Individual Health Insurance
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For most people, group health insurance is a better choice than individual health insurance. Group insurance usually costs less and offers more benefits.
However, some people can't get group health insurance because they are self-employed, work for a small company, have run out of COBRA benefits, or for some other reason. They must turn to individual health insurance plans – insurance they buy themselves.
Many insurance companies offer health insurance plans to individuals. However, if you're over 50 years old, there can be problems:
It might be harder to find a company that will sell you a health insurance policy, especially if you have a serious medical problem.
You might have to get a medical exam to prove you are insurable, meaning you don't have a serious medical problem.
Individual insurance usually costs more than group insurance.
You might get fewer benefits than with group insurance.
Compare Plans
It's important to shop around and compare health insurance policies and plans. A first step could be to decide how much you can afford to pay. Then, you can look for health insurance that will give you the best health coverage for you and your family at that price.
The answers to the following questions can help you compare both the cost and the benefits of the plans you are considering:
How much of my doctor and hospital bills will this health insurance plan pay for?
How much will I have to pay each month (premium) for this plan?
How much will I have to pay (deductible) before the plan begins to pay?
How much will I have to pay for office visits to the doctor?
Does this plan pay for preventive health care? This includes routine medical checkups and shots, such as a flu shot, to prevent disease.
Does this plan have rules for people who already have serious, chronic medical problems? Will these rules keep me from getting the care I need? If so, for how long?
What services are covered by this health insurance? Will it pay for care at a hospital emergency room or urgent care center? Does it cover routine surgery, hospital stays, doctor visits, nursing home stays, home health care, and medical equipment and supplies?
Does this plan cover visits to the eye doctor and the dentist?
Does this plan cover prescription drugs?
Does this plan pay for catastrophic medical costs, costs that are so high it would take most of my money to pay for them? Is there a limit to how much I must pay each year?
Is there a yearly or lifetime limit to how much the plan will pay for medical costs?
Individual Health Insurance Options
You have a number of options when shopping for individual health insurance:
Fee-for-Service Insurance
Managed Care Plans
Open Enrollment in Managed Care Plans
Association-Based Health Insurance
High-Risk Pools
Fee-for-Service Insurance
A fee-for-service insurance policy (also called indemnity insurance) is a traditional kind of health insurance. It pays a part of each medical service you get, such as doctor visits or hospital stays. You pay the rest of the cost. You can go to any doctor or hospital you choose. However, you usually pay a higher monthly cost for your medical care than if you were part of a managed care plan. Traditional health insurance is less common than it used to be.
Managed Care Plans
Many people get health insurance through a managed care plan, such as a health maintenance organization (HMO) or preferred provider organization (PPO.)
In managed care plans, health insurance companies contract with doctors and hospitals to provide health care to its members. These doctors and hospitals make up the plan ' s network.
In managed care plans, you may only be able to see the doctors and hospitals that are part of the plan ' s network. Some plans, like PPOs, allow you to use doctors and hospitals outside the plan network, but you usually pay more.
In HMOs, your visits to the doctor are pre-paid by the plan. You only pay a small copayment, for example, $10 to $20, each time you visit the doctor.
Open Enrollment in Managed Care Plans
Some states require managed care plans to have an "open enrollment" period each year. Open enrollment usually is a one-month period during which managed care plans must let people join, even if they have an ongoing, serious medical problem. This can be a very helpful option if you have not been able to get health insurance because of a medical problem. You can sign up for a managed care plan during an open enrollment period without having to get medical exams to prove you can be insured.
FYI: A few states require insurance companies to offer their plans to people who have not been able to get health insurance because of their health. This option can apply to more types of health insurance than just managed care plans. Check with your state insurance department to learn the rules in your state.
Association-Based Health Insurance
You might be able to get health insurance through a trade or professional association. Many professional, community, and religious organizations offer their members health insurance coverage at group rates. If you are a member of any trade or professional association, ask if it offers health insurance coverage. Find out:
How complete the coverage is
How much of your medical expenses from routine doctor visits and prescription drugs to major surgery will the insurance cover
What it will cost each month
If it covers family members
Your state insurance department can tell you what your rights are under association-based health insurance plans.
