Aarp offers a variety of insurance products, one of which is an Indemnity Insurance product. This type of policy will cover your medical bills and lost earnings if you are hurt in an accident, become ill with a covered illness or disease, or die. It also covers the cost to replace property that is damaged due to theft or vandalism. The AARP Indemnity Insurance policies can be purchased individually or as part of our comprehensive packages for seniors. AARP has been providing quality life insurance coverage since 1958 when they were founded by retired employees from General Motors Corporation who wanted to offer affordable group benefits for retirees through their retiree organization called the American Association of Retired Persons (AARP).
This knowledge will help you understand better the details of the aarp indemnity insurance before you start filling it out.
| Question | Answer |
|---|---|
| Form Name | Aarp Indemnity Insurance |
| Form Length | 2 pages |
| Fillable? | No |
| Fillable fields | 0 |
| Avg. time to fill out | 30 sec |
| Other names | aarp group hospital plan, aarp indemnity plan, hospital indemnity plans for individuals, hospital indemnity plans |
AARP Hospital Indemnity Plans
Definitions
12hours;and(3)aroomcharge(otherthananinpatientroom andboardcharge)isincurred.Confinementinanemergency roomorinanoutpatientsurgicalunitisnotconsideredOutpatient ObservationCare.BenefitsforOutpatientObservationCarewill bebasedontheamountpayableforthefirstdayofaninpatient hospitalconfinementasdeterminedbytheScheduleofBenefits. Nomorethan2daysofHospitalStaybenefitswillbepayable duringanyoneperiodofOutpatientObservationCare.
What is Not Covered
• Stays, visits, or care which are not needed to treat a sickness |
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Confinementinaninstitutionorunitthereofwhichprimarily |
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or injury (or dental conditions, in Florida) are not covered. |
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providestreatmentforsubstanceabuse. |
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• Stays that start, or care received, within three months after |
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Staysorcareforcosmeticsurgeryperformedmainlytochange |
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aperson’sappearance. |
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condition. |
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Staysorserviceforwhichnochargewouldbemadetoyou |
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[or dental condition, in Florida] for which you received |
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intheabsenceofinsurance. |
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medical advice or treatment during the six months prior to |
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Medicalexpensesincurredpriortotheeffectivedateorin |
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the effective date.) Note: If you are replacing your current |
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conjunctionwithastaywhichbeganpriortotheeffectivedate. |
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supplementalhealthinsuranceplanwithanAARPHospital |
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Outpatientsurgicalcareprovidedinaphysician’soffice. |
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IndemnityPlan,thisexclusionwillnotapplytoyou. |
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OutpatientsurgicalcarereceivedoutsidetheUnitedStates |
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Staysthatbeginbeforetheinsuranceeffectivedate. |
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anditspossessions. |
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Illnessorinjuryduetofutureactsofwar,evenifthewaris |
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Staysorservicescaused,whollyorpartly,byintentionally |
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notdeclared. |
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•Thereisalifetimelimitof190daysofbenefitpaymentsfor
HospitalStaysduetomental,psychoneuroticorpersonality disorders.(ForConnecticutResidentsonly:Thereisalimitof 60daysofbenefitpaymentspercalendaryearforHospital Staysduetomental,psychoneuroticorpersonalitydisorders.)
Confinement is not covered if the primary purpose of the confinement is to provide any of the following types ofcare:
(a)care of the type provided in a clinic, rest home, convalescent home, home for the aged or assisted living center;
(b)skilled nursing care (except as otherwise expressly covered under the Plan); (c) intermediate care, extended care or custodial care; (d) residential care or care of the type provided in a domiciliary unit; (e) care of the type provided in a hospice; (f) care of the type provided in an ambulatory surgical center or dialysis center; (g) care consisting primarily of scheduled classes, training, education and/or recreation. Such confinement is not coveredeven when the facility or unit in which such care is provided is part of the Hospital.
OnceyoureceiveyourCertificateofInsurance,readitoverintheprivacyofyourownhomeasitdetailsthefulllimitations andprovisionsofthePlan. Ifyouarenotcompletelysatisfiedwithyourcoverage,justreturnyourCertificatetoUnitedHealthcare InsuranceCompanywithin30daysofreceivingit.Yourinsurancewillbecanceled,andUnitedHealthcareInsuranceCompany willtreattheCertificateasifithadneverbeenissued.
TheseAARPHospitalIndemnityInsurancePlanscarrytheAARPnameandUnitedHealthcarepaysaroyaltyfee toAARPforuseoftheAARPintellectualproperty.AmountspaidareusedforthegeneralpurposesofAARPand itsmembers.NeitherAARPnoritsaffiliateistheinsurer.
