The many advantages of AARP® Essential Premier Health Insurance

This website is dedicated to the individual health insurance market for people under 65 but also over 55.  For an instant AARP health insurance quote visit our quote page by clicking the picture above.  The AARP individual plans offer not only great value but great benefits to this highly expensive demographic.

Welcome to AARP Essential Premier Health Insurance, insured by Aetna. This Premier-level, major medical health insurance plan is similar to plans offered by many companies to their employees. It offers you many advantages, including:

Family health insurance 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 children and grandchildren. Coverage can include prescription drugs, doctor visits, hospitalization and upfront preventive care.

You can enroll dependent children or grandchildren even if no other family member enrolls. All AARP Essential Premier Health Insurance plans in your state offer ‘Child Only’ coverage, which includes immunizations, well-child visits and emergency room visits.

AARP PPO Choice

Choose from a wide range of health insurance plans, with different price and coverage levels. You can select from three options: robust Premier PPO plans; High Deductible plans with tax-advantaged health savings accounts; or more affordable Preventive and Hospital Care plans.

Preventive care covered from the get-go

To help you stay healthy, AARP Essential Premier Health Insurance plans cover several preventive health services right up front, with no deductible applied. You’re covered for:

  • Flu shots (no copay; no physical exam needed).
  • Routine office visits, GYN exams, and physical exams.
  • Routine colonoscopies and routine mammograms.
  • Certain preventive medications covered on High Deductible Health Plans (no copay). Visit www.aarphealthcare.com/aetna for a list of qualified medications.

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 qualified 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 is even reimbursable coverage for health care services when you travel internationally.

Help with health information

Need health information fast? We offer secure Internet access to reliable health tools and resources through Aetna’s secure member website, an award-winning website for understanding and managing your health benefits. You can also call a registered nurse toll-free 24/7 through Aetna’s Informed Health® Line.

A variety of health plans to fit a variety of needs

In your state, there are three types of AARP® Essential Premier Health Insurance plans to choose from. One of these may be right for your situation:

Premier PPO Plans

Robust coverage, competitive premiums
  • An excellent combination of quality coverage and competitively priced premiums.
  • The freedom to see doctors whenever you need to, with no referrals needed.
  • Covers preventive care, prescription drugs, doctor visits and hospitalization.
  • No claim forms to fill out when you use a network provider.
  • Three (3) plan options, based on an annual deductible of $1500, $2500 or $5000.

High Deductible HSA Compatible Plans

Tax advantages, lower premiums
  • Lower monthly premiums, with a higher annual deductible.
  • Covers preventive care, prescription drugs, doctor visits and hospitalization.
  • Should be paired with a Health Savings Account (HSA), which lets you pay for qualified medical expenses with tax-advantaged funds.
  • See “HSA advantages” on page 11 for details.
  • Two (2) plan options, based on an annual deductible of $3000 or $5000.

Preventative and Hospital Plans (Catastrophic Health Plans)

Basic coverage, lower premiums
  • The most affordable premiums available.
  • Covers preventive care, including annual GYN exam, well-child care and physical exam.
  • Covers inpatient hospital stays, plus benefits for outpatient surgery, skilled nursing or home health care.
  • Two (2) plan options, based on an annual deductible of $1250 or $3000.

Note: This plan provides limited benefits only and does not constitute a major medical health insurance plan. It may not cover all expenses associated with your health care needs.

Aetna’s Aexcel© Specialist Physician Network*

Aexcel is Aetna’s Performance Network giving you access to high performing specialists

Aexcel-designated specialty doctors and doctor groups are part of the Aetna health care network of providers who’ve met industry-accepted practices for clinical performance, and have met Aetna’s efficiency standards.

There are 12 specialty categories: cardiology, cardiothoracic surgery, gastroenterology, general surgery, obstetrics and gynecology, orthopedics, otolaryngology/ENT, neurology, neurosurgery, plastic surgery, urology, and vascular surgery.

You don’t need a referral to visit an Aexceldesignated doctor in any of the 12 categories. Your out-of-pocket costs will also be lower, because your benefits are considered in-network. If you choose a non-designated specialist in any of 12 categories, your out-of-pocket expenses will be higher because your claim will be reimbursed at the out-of-network level.

Prospective AARP® Essential Premier Health Insurance members can search DocFind® online doctor directory at www.aetna.com/docfind/custom/advplans. Aexcel-designated doctors have a blue star next to their name.

AARP life insurance plans are also now available through our portal.