High-Risk Pools
In some states, high-risk pools might be a source of health insurance for people who have not been able to get health insurance because of a serious medical condition. High-risk pools are considered the last resort, when all other attempts at getting health insurance haven't worked out. To get health insurance through a high-risk pool:
You must have been refused health insurance coverage by at least one or two insurance companies, or
You could not find a health insurance plan with a monthly premium less than the monthly premium in the high-risk pool.
Your state insurance department can tell you if your state has a high-risk pool program.
Health Insurance Brokers
If you are having a hard time deciding which insurance plan is best for you, some people talk to a health insurance broker. An independent broker sells many different kinds of health insurance.
Other brokers sell plans from just one company, so it's best to talk to a few such brokers before choosing one. Be sure you understand how the broker is paid - whether you pay or the insurance company pays the broker a commission. That may affect the plan that the broker recommends. If you decide to use a broker, make sure the broker will work in your best interest, and remember that sometimes this costs more and not all insurance products are available through a broker.
Other Types of Policies
There are other kinds of insurance policies that should not be mistaken for comprehensive health insurance. Specific disease policies, such as "cancer policies," pay for care only for the specific disease. Hospital indemnity policies pay you a set amount of money for each day you are in the hospital.
These policies may sound good but don't really help with your health care costs. You would be better off checking out the other insurance options.
Credit: AARP.org
However, some people can't get group health insurance because they are self-employed, work for a small company, have run out of COBRA benefits, or for some other reason. They must turn to individual health insurance plans – insurance they buy themselves.
Many insurance companies offer health insurance plans to individuals. However, if you're over 50 years old, there can be problems:
It might be harder to find a company that will sell you a health insurance policy, especially if you have a serious medical problem.
You might have to get a medical exam to prove you are insurable, meaning you don't have a serious medical problem.
Individual insurance usually costs more than group insurance.
You might get fewer benefits than with group insurance.
Compare Plans
It's important to shop around and compare health insurance policies and plans. A first step could be to decide how much you can afford to pay. Then, you can look for health insurance that will give you the best health coverage for you and your family at that price.
The answers to the following questions can help you compare both the cost and the benefits of the plans you are considering:
How much of my doctor and hospital bills will this health insurance plan pay for?
How much will I have to pay each month (premium) for this plan?
How much will I have to pay (deductible) before the plan begins to pay?
How much will I have to pay for office visits to the doctor?
Does this plan pay for preventive health care? This includes routine medical checkups and shots, such as a flu shot, to prevent disease.
Does this plan have rules for people who already have serious, chronic medical problems? Will these rules keep me from getting the care I need? If so, for how long?
What services are covered by this health insurance? Will it pay for care at a hospital emergency room or urgent care center? Does it cover routine surgery, hospital stays, doctor visits, nursing home stays, home health care, and medical equipment and supplies?
Does this plan cover visits to the eye doctor and the dentist?
Does this plan cover prescription drugs?
Does this plan pay for catastrophic medical costs, costs that are so high it would take most of my money to pay for them? Is there a limit to how much I must pay each year?
Is there a yearly or lifetime limit to how much the plan will pay for medical costs?
Individual Health Insurance Options
You have a number of options when shopping for individual health insurance:
Fee-for-Service Insurance
Managed Care Plans
Open Enrollment in Managed Care Plans
Association-Based Health Insurance
High-Risk Pools
Fee-for-Service Insurance
A fee-for-service insurance policy (also called indemnity insurance) is a traditional kind of health insurance. It pays a part of each medical service you get, such as doctor visits or hospital stays. You pay the rest of the cost. You can go to any doctor or hospital you choose. However, you usually pay a higher monthly cost for your medical care than if you were part of a managed care plan. Traditional health insurance is less common than it used to be.
Managed Care Plans
Many people get health insurance through a managed care plan, such as a health maintenance organization (HMO) or preferred provider organization (PPO.)
In managed care plans, health insurance companies contract with doctors and hospitals to provide health care to its members. These doctors and hospitals make up the plan ' s network.
In managed care plans, you may only be able to see the doctors and hospitals that are part of the plan ' s network. Some plans, like PPOs, allow you to use doctors and hospitals outside the plan network, but you usually pay more.