AARPdoesnotrecommendhealthrelatedproducts,services,insuranceorprograms.Youarestronglyencouragedtoevaluateyourneeds.
AARPanditsaffiliatearenotinsuranceagenciesorcarriersanddonotemployorendorseinsuranceagents,brokers,producers,
representativesoradvisors.
InsuredbyUnitedHealthcareInsuranceCompany,Horsham,PA(UnitedHealthcareInsuranceCompanyofNewYork,Islandia,NY forNewYorkresidents).
Thisisasolicitationofinsurance. Anagent/producermaycontactyou.
Benefitschangeatage65. Forbenefitinformationforthoseage65orolder,pleaseseetheenclosedmaterials.
Age65andoverbenefitsapplytocoveredHospitalStaysbeginning,orcoveredOutpatientsurgeryreceivedonorafterthefirstdayof
themonthinwhichyouturn65.
Thispackagedescribessupplementalhospitalindemnityinsuranceplans,butisnotacontract,policy,orinsurancecertificate.Pleaseread yourCertificateofInsurance,uponreceipt,forplanbenefits,definitions,exclusions,andlimitations.
YourcoveragecannotbecanceledwhiletheGroupPolicyremainsinforceunlessyoufailtomakeyourpaymentswhendue. Benefitsandcostsvarydependingupontheplanselected. Ratesaresubjecttochange.Anyratechangewillapplytoallmembersof thesameclassinsuredunderyourPlanwhoresideinyourstate.
IfyouarecoveredunderMedicaid,yougenerallydonotneedthisPlanandshouldnotenrollsince,insuchcase,benefitspayableunderthe
Planmaybepaidtoyourhealthcareprovider,asrequiredbylaw.
PlanRD:GH1144(inFlorida,GH1156),PlanRE:GH1145(inFlorida,GH1157),PlanRF:GH1138(inFlorida,GH1142). PlanRG:GH1146(inFlorida,GH1158),PlanRH:GH1139(inFlorida,GH1143),PlanRI:GH1147(inFlorida,GH1159).
TheAARPInsurancePlan(“Trust”)isatrustthatholdsthemastergroupinsurancepolicyissuedbyUnitedHealthcare.Participants areissuedcertificatesofinsurancebyUnitedHealthcareunderthemastergroupinsurancepolicy.Thebenefitsofparticipatinginan insuranceprogramcarryingtheAARPnamearesolelytherighttoreceivetheinsurancecoverageandancillaryservicesprovidedby theprograminwhichyouparticipate.NeithertheTrustnorAARPprovideinsuranceorguaranteethebenefitsofferedbytheinsurer. PremiumsarecollectedfromyouonbehalfofthetrusteesoftheTrust.ThesepremiumsareusedtopayexpensesincurredbytheTrust inconnectionwiththeinsuranceprogramsandtopaytheinsurancecompanyforyourinsurancecoverage.Incomeearnedfromthe investmentofpremiumswhileondepositwiththeTrustispaidtoAARPandusedforthegeneralpurposesofAARPanditsmembers.
IMPORTANTNOTICETOPERSONSONMEDICARE
THISINSURANCEDUPLICATESSOMEMEDICAREBENEFITS
ThisisnotMedicareSupplementInsurance
This insurance pays a fixed dollar amount, regardless of your expenses, for each day you meet the policy conditions. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.
ThisinsuranceduplicatesMedicarebenefitswhen:
•any expenses or services covered by the policy are also covered by Medicare
Medicaregenerallypaysformostoralloftheseexpenses.
Medicarepaysextensivebenefitsformedicallynecessaryservicesregardlessofthereasonyouneedthem.
Theseinclude:
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hospitalization |
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hospice |
• other approved items and services |
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physician services |
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outpatient prescription drugs if you are enrolled in Medicare PartD |
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BeforeYouBuyThisInsurance
✔Check the coverage in allhealth insurance policies you already have.
✔For more information about Medicare and Medicare Supplement insurance, review the GuidetoHealthInsuranceforPeople withMedicare, available from the insurance company.
✔Forhelpinunderstandingyourhealthinsurance,contactyourstateinsurancedepartmentorstatehealthinsuranceprogram[SHIP].
NAIC 1995
ImportantInformationforMinnesotaResidents:
This is a supplemental hospital indemnity plan, and does not meet the requirements of a Minnesota qualified plan.You may only enroll for this coverage if you are currently covered under a Minnesota qualified plan (the front page of the certificate or policy of a qualified plan is labeled as such) or a health maintenance plan.