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Understanding the AARP Medicare Supplement Plan F 

The American Association for Retired Persons (AARP) started in 1958 helping seniors and now has over 40 million members. After a person in America, reaches the age of 65 they qualify for health insurance coverage provided by the Medicare system. Medicare insurance covers many things for everyone that qualifies; however, there are significant things needed by seniors for their health care that are not covered. Many seniors find it advantageous to have these extra needs covered by supplemental healthcare insurance.

Medicare has two parts, A and B, which cover different things. In general, Part A is for things related to hospitalization. Part B is for things not related to hospitalization like regular visits to see a doctor. For Medicare Part A there is no premium payment; however, for Part B there is a premium payment. Under Medicare Part A and B, there are payments required by the insured person for deductibles, co-pays, and coinsurance.

Deductibles must be paid by the insured person before Medicare coverage begins. Co-pays are out-of-pocket costs paid for specifics things like doctor visits and treatments. Coinsurance is a percentage of the total covered medical costs that are not paid for by Medicare.

Supplemental Medicare insurance plans come from private insurance companies. These include those from Plan C to Plan H. These extra insurance coverage plans pay for services not covered by Medicare and some, like Plan F, pay for deductibles, co-pays, and coinsurance as well.

Plan F is popular and endorsed by AARP because it pays for many helpful things, including:

• Deductibles and coinsurance payments required under Medicare Part A

• Extended hospital benefits for an additional 365 days after all Medicare benefits are used.

• The first three pints of blood needed for treatments.

• Coinsurance and co-pays required under Medicare Part A for hospice care and skilled nursing care.

• Deductibles, coinsurance, and excess charges required under Medicare Part B

• Benefits needed when traveling outside the U.S.

For those who qualify for Medicare, it is helpful to consider the benefits of having aarp medicare supplement plan f insurance.