In HMOs, your visits to the doctor are pre-paid by the plan. You only pay a small copayment, for example, $10 to $20, each time you visit the doctor.
Open Enrollment in Managed Care Plans
Some states require managed care plans to have an "open enrollment" period each year. Open enrollment usually is a one-month period during which managed care plans must let people join, even if they have an ongoing, serious medical problem. This can be a very helpful option if you have not been able to get health insurance because of a medical problem. You can sign up for a managed care plan during an open enrollment period without having to get medical exams to prove you can be insured.
FYI: A few states require insurance companies to offer their plans to people who have not been able to get health insurance because of their health. This option can apply to more types of health insurance than just managed care plans. Check with your state insurance department to learn the rules in your state.
Association-Based Health Insurance
You might be able to get health insurance through a trade or professional association. Many professional, community, and religious organizations offer their members health insurance coverage at group rates. If you are a member of any trade or professional association, ask if it offers health insurance coverage. Find out:
How complete the coverage is
How much of your medical expenses from routine doctor visits and prescription drugs to major surgery will the insurance cover
What it will cost each month
If it covers family members
Your state insurance department can tell you what your rights are under association-based health insurance plans.
High-Risk Pools
In some states, high-risk pools might be a source of health insurance for people who have not been able to get health insurance because of a serious medical condition. High-risk pools are considered the last resort, when all other attempts at getting health insurance haven't worked out. To get health insurance through a high-risk pool:
You must have been refused health insurance coverage by at least one or two insurance companies, or
You could not find a health insurance plan with a monthly premium less than the monthly premium in the high-risk pool.
Your state insurance department can tell you if your state has a high-risk pool program.
Health Insurance Brokers
If you are having a hard time deciding which insurance plan is best for you, some people talk to a health insurance broker. An independent broker sells many different kinds of health insurance.
Other brokers sell plans from just one company, so it's best to talk to a few such brokers before choosing one. Be sure you understand how the broker is paid - whether you pay or the insurance company pays the broker a commission. That may affect the plan that the broker recommends. If you decide to use a broker, make sure the broker will work in your best interest, and remember that sometimes this costs more and not all insurance products are available through a broker.
Other Types of Policies
There are other kinds of insurance policies that should not be mistaken for comprehensive health insurance. Specific disease policies, such as "cancer policies," pay for care only for the specific disease. Hospital indemnity policies pay you a set amount of money for each day you are in the hospital.
These policies may sound good but don't really help with your health care costs. You would be better off checking out the other insurance options.
Credit: AARP.org
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Dental Health for Adults: A guide to protecting your teeth and gums
Crunching into a crisp apple, flashing an appreciative smile, and even pronouncing your name all depend on good dental health. Strong, healthy teeth support everyday activities like these. But mouth diseases — and the tooth loss that may follow — can interfere with these important activities and make you feel less confident about your appearance.
The impact of oral disease can extend far beyond the mouth. Research has unveiled potential links between chronic gum infection and conditions as serious as diabetes, stroke, cancer, heart disease, and pregnancy complications. Not only might these ailments provoke oral health problems, but there's evidence that dental problems such as gum disease can contribute to bodily illness.
Fortunately, the landscape of dental health has changed dramatically over the past century. As recently as a generation ago, most people lost their teeth within their lifetime. In 2007, the majority of middle-aged people can expect to keep most of their natural teeth for the rest of their lives. And there's more good news: Children have fewer cavities than in the past.
This transformation in the oral health of Americans reflects a greater understanding of the causes and prevention of dental disease. Just after World War II, fluoride was added to drinking water, leading to a dramatic drop in tooth decay among children. A couple of decades later, researchers discovered that gum disease — as well as tooth decay — was caused by bacterial infection. Suddenly, the two major causes of tooth loss could be countered by attacking bacteria in the mouth using the basic oral hygiene techniques of brushing and flossing. In 2007, scientists are researching methods to prevent tooth decay and gum disease in hopes of making tooth loss as rare as polio and measles.
While prevention remains the key to a healthy smile, the science of dental treatment continues to advance. Thanks to evolving materials and techniques, dentists are more successful than ever before at reversing the disease process and preserving, repairing, and replacing teeth. This report will introduce you to developments like smart fillings that can help prevent cavities and methods for placing dental implants.
