To qualify for an AARP® Essential Premier plan, you must be:

  • Between ages 50 and 64-3/4 (If applying as a couple, both you and your spouse or domestic partner must be under 64-3/4.)
  • Under age 19 for eligible dependent*† children; between ages 19 and 24 for unmarried eligible dependent children with proof of full-time student status
  • Legal residents in a state with products offered by these plans
  • Legal U.S. residents for at least 6 continuous months

Premium payments

Your premium payments are guaranteed not to increase for 6 months from your effective date. After that, your premiums may change. Final rates are subject to underwriting review, based on your health history.

Your coverage

Your coverage remains in effect as long as you pay the required premiums on time, and as long as you maintain membership eligibility. Coverage will be terminated if you become ineligible due to any of the following circumstances:

  • Non-payment of premiums
  • Residency requirements
  • Obtaining duplicate coverage
  • For other reasons permissible by law

Medical underwriting

Medical underwriting is required by AARP Essential Premier Health Insurance plans, which are not guaranteed issue plans. Some individuals can be federally eligible under the Health Insurance Portability Accountability Act (HIPAA) for a special guaranteed issue plan under state laws and regulations.

All applicants, enrolling spouses or domestic partners and dependents are subject to medical underwriting to determine eligibility and appropriate level of coverage. We offer various levels of coverage based on the known and predicted medical risk factors of each applicant.

After processing your application form, you may be:

  • Enrolled in your selected plan at the standard premium charge (lowest rate available)
  • Enrolled in your selected plan at a higher rate, based on medical findings
  • Declined coverage based on significant medical risk factors.

If you are currently covered

If you are currently covered by another carrier, you must agree to discontinue the other coverage before or on the effective date of the plan.

Pre-existing conditions

During the first 12 months following your effective date of coverage, no coverage will be provided for the treatment of a pre-existing condition unless you have prior creditable coverage**. A pre-existing condition is an illness or injury for which medical advice or treatment was recommended or received within 6 months preceding the effective date of coverage.

* An eligible dependent is defined as an unmarried person age 0 through age 18, and through age 24 (subject to state mandates) if a full time student and is primarily dependent upon an AARP member for support and maintenance and is one of the following:

  • A natural child
  • A stepchild
  • A legally adopted child
  • A child placed for adoption
  • A child for whom legal guardianship has been awarded to the AARP member
  • A relative of the AARP member by blood or marriage.

† In Idaho, dependent children must be under age 21 or be between ages 21 and 25 for unmarried eligible dependant children with proof of full-time student status.

** The applicant applying for individual coverage is considered to have prior creditable coverage if the lapse between the prior coverage termination date and signature date on the enrollment form is NOT greater than 63 days. Prior creditable coverage does not guarantee acceptance into the AARP Essential Premier Health Insurance Plan, insured by Aetna. Plans are medically underwritten and all applicants must submit a completed enrollment form. If the applicant has prior creditable coverage within 63 days immediately before the signature date on the enrollment form, then the pre-existing conditions exclusion of the plan will be waived.

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