programs made available by AARP. Neither AARP nor its affiliate is the insurer.

The AARP Insurance Plan (“Trust”) is a trust that holds the master group insurance policy issued by Aetna Life Insurance Company. Participants are issued certificates of insurance by Aetna under the master group insurance policy. The benefits of participating in an insurance program carrying the AARP name are solely the right to receive the insurance coverage and ancillary services provided by the program in which you participate. Neither the Trust nor AARP provide insurance or guarantee the benefits offered by the insurer.

Premiums are collected from you on behalf of the trustees of the Trust. These premiums are used to pay expenses incurred by the Trust in connection with the insurance programs and to pay the insurance company for your insurance coverage. Income earned from the investment of premiums while on deposit with the Trust is paid to AARP and used for the general purposes of AARP and its members. AARP does not recommend health-related products, services, insurance or programs. Insurance products carrying the AARP name are intended to be competitive products and may not be the lowest priced products. You are strongly encouraged to evaluate your needs and compare products. AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse insurance agents, brokers, representatives or advisors.

This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Health insurance plans contain exclusions and limitations. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change.

Policy forms issued in OK include: GR-29/GR-29N. Policy forms issued in ID include GR-9N 10054-OCPH 3000 01 Limited Plans / GR-9N 10054 OC-PH-1250 01 Limited Plans / GR-9N 10054-OC-HDHP 01 / GR-9N 10054-OC 01