It also sifts through the hype surrounding certain dental products and procedures. Can chewing xylitol gum protect against tooth decay? Are silver fillings and fluoridation safe? Which toothbrush really works best? You'll find the answers to these questions below.
Credit: Harvard Health Publications
The impact of oral disease can extend far beyond the mouth. Research has unveiled potential links between chronic gum infection and conditions as serious as diabetes, stroke, cancer, heart disease, and pregnancy complications. Not only might these ailments provoke oral health problems, but there's evidence that dental problems such as gum disease can contribute to bodily illness.
Fortunately, the landscape of dental health has changed dramatically over the past century. As recently as a generation ago, most people lost their teeth within their lifetime. In 2007, the majority of middle-aged people can expect to keep most of their natural teeth for the rest of their lives. And there's more good news: Children have fewer cavities than in the past.
This transformation in the oral health of Americans reflects a greater understanding of the causes and prevention of dental disease. Just after World War II, fluoride was added to drinking water, leading to a dramatic drop in tooth decay among children. A couple of decades later, researchers discovered that gum disease — as well as tooth decay — was caused by bacterial infection. Suddenly, the two major causes of tooth loss could be countered by attacking bacteria in the mouth using the basic oral hygiene techniques of brushing and flossing. In 2007, scientists are researching methods to prevent tooth decay and gum disease in hopes of making tooth loss as rare as polio and measles.
While prevention remains the key to a healthy smile, the science of dental treatment continues to advance. Thanks to evolving materials and techniques, dentists are more successful than ever before at reversing the disease process and preserving, repairing, and replacing teeth. This report will introduce you to developments like smart fillings that can help prevent cavities and methods for placing dental implants.
It also sifts through the hype surrounding certain dental products and procedures. Can chewing xylitol gum protect against tooth decay? Are silver fillings and fluoridation safe? Which toothbrush really works best? You'll find the answers to these questions below.
Credit: Harvard Health Publications
AARP Dental Insurance
If you have never heard of AARP dental insurance then now is your chance to learn about the best dental insurance available to you today. AARP dental coverage is one that offers their clients many great advantages and benefits. This company has been in the health care business for many years and has perfected how to please their clients and get them the best coverage possible.
With AARP dental, you are able to keep the dentist that you already have! There are not many insurance policies that allow you to keep your own dentist. This is very important for many people, once you have found a good dentist nobody wants to change. This is their number one benefit.
AARP also provides you with great emergency care and saves you money from your own pocket. The ARRP premiums are guaranteed for two full years! This means that your coverage will not change at all within these two years. This is something that many people are searching for, you have found it with AARP dental coverage.
When you are looking for dental insurance, you are looking for stability, to keep your own dentist, great coverage, and benefits to suit your dental needs. AARP has all of this for you. You do not have to look any further for the perfect dental insurance for you and your family. With AARP, the benefits you receive are benefits that you need. Unlike other insurance companies which provide you with benefits that you will never use. AARP knows what you need and provides it for you with 100% satisfaction.
This dental insurance plan is easy to sign up for and even easier to get started with! Check it out today and find out all the great benefits that you have been missing with your other dental insurance plans.
Credit: David Chandler
With AARP dental, you are able to keep the dentist that you already have! There are not many insurance policies that allow you to keep your own dentist. This is very important for many people, once you have found a good dentist nobody wants to change. This is their number one benefit.
AARP also provides you with great emergency care and saves you money from your own pocket. The ARRP premiums are guaranteed for two full years! This means that your coverage will not change at all within these two years. This is something that many people are searching for, you have found it with AARP dental coverage.
When you are looking for dental insurance, you are looking for stability, to keep your own dentist, great coverage, and benefits to suit your dental needs. AARP has all of this for you. You do not have to look any further for the perfect dental insurance for you and your family. With AARP, the benefits you receive are benefits that you need. Unlike other insurance companies which provide you with benefits that you will never use. AARP knows what you need and provides it for you with 100% satisfaction.
This dental insurance plan is easy to sign up for and even easier to get started with! Check it out today and find out all the great benefits that you have been missing with your other dental insurance plans.
Credit: David Chandler
Aarp Life Insurance And Medicare Insurance
The American Association of Retired Persons (AARP) boasts a membership of over thirty five million people aged fifty years and older. The massive non-profit organization is recognized as a political advocacy powerhouse whose influence seems to grow along with the "graying" of America. AARP, however, does not limit itself exclusively to legislative lobbying for its membership demographic; it also (in conjunction with established companies) provides insurance opportunities to its members. Two of these products include AARP life insurance and AARP Medicare health insurance.
*AARP Life Insurance
For well over ten years, AARP has been offering whole and term life insurance policies to its members in association with the New York Life. The AARP life insurance program offers plans featuring premiums touted as "affordable" that are specifically designed for people age fifty and older. Coverage amounts vary, with policies being available with benefits ranging from only a few thousands of dollars to fifty thousand dollars.
AARP life insurance is available to any AARP member between the ages of fifty and eighty. Spouses of AARP members may also receive coverage, so long as they are forty-five years of age or older. AARP life insurance does not require a medical exam. According to AARP, approval is based on answers to "three simple health questions." Policies can be applied for via mail and the program touts the ease of application and approval as two of its strengths.
*AARP Medicare Insurance
AARP offers a health insurance policy designed to supplement the coverage provided by Medicare. This "Medicare Supplement Insurance" is offered in association with United HealthCare Insurance Company. Premised on the notion that Medicare generally covers slightly more than half of an individual's health care expenses, AARP's Medicare health insurance plan seeks to provide a means by which to cover costs such as co-insurance, deductibles and prescription medications.
AARP's Medicare health insurance program allows members to continue utilization of their own physicians and is promoted with a focus on its ease of use, as well as its coverage. For instance, AARP members using this supplementary insurance plans are not required to fill out claim forms and the coverage is valid across the U.S., making it available for use when traveling and in other similar circumstances. According to AARP, rates for this insurance product are not increased based on age alone. Individuals are not to be "singled out" for rate increases, either. Rate changes are applied to all members of a matching class insured under the plan and residing in the same state.
AARP is one of America's largest organizations and is one of its most politically powerful. In addition to using its membership to wield political clout, AARP has also used its massive membership as a group for insurance purposes. Teaming up with established providers like New York Life and United HealthCare, AARP offers its members insurance packages ranging from AARP life insurance to AARP Medicare supplementary health insurance.
Credit: Evan Davis
*AARP Life Insurance
For well over ten years, AARP has been offering whole and term life insurance policies to its members in association with the New York Life. The AARP life insurance program offers plans featuring premiums touted as "affordable" that are specifically designed for people age fifty and older. Coverage amounts vary, with policies being available with benefits ranging from only a few thousands of dollars to fifty thousand dollars.
AARP life insurance is available to any AARP member between the ages of fifty and eighty. Spouses of AARP members may also receive coverage, so long as they are forty-five years of age or older. AARP life insurance does not require a medical exam. According to AARP, approval is based on answers to "three simple health questions." Policies can be applied for via mail and the program touts the ease of application and approval as two of its strengths.
*AARP Medicare Insurance
AARP offers a health insurance policy designed to supplement the coverage provided by Medicare. This "Medicare Supplement Insurance" is offered in association with United HealthCare Insurance Company. Premised on the notion that Medicare generally covers slightly more than half of an individual's health care expenses, AARP's Medicare health insurance plan seeks to provide a means by which to cover costs such as co-insurance, deductibles and prescription medications.
AARP's Medicare health insurance program allows members to continue utilization of their own physicians and is promoted with a focus on its ease of use, as well as its coverage. For instance, AARP members using this supplementary insurance plans are not required to fill out claim forms and the coverage is valid across the U.S., making it available for use when traveling and in other similar circumstances. According to AARP, rates for this insurance product are not increased based on age alone. Individuals are not to be "singled out" for rate increases, either. Rate changes are applied to all members of a matching class insured under the plan and residing in the same state.
AARP is one of America's largest organizations and is one of its most politically powerful. In addition to using its membership to wield political clout, AARP has also used its massive membership as a group for insurance purposes. Teaming up with established providers like New York Life and United HealthCare, AARP offers its members insurance packages ranging from AARP life insurance to AARP Medicare supplementary health insurance.
Credit: Evan Davis
A Comprehensive Coverage Plan For Over 50's
When you get to about 50 years of age, your health insurance rates start really skyrocketing. If you are in that age group, it can be really tough to find decent health insurance at a decent price.
AARP Health Care Options is a program that makes it easier for you. AARP does not only offer health insurance; It gives you insurance, special savings options, and resources for managing your health as you get older.
What Can AARP Do For You?
First, you have to become a member of AARP. Then, all this becomes available to you.
AARP has contracts with companies that offer insurance and insurance products. You can get insurance plans from AARP, including primary health insurance plans, supplemental plans, and long term care plans.
Through AARP you can take advantage of Medicare insurance products and services. Depending on where you live, you may be able to get dental coverage as well. There are also programs within AARP that offer free eye exams and discounts on eye care products.
AARP also sells prescription drugs to members at reduced prices. You can choose to get your prescription drugs either through the mail or at your local drugstore with your AARP membership card.
It also offers a wide variety of health and lifestyle products aimed at people over the age of 50. AARP puts out a catalog that has vitamins, supplements, sleep aids, hair care products, over-the-counter drugs, and fitness goods.
If you have Medicare Part B, AARP can deliver products and supplies for your Medicare package straight to your door. If you have Medicare and suffer from respiratory problems, diabetes or other illnesses, you can take advantage of this program. AARP handles all the paperwork and hassles for you.
Medicare and most regular health insurance policies won't cover nursing care expenses. AARP does, and it offers lots of flexibility in choosing your assisted living facilities and caregivers.
AARP Dental Insurance
If you become a member of AARP, you can also apply for their dental insurance plan. They will let you use the same dentist you've been using, so you won't have to change to one of theirs. They also have special deals on dental insurance, like a two-year guarantee on fixed premiums starting from when you sign up. For more info see http://www.medicalhealthinsuranceguide.org/Health_Insurance_Companies on Health Insurance Companies.
AARP Eyewear Services
Although AARP's health insurance plan doesn't cover optical, they offer lots of great deals on eyewear and eye care products to members. You can save money on frames, contacts and other products, and you can take advantage of these savings at major department stores like Target and JC Penny's. All you need is your AARP membership card.
How To Enroll
If you're interested in enrolling in AARP, there are several options. You can do it by phone, or you can go to their website and download the enrollment forms. Then, you simply send in the forms with payment. The website's online rate finder makes it easy to figure out how much you'll be paying.
If you'd like to enroll, or find out more information, check out the AARP website at http://www.aarp.org. There you will find much more than just information about their health insurance plans. The site has all kinds of news, entertainment, health information and more.
Credit: David Faulkner
AARP Health Care Options is a program that makes it easier for you. AARP does not only offer health insurance; It gives you insurance, special savings options, and resources for managing your health as you get older.
What Can AARP Do For You?
First, you have to become a member of AARP. Then, all this becomes available to you.
AARP has contracts with companies that offer insurance and insurance products. You can get insurance plans from AARP, including primary health insurance plans, supplemental plans, and long term care plans.
Through AARP you can take advantage of Medicare insurance products and services. Depending on where you live, you may be able to get dental coverage as well. There are also programs within AARP that offer free eye exams and discounts on eye care products.
AARP also sells prescription drugs to members at reduced prices. You can choose to get your prescription drugs either through the mail or at your local drugstore with your AARP membership card.
It also offers a wide variety of health and lifestyle products aimed at people over the age of 50. AARP puts out a catalog that has vitamins, supplements, sleep aids, hair care products, over-the-counter drugs, and fitness goods.
If you have Medicare Part B, AARP can deliver products and supplies for your Medicare package straight to your door. If you have Medicare and suffer from respiratory problems, diabetes or other illnesses, you can take advantage of this program. AARP handles all the paperwork and hassles for you.
Medicare and most regular health insurance policies won't cover nursing care expenses. AARP does, and it offers lots of flexibility in choosing your assisted living facilities and caregivers.
AARP Dental Insurance
If you become a member of AARP, you can also apply for their dental insurance plan. They will let you use the same dentist you've been using, so you won't have to change to one of theirs. They also have special deals on dental insurance, like a two-year guarantee on fixed premiums starting from when you sign up. For more info see http://www.medicalhealthinsuranceguide.org/Health_Insurