Health Insurance Tips for AARP Members in the New Year

As the new year unfolds, health insurance policyholders often face the resetting of deductibles, prompting a review of their coverage. This period might involve the commencement of new insurance plans selected during the open enrollment phase, potentially leading to unexpected healthcare expenses or revealing gaps in standard coverage.

Doug Armstrong, Vice President of Health Products at AARP Services Inc., underscores the importance of addressing unexpected coverage shortfalls at the year's start. AARP member benefits can help mitigate these gaps, ensuring members continue to receive necessary care without encountering unforeseen financial burdens. For Medicare beneficiaries, it is crucial to verify plan details to avoid penalties, with opportunities to change their coverage until March 31.

Vision and hearing care often lack comprehensive coverage in standard health insurance policies, which is critical for aging individuals. AARP offers member benefits for vision and hearing insurance, enabling regular check-ups and access to care. These advantages include discounts on prescription eyewear, hearing aids, and free consultations through partners like AARP® Hearing Solutions™ provided by UnitedHealthcare® Hearing.

Oral health is another vital aspect, with routine dental exams helping detect conditions like diabetes and cardiovascular diseases. For those without dental coverage, AARP member benefits offer dental insurance options that support regular visits and preventive care. Additionally, coverage considerations such as long-term care insurance assist in managing age or disability-related expenses, with AARP providing resources for members to explore these options.

AARP also extends its offerings to savings and discount programs on prescriptions, eyewear, and medical devices. These member benefits, available through third-party affiliates, aim to provide comprehensive healthcare access while managing costs effectively. AARP encourages members to explore their benefits and options for detailed information.