Is AARP a Supplemental Insurance?

As people age, they often need to consider their health insurance options. Medicare is a popular choice for many seniors, but it doesn’t always cover all of the healthcare costs associated with aging. That’s where supplemental insurance comes in. Many seniors look to organizations like AARP for supplemental insurance. But is AARP a supplemental insurance provider? In this article, we will explore the answer to this question and look at the different types of supplemental insurance available through AARP, as well as the pros and cons of using them as a supplemental insurance provider.

What is AARP?

AARP stands for the American Association of Retired Persons. It is a nonprofit organization that provides information, resources, and services to those over 50 years old. AARP was founded in 1958 and has since grown to include more than 38 million members across the United States and Puerto Rico.

What Does AARP Offer?

AARP offers a variety of services and discounts to its members, including travel discounts, health and wellness programs, financial planning tools, and insurance products. The organization also provides advocacy on issues related to aging and retirement.

How Does AARP Work?

AARP members pay an annual membership fee in exchange for access to the organization’s resources and services. Members can also take advantage of discounts on products and services from partner companies such as hotels, car rentals, prescription drugs, and more.

Who Qualifies for AARP Membership?

Anyone over 50 years old is eligible for AARP membership. Some people may qualify for discounted rates if they are younger than 50 but have certain medical conditions or disabilities that make them eligible for special enrollment status in the organization.

Benefits of Joining AARP

Membership in AARP comes with a variety of benefits that can help seniors save money on everyday expenses like groceries, prescriptions, travel costs, and more. Additionally, members have access to a wide range of resources related to health care coverage options, financial planning advice, job search assistance, legal advice, and more.

Is AARP a Supplemental Insurance?

Yes! AARP does offer supplemental insurance plans that can be used in addition to traditional Medicare coverage or other existing health care plans you may have in place already. These plans are designed to provide additional coverage for expenses not covered by traditional Medicare or other health care plans you may have in place already such as dental care or vision care costs that Medicare does not cover or co-payments associated with doctor visits or prescription drugs not covered by your existing plan(s).

Different Types of Supplemental Insurance Available Through AARP

AARP offers several different types of supplemental insurance plans including: hospital indemnity insurance; critical illness insurance; accident insurance; long-term care insurance; vision care; hearing care; dental care; prescription drug coverage; and international travel coverage plans. Each plan offers different levels of coverage depending on your individual needs so it’s important to research each option carefully before making a decision about which one is right for you.

Pros and Cons of Using AARP as a Supplemental Insurance Provider

There are both pros and cons associated with using AARP as your supplemental insurance provider so it’s important to weigh them carefully before making your final decision:


• Convenient – With all their plans available online it makes it easy to compare different plans without having to leave your home or office

• Affordable – Many of their plans are reasonably priced compared to similar offerings from other providers

• Variety – With so many different types of supplemental insurance available you’re sure to find one that meets your needs


• Limited Coverage – Depending on the plan you choose some may not offer enough coverage for your needs

• Lack of Flexibility – Plans may not be able to be adjusted if your needs change over time

• Limited Network – Not all doctors or hospitals accept AARPs plans so you may have limited choices when selecting providers

Other Options to Consider for Supplemental Insurance

In addition to looking into what AARP has to offer there are several other options available when considering supplemental insurance including: private insurers; employer-sponsored group plans; Medicare Advantage Plans; Medicaid; Veterans Affairs (VA) benefits; TRICARE (for active military members); Indian Health Service (IHS); state high-risk pools; short-term health policies; discount medical cards; religious organizations; unions/associations/professional organizations/fraternal societies; COBRA continuation coverage; retiree health plans from former employers; long-term care policies from private insurers; state pharmaceutical assistance programs (SPAPs); charitable organizations/foundations/societies/nonprofits/community action agencies/free clinics/local government programs/social service agencies/volunteer organizations/public health departments/health departments/hospital outreach programs etc..


AARP is a great resource for seniors looking for supplemental insurance options but it’s important to weigh all your options before making a decision about which one is right for you. By researching all the different types of supplemental insurance available through AARP as well as other options available you can make an informed decision about which one best meets your needs now and in the future.