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. Premier-level coverage includes benefits for preventive care, prescription drugs, doctor visits and hospital stays.** You also gain access to Aetna's nationwide provider network when you travel.
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.
Choice
Choose from a wide range of health insurance plans, with different price and coverage levels. You can select from three (3) options: robust Premier PPO plans; High Deductible plans compatible with tax-advantaged HSAs; or more affordable Preventive and Hospital Care plans.***
Family coverage
The plan offers you and your family quality coverage at an excellent value. You can apply for coverage for yourself, your spouse or domestic partner, and dependent children. Coverage can include prescription drugs, doctor visits, hospitalization and upfront preventive care.
Preventive care
To help you stay healthy, AARP Essential Premier Health Insurance plans cover several preventive health services right upfront, without meeting your deductible requirements first. You're covered for:
Vision
Plan members are eligible for one eye exam every 12 months with no copay and no deductible when they see an in-network provider. Plan members are also eligible for discounts on eyewear (lenses and frames) offered through AARP® Vision Discounts provided by EyeMed Vision Care. To find out which optometrists are in your network, visit the Aetna DocFind website. To learn more about the vision care program, visit the EyeMed Vision Care page.
Note: Not all network providers honor both $0 copay vision exam and AARP Vision Discount Program provided by EyeMed Vision Care.
Tax advantages
Our High Deductible plans are compatible with tax-advantaged Health Savings Accounts (HSAs). You can contribute money to your HSA tax free. That money earns interest tax-free. And withdrawals for medical expenses are tax free, too.
Coverage when you travel
Like to travel? You're covered by a nationwide network of doctors and hospitals that accept Aetna's negotiated fees. There's even reimbursable coverage for health care services when you travel internationally.
Plan details and eligibility guidelines vary by state. Please call 1-866-844-0824 for plan information for your area, or visit www.aarphealthcare.com/aetna.
*Not all plans are available in all states
**Not all plans cover all of the mentioned benefits. Coverage varies by plan.
***The AARP Preventive and Hospital Care plans, provided by Aetna, are not considered major medical plans and may not cover all your medical needs.
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. 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. Policy forms issued in OK include: GR-29/GR-29N. Policy forms issued in ID include GR-9N 10054-OC-PH 3000 01 Limited Plans / GR-9N 10054 OC-PH-1250 01 Limited Plans / GR-9N 10054-OC-HDHP 01 / GR-9N 10054-OC 01.