AARP, formerly known as the American Association of Retired Persons, is a nonprofit organization that provides a variety of benefits and services to its members. As the largest membership organization for seniors in the United States, AARP offers members access to a wide range of services, including health insurance plans and discounts on travel, entertainment, and more. One important benefit offered by AARP is coverage for nursing home care. In this article, we will discuss Does AARP Cover Nursing Home Care?
What is AARP?
AARP is a nonprofit organization that was founded in 1958 to serve the needs of older Americans. The organization has grown significantly over the years and now serves millions of members across the United States. AARP offers a variety of services to its members, including health insurance plans, discounts on travel and entertainment, financial advice, and more.
How Does AARP Cover Nursing Home Care?
AARP offers several different types of coverage for nursing home care. Depending on your individual needs and circumstances, you may be eligible for coverage through one of the following plans:
• AARP Medicare Supplement Insurance Plan: This plan provides coverage for medically necessary nursing home care as well as other medical expenses not covered by Medicare Part A or B.
• AARP Long-Term Care Insurance Plan: This plan helps cover long-term care expenses such as nursing home care and in-home care services.
• AARP Medicare Advantage Plans: These plans provide coverage for medically necessary nursing home care as well as other medical expenses not covered by Medicare Part A or B.
Benefits of AARP Coverage for Nursing Home Care
AARP’s coverage for nursing home care can help ease the financial burden associated with this type of care. By providing coverage for medically necessary nursing home care, AARP can help members save money on out-of-pocket expenses associated with this type of care. Additionally, some plans offer coverage for in-home care services which can help seniors remain independent while still receiving the care they need.
Types of Nursing Home Care Covered by AARP
AARP’s coverage for nursing home care includes medically necessary services such as skilled nursing services, physical therapy, occupational therapy, speech therapy, and more. Some plans also provide coverage for in-home care services such as personal care assistance and homemaker services.
What is Not Covered by AARP?
AARP’s coverage for nursing home care does not include custodial or long-term care services such as adult daycare or assisted living facilities. Additionally, some plans may have limitations on certain types of treatments or medications that are not covered by Medicare Part A or B. It is important to review your plan’s benefits carefully to understand what is and is not covered before enrolling in an AARP plan.
Who Is Eligible for AARP Coverage for Nursing Home Care?
To be eligible for AARP’s coverage for nursing home care you must be at least 65 years old and enrolled in Medicare Part B or have an approved Medicare Supplement Insurance Plan from another insurer that covers some portion of skilled nursing facility services (SNF). Additionally, you must meet certain income requirements to be eligible for some plans offered through AARP.
How to Apply for AARP Coverage for Nursing Home Care
To apply for an AARP plan that covers nursing home care you can contact your local Social Security office or visit the website at www.aarphealthcareplans.com/nursinghomecare/. You will need to provide information about your age, income level, current health status, and any medications you are taking before you can be approved for any type of plan offered through AARP.
Alternatives to AARP Coverage for Nursing Home Care
In addition to the plans offered through AARP there are several other options available that provide coverage for nursing home care expenses including Medicaid and long-term disability insurance policies from private insurers such as Prudential or MetLife. Additionally, some states offer programs specifically designed to help cover the cost of long-term care services such as California’s Medi-Cal program or New York’s EPIC program.
Conclusion
AARP offers several different types of coverage that can help ease the financial burden associated with nursing home care expenses including Medicare Supplement Insurance Plans, Long-Term Care Insurance Plans, and Medicare Advantage Plans. While these plans may not cover all costs associated with nursing home care it is important to understand what is covered before enrolling in one of these plans so that you can make an informed decision about which option is best suited to your individual needs and circumstances.
