Health insurance through AARP?

I don't work for AARP but I do work in the billing office of a hospital and many patients who come through our hospital have AARP as supplemental. In fact, it is probably the most commonly used supplemental insurance, or at least where I live. I live in CT so I don't know whether you can have AARP in FL, but seeing as United Healthcare (UHC) is based out of Atlanta, Georgia, then I don't see why not.

I've found that AARP rarely seems to leave any financial responsibility to the patient except for the occassional Medicare Part B deductible, which some AARP plans don't cover. However, AARP follows Medicare's claim guidelines like most supplemental insurances do, so (for example), if Medicare denies your grandma's colonoscopy because they didn't think it was medically necessary, than AARP will deny also, and your grandma will owe the entire bill for that service.

But if you just want a secondary insurance plan that will pay their Medicare copays for your grandparents, than I would highly recommend AARP. Your grandparents can also choose to have United Healthcare for supplemental insurance (not the same as AARP) but UHC doesn't pay well as a secondary insurance, meaning your grandparents will owe more (just an observance).

Just out of curiosity, what supplemental insurance do they have now?

Other popular supplemental plans:
Bankers Life
Genworth Financial
Monumental Life
Mutual of Omaha
Anthem Blue Cross & Blue Shield

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