Aetna things you need to know to apply:

To qualify for an 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 a review of your health history (also known as “medical underwriting”).

Your premium payments
Your coverage will remain in effect as long as you pay the required premiums on time, and as long as you maintain AARP membership eligibility. Your coverage will end, for example, if you:

Do not pay premiums on time, or

Do not meet residency requirements, or any other eligibility requirements noted above, or

Have or obtain similar coverage (duplicate coverage) from another insurance company, or

Become ineligible for other reasons permitted by law. For more information, ask your insurance agent for the Disclosure Document.

Medical underwriting requirements
AARP Essential Premier Health Insurance plans are medically underwritten by Aetna, and you may be declined coverage depending on your health condition.

AARP Essential Premier Health Insurance plans are not guaranteed issue plans and require a review of your health history (called “medical underwriting”).
Some people may be federally eligible under the Health Insurance Portability and Accountability Act (HIPAA) for a special guaranteed issue plan under Georgia laws and regulations.
All applicants, enrolling spouses or domestic partners and dependents are subject to medical underwriting to determine eligibility and appropriate risk levels.
Aetna offers various risk levels based on the known health and 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 currently have major medical coverage through another insurer, you must agree to discontinue that coverage before or on the effective date of your AARP® Essential Premier Health Insurance Plan. Do not cancel your current insurance until you are notified you have been accepted for coverage.

Pre-existing conditions

During the first 12 months after your effective date of coverage, no coverage will be provided for treatment of a pre-existing condition unless you have prior creditable coverage. A “pre-existing condition” is any physical or mental condition you’ve been diagnosed or treated for before the date your coverage begins. “Prior creditable coverage” is a person's prior medical coverage as defined in the Health Insurance Portability and Accountability Act of 1996 (HIPAA).
You are considered to have prior creditable coverage if the difference between the prior coverage termination date and signature date on your application is NOT greater than 63 days.
Prior creditable coverage does not guarantee acceptance into the AARP Essential Premier Health Insurance Plan, insured by Aetna.
Your coverage will be medically underwritten, and you must submit a completed application including health history.
If you have prior creditable coverage within 63 days immediately before the signature date on your application, then the pre-existing conditions exclusion of the plan will be waived.

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