Illinois Medicare - What is the AARP?
By Troy Truman
AARP stands for the American Association of Retired Persons. It was founded back in 1958 as a nonprofit and nonpartisan membership organization. It was designed to help people age 50 and over to improve their quality of living. With other 40 million members and offices in all 50 states, the District of Columbia, Puerto Rico and the US Virgin Islands, it is the leading membership organization for people over the age of 50 in the nation. AARP is revolutionizing the way people view and live their lives beyond middle age. Along with the other goals and endeavors of the company, AARP offers Illinois Medicare and Medigap plans insured by UnitedHealthcare to fit the many different lifestyles of seniors in the state.
At the start of every year, Medicare establishes the amount that each holder pays in the form of monthly premiums, deductibles and co-pays. Most people will not pay for any of Part A, which is the hospital coverage portion, because their employment through the years had them paying for 40 or more quarters of Medicare taxes. If you have between 30 and 39 quarters, Part A can be purchased for $254 per month. With less than 30 quarters of covered employment, it will cost you $461 per month to get Part A coverage with Illinois Medicare.
Part B is different in that everyone with AARP Illinois Medicare from UnitedHealthcare will pay the same rate from 2009 of $96.40 if they were currently enrolled through that year. For newly enrolled people, the 2010 rate will be $110.50 and even more for higher-income individuals and couples. The deductibles from Part A and Part B are up from 2009. Copayments on Part A are up as well, due to inflation and increasing costs in medical expenses.
AARP is all about educating you about all these rates and plans so you can make the most educated decision when the time comes to select an Illinois Medicare plan. If you are at that point in your life right now, begin comparing the companies you want to work with, including AARP’’s plans that are insured by UnitedHealthcare. In addition to standard Medicare coverage, you will probably also be interested in Medicare Supplement or Medigap plans. These plans are made to fill the gaps in regular Medicare by giving you more coverage and less out-of-pocket expenses to pay. For more predictable monthly premiums and less surprises when medical events occur, be sure to check out Medigap options through AARP.
Ready to get started with this new information? The best thing you can do is continue educating yourself on this subject. And there is no better time than now!
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