AARP Health Insurance

AARP Rehab Coverage

AARP is a US-based interest group that’s nonprofit and works to advocate for people who retirement age. It is also one of the most powerful lobbying groups in the country, and this organization offers supplemental Medicare insurance coverage to members as well. The insurance options from AARP fall under the sub-organization “AARP Insurance Plan.”

Since ARRP’s health insurance plans are primarily Medicare supplements, much of the coverage for rehab or substance abuse services for someone with one of these plans would be through Medicare.

Does AARP Have Rehab Coverage?

If someone has AARP supplemental Medicare insurance, they do have rehab insurance. Medicare is made up of Part A and Part B. Part A refers to hospital insurance, while Part B is medical insurance, and also covers certain health care options, if the provider is Medicare-approved. Medicare Part A is responsible for covering inpatient mental health care, which can include room and meals.

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AARP Mental Health

In general, AARP supplemental insurance plans do cover mental health, and many mental health services are also covered by standard Medicare plans, to an extent.

Is AARP Mental Health Covered By Insurance?

AARP does include mental health, as does Medicare. Medicare pays the same share of the cost for outpatient mental health services that are paid for other Part B medical service. If you have supplemental insurance, such as options offered by AARP, this can then cover the remaining 20 percent that you’re required to pay through Medicare.

With that being said, some care providers don’t accept Medicare, so if a Medicare or AARP insurance member goes to a care provider who opts out of Medicare, the patient is responsible for the complete bill, and there is no reimbursement from Medicare.

AARP Behavioral Health

For anyone with Medicare, there is the option to visit behavioral health providers and facilities, and if they participate in Medicare, the program will cover 80% of the costs. As with mental health, supplemental insurance such as what’s offered by AARP will cover the remainder of costs in some cases. An option like the AARP MedicareComplete plan includes a yearly out-of-pocket maximum, set co-pays for services, and preventative services that can include mental and behavioral health.

Is AARP Behavioral Health Covered by Insurance?

AAPR supplemental Medicare insurance can be used to cover the costs related to behavioral health. Medicare Part B can cover outpatient behavioral health services, while Part A can cover inpatient services. There are certain deductibles for Medicare Part A, which for example was $1,288 in 2016, and there was no coinsurance obligation for members for the first 60 days.

Part B covers mental health services outside of the hospital which can include annual depression screening, psychiatric evaluation, diagnostic tests ordered by providers, and partial hospitalization. Also covered by Part B or supplemental plans include family counseling and individual and group psychotherapy by licensed professionals.

What To Expect From AARP for Rehab

Since AARP health care plans are offered as supplements to Medicare, before planning inpatient or outpatient rehab, members should first ensure that Medicare approves the facility they’re planning to go to.

Then, it’s important to determine how much of the cost of the service will be covered by Medicare (which is usually 80%), and then how the 20% that must be paid by the patient will be covered, including whether or not an AARP supplemental insurance plan will cover that. Usually, with Medicare, services need to be approved ahead of time as well.