AARP is one of the most recognized names in support groups. The organization has been lobbying and advocating for the elderly and retirees since 1958. AARP also partnered with United Healthcare private health insurance company to offer private Medicare health plans, including a group of Part D AARP Medicare Rx. These plans are available throughout the country.
AARP Medicare Savings Rx
For those who cannot keep pace with high premiums, with prices and co-payments, AARP offers AARP’s Medicare Rx savings plan. This plan offers lower monthly premiums and lower co-pays on a trade-off. There is an annual deductible amount that was reported by the Medicare Consumer Guide of $265 in 2007 and AARP reported $310 in 2010. AARP recommends this plan for the people with a few prescriptions.
AARP Rx Medicare Preferred
In accordance with Medicare Consumer Guide, AARP Medicare Rx Preferred Plan covers all drugs covered under Medicare Part D with pre-determined tiered co-payments. The premium is of average price and varies from region to region. Those enrolled in this plan will be covered immediately because there is no deductible for this plan. AARP says this plan is best for those who want a drug insurance that will keep them protected from surprise costs.
AARP Medicare Rx Enhanced
Like AARP Medicare Rx plan, the enhanced plan also covers all Medicare Part D drugs. However, since it has improved, it also includes additional drugs that are not normally covered by Part D. This plan also provides Tier 1 generic drugs coverage during the period without Part D coverage. This plan also has deductible and copayments for pre-set prescriptions. AARP recommends this plan for those who have high drug costs, especially those at greater risk of entering Part D coverage gap.
AARP has a large network of pharmacies. Medicare Consumer Guide reports that the company has more than 60,000 in-network pharmacies. AARP Medicare Rx members can also make use of a preferred mail order system that can offer discounts.
Tiers & Copayments
AARP Medicare Rx determines copayments based on a tier system. There are four levels. Tier 1 includes generic drugs and is the most affordable one. Tier 2 has an average price and includes brand name drugs that are preferred by AARP. Tier 3 is higher in cost and includes brand drugs not preferred by AARP. Lastly, there is a specialty level of drugs that are at the highest price.