Things you need to know to apply
To qualify foran AARP Essential Premier plan, you must be:
- Between ages 50 and 64-3/4 (If applying as a couple, both you and your spouse ordomestic partner must be under 64-3/4.)
- Under age 19 for eligible dependent* children; between ages 19 and 25 for unmarried eligible dependent children with proof of full-time student status
- Legal residents in a state with products offered by these plans
- Legal U.S. residents for at least 6 continuous months.
Your premium payments
Your premium payments are guaranteed not to increase for 6 months from your effective date. After that, your premiums may
change. Final rates are subject to medical review, based onyour health history.
Your coverage remains in effect as long as youpay the required premiums on time, and as long as you maintain membership
eligibility. Coverage will be terminated if you become ineligible due to any of the following circumstances:
- Non-payment of premiums
- Residency requirements
- Obtaining duplicate coverage
- For other reasons permissible by law.
Medical underwriting requirements
AARP Essential Premier Health Insurance plans are not guaranteed issue plans and require
medical underwriting, a review of your health history. Some individuals may befederally eligible under the Health
Insurance Portability and Accountability Act (HIPAA)through your state insurance plan. All applicants,
enrolling spouses or domestic partners and dependents are subject to medical underwriting to determine eligibility and
appropriate level of coverage. We offer various levels of coverage based on the known health medical risk factors of each
applicant.
Levels of coverage and enrollment
After processing of your application, you may be:
Enrolled in your selected plan at the standardpremium rate (lowest rate available)
Enrolled in your selected plan at a higherrate, based on medical findings
Declined coverage, based on significantmedical risk factors.
Duplicate coverage
If you are currently covered by another carrier, you must agree to discontinue the other similar coverage before or on
the effective date of the plan.
Pre-existing conditions
During the first 12 months following your effective date of coverage, no coverage will be provided for the treatment of a
pre-existing condition unlessyou have prior creditable coverage.** A pre-existing condition is any physical or mental
condition you’ve been diagnosed or treated forprior to the effective date of health insurancecoverage
(the day your coverage begins).
* An eligible dependent is defined as an unmarried person age 0 through age 18,and through age 24(subject to state mandates)
if a full time student and is primarily dependent upon an AARP member for support and maintenance and is one of the
following:
- A natural child
- A stepchild
- A legally adopted child
- A child placed for adoption
- A child for whom legal guardianship has been awarded to the AARP member
- A relative ofthe AARP member by blood or marriage.
** The applicant enrolling forIndividual coverage is considered to have
prior creditable coverage if the lapse between the prior coverage termination date and signature date on the application is
NOTgreaterthan 63 days. Priorcreditable coverage does not guarantee acceptance into the AARP Essential Premier Health
Insurance Plan, insured by Aetna. Plans are medically underwritten and all applicants must submit a completed application.
If the applicant has prior creditable coverage within 63 days immediately before the signature date on the application,
then the pre-existing conditions exclusion ofthe plan will be waived.
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