Best AARP Health and Life Insurance Plans for 2025

Comprehensive healthcare and family protection plans are available for AARP participants over 50. Nevertheless, AARP is not an insurance company: it offers insurance products sold by partnering providers, such as New York Life or UnitedHealthcare. In this piece, we’re going to explore various life and health insurance products for AARP members, highlighting their features, benefits, and estimated costs.

AARP Long-Term Care Plans from New York Life

AARP provides long-term care plans in collaboration with New York Life, a Fortune 100 company, the biggest mutual life insurance provider in the U.S., and one of the biggest life insurers globally.

What is long-term care? It is a set of both medical and non-medical services supporting older people (especially those with conditions) with their daily activities. The care is provided not only in community centers and nursing homes but also at home. For example, people with disabilities can receive help with daytime supervision, preparing meals, bathing, dressing, transportation, and medical help. 

Its costs can be surprisingly high. The average annual cost of staying in a skilled nursing facility is very expensive. If an older American would like to stay in a private nursing home, the average price could be $116,654.76 per year. Unfortunately, this kind of assistance is not covered by health insurance like Medicare and Medicaid plans, or can be limited. Indeed, Medicare is highly likely to cover only 100 days of hospital stay.

Here comes Long-Term Care Plans from New York Life. It is easy to customize your plan by using the calculator on the website and selecting the options that suit you best. You can also receive a free guide from New York Life by entering your personal information into the dedicated form and downloading it from the nylaarp.com website.

The price of this type of insurance product usually varies depending on factors such as age, health, coverage, and the place of residence of the insured person. For example, for a 65-year-old female American, it can be approximately $2,500 per year for a long-term-care plan.

AARP Vision Plans from VSP

There are four vision plans provided by VSP for the AARP members. VSP, or VSP Vision Care, is the biggest vision insurance provider in the U.S.A. The fact that it was founded in 1955 by a group of optometrists tells us it has knowledge and appropriate experience in eye care. 

What is included in vision plans from VSP? All products include an annual eye test, glasses, lens enhancements, and more. Being an AARP member, you can have access to the wide network of ophthalmologists and optometrists, including private practice doctors. Moreover, you can purchase eyewear in more than 700 Visionworks retail shops and the Eyeconic online store for contact lenses, eyeglasses, and sunglasses. 

The premiums of the VSP plans are based on your age, place of living, and other aspects. Thus, the cost of the EyeHealth Focus Plan with the frame allowance of $150, $0 eye exam copay, paying no more than $20 for retinal imaging, and 15% off on contact lens examination will be $26 per month. However, there are cheaper options like Standard for $17.0/mo with the exam and retinal screening copay.

Dental Insurance Plans for Members and Their Families

There are plans for individuals or family coverage provided by the AARP Dental Insurance in cooperation with Delta Dental Company, an American network of dental insurance providers, working in all 50 states, the District of Columbia, and Puerto Rico as well. Being the largest provider in the USA, Delta and its partnering firms serve over 166 million Americans with dental insurance.

It is essential for aging citizens to have dental coverage, since the majority of oral problems occur in the older age group of 50-85 years, statistically. When you are retired and do not have a high income anymore, it might be challenging to pay for dental treatment expenses for those groups. Since the average price for a single dental implant is $5000 in the U.S., without any additional procedures, it would be better to have dental insurance for elderly Americans.

There are two main kinds of Delta plans that you can choose from. Delta Dental Pro starts from $32 and covers visits to any licensed dentist in your area, exams, cleanings, and X-rays from day one. DeltaCare USA Essential, starting from $27, offers no deductibles or annual maximums, but you have to select a DeltaCare USA dentist. Unfortunately, the availability in all states is limited, depending on the chosen plan. You can find out more about the plans available by getting your quote on the official website.

Life Insurance from AARP/New York Life

AARP provides Life Insurance with several plans in partnership with New York Life, the third-largest life insurance company and the largest mutual life insurance company in the USA. New York Life Insurance Company has been working since 1845 and has a superior financial stability rating of A++++ by AM Best.

Three basic insurance products are available for AARP participants:

• Term Life Insurance: a temporary insurance plan with coverage for a specified period, for instance, 10 or 20 years. 
• Permanent Life Insurance: a permanent insurance plan with coverage for the client’s entire life, which includes a cash savings account increasing over time.
• Guaranteed Acceptance Life Insurance: for older Americans who were refused to be insured by other providers because they were diagnosed with serious conditions like cancer or heart issues.

Speaking of premiums, the most expensive plan is Guaranteed Acceptance Life Insurance, with prices starting from $38-93 per month. However, it is more expensive because it has an automatic approval and guarantees that ill people will get their policy. Despite that advantage, Guaranteed Acceptance Life Insurance still has a waiting period of 2 years. The cheapest option is Term Life, offering up to $150K coverage with premiums starting from $13 (for $10,000 coverage) per month. 

Term Life insurance is more suitable for those who want to guarantee their family’s well-being for a specific period, such as while the children are in college or paying off a mortgage. As for the Permanent Life Insurance, the plan is considered useful for people who want to provide long-term financial protection for their dependents while building a savings fund. If you have a serious pre-existing condition, such as cancer, or want to avoid medical exams, Guaranteed Acceptance Life Insurance is your best choice, although less affordable.

Medicare Eligible Insurance

Medicare plans are offered by the AARP partner, UnitedHealthcare, a trustworthy insurer with extensive national coverage. Mostly, the main condition to apply for one of these plans is to be 65 years old or older, a resident or a citizen of the U.S. Still, in some states, if you are under age 65, but you are disabled or have end stage renal disease, you are eligible for the Medicare program as well. 

There are four basic plan options available to AARP members:

• Medicare Advantage (Part C) combines Medicare Part A (hospital stays) and Medicare Part B (doctor visits) and adds extra benefits such as dental, vision, and fitness. Part C plans are provided by a private company and often include Part D (prescription drug coverage).
• Medicare Supplement (or Medigap) insurance plans cover out-of-pocket costs that Original Medicare doesn’t pay, like copayments or coinsurance. Typically, they do not cover long-term care, vision, or dental.
• Prescription Drug Plans (Part D) are a coverage for prescription drugs. To find out about your drug costs and view plans available in your area, check the AARP online calculator.
• Dual Special Needs Plans (D-SNPs) are a Medicare Part C option for people enrolled in both Medicare and Medicaid.

AARP Medicare plans available through UnitedHealthcare have a variety of options. Medicare Advantage plans go beyond basic Medicare and include services like dental and fitness perks. Medigap helps with expenses that Medicare doesn’t fully cover, saving your money. Prescription Drug Plans make medications more affordable, and Dual Special Needs Plans provide extra help for those who qualify for both Medicare and Medicaid, and include benefits like transportation and grocery support.

Final Thoughts

There are numerous life and health insurance products for AARP members. They are mainly suitable for seniors aged over 50 and their family members. Long-Term Care, Vision, Dental, Life Insurance, and Medicare Eligible Plans are provided through AARP partners like New York Life, VSP, Delta, and UnitedHealthcare companies. Apparently, with such an abundance of plans, older Americans are sure to find the most appropriate AARP protection for their healthcare and life needs.

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