What Does AARP Secondary Health Insurance Cover?

Secondary health insurance is something that many people need to buy on top of Medicare. The AARP has a lot of different policies that are available for its members. Many areas that are not covered by Medicare need to be covered by secondary insurance to prevent seniors from paying large out of pocket medical bills. A secondary policy is designed to fill in the gaps that exist in Medicare coverage. While we know that you need secondary health insurance, what exactly does it cover? Let's take a look at some things that are covered by the popular coverage.


Medication is something that is not always covered by Medicare. When you get older, medication is something that comes with the territory. If you suffer from multiple conditions, your medication bill could be quite substantial every month. Most of the time, you will need help filling in the gap that Medicare leaves in the area of your medication. A good secondary medical insurance policy will help you do just that. You can get a small co-pay on most medications and help keep money in your pocket. 

Outpatient Surgery

Medicare will cover most inpatient surgeries and take care of any hospital bills that you might get as a result. However, Medicare will not always cover outpatient surgeries. If you need an outpatient surgery done, you are pretty much on your own as far as Medicare is concerned. That is where a good secondary health care policy comes in handy.

AARP secondary health insurance policies can be designed to cover most of the costs associated with outpatient surgeries. More and more surgeries these days are done on an outpatient basis. It's nice to know that someone will help you pay for the bill when the issue comes up. Relying on Medicare will leave you out in the cold on this issue more often than not. 

Doctor Visits

Another thing besides medication that tends to add up as you get older is doctor visits. Depending on which Medicare plan you choose, all of your doctor visits may not be covered. If you frequently have to visit the doctor to check up on existing conditions, it might be to your advantage to get a secondary medical insurance policy. You can get a plan that has a low copay and does not stick you with a large doctor visit bill. 

Problems with Policies

Despite the help that it gives you in covering your medical bills, the plan is not without its downsides as well. For example, many people have bought these policies not knowing that there are payout caps associated with them. You can reach a certain limit and then be stuck with the medical bills beyond that. In addition to that, many people have purchased the policies marketed by the AARP with the belief that they included comprehensive coverage. This simply is not true as it is only meant to fill in the gaps associated with Medicare. Before you buy any secondary coverage, make sure that you know exactly what you are getting into. 


Does secondary health insurance cover copay of Medicare?

Purchasing a secondary health insurance policy is usually a good idea when you are on Medicare. Medicare has several coverage gaps that can lead to extra expenses for you when you need medical care. One of the issues that often comes up is whether you will have to pay a copay for Medicare coverage when you have a secondary insurance policy. In many cases, the secondary health insurance policy will pay for the copay of the service that is required under Medicare. If you do pay for it out of your own pocket, you will generally be reimbursed by your secondary health insurance company.

Can a non-medicare doctor bill secondary insurance?

If you are dealing with a doctor that does not work with Medicare, you may be wondering if you can bill the company through which you have your secondary insurance policy. Many people purchase secondary insurance policies that are designed to work in conjunction with Medicare coverage. These policies are also designed to fill in the gaps that are left from using Medicare. However, if Medicare is not billed first, you may be unsure whether your secondary policy will pay. Every insurance policy is different, but it would be in your best interest to file a claim. Sometimes an insurance company will pay a small percentage, and other times, a company will deny the claim.

Do you need secondary medical insurance while on Social Security disability?

If you are on Social Security disability, you may be wondering whether secondary medical insurance is necessary for you. In most cases, it would be advisable to go ahead and purchase a secondary medical insurance policy. Social Security disability is a benefit that pays you a certain amount of money from the Social Security Administration if you are permanently disabled. However, if you have extra medical expenses, the money that you receive from the Social Security Administration may not be enough to pay for these expenses. A secondary medical insurance policy will often pick up the slack.