AARP Medicare Complete
My recently deceased Father-in-law had AARP United Healthcare Medicare Complete Plan 2, which is all that was available in FL. The cost was the same as Medicare Part B. He had small copays for Doc visits, copays for meds, copays for ER, copays for hospital, and an out-of-pocket max of $4900 (in network). The AARP plan was accepted everywhere. When he was hospitalized after a stroke, he got no bills from any Drs, no separate drug bills, no lab test bills, no radiology bills, just the daily deductible for 5 days. It was pretty good. When he was discharged to a Skilled care facility, the coverage wasn't as good as regular Medicare. Also, when it looked like he would need to go to a nursing home after the SNF and probably end up on Medicaid, he had to switch back to regular Medicare. He also had silver sneaker benefits (which he didn't use.) The AARP plan is more like the kind of insurance you get from your employer. Regular Medicare is a lot more complicated, but if you get the right supplement, pretty much everything is covered. Here in Florida, at least, the AARP plan, especially for hospitalizations, was very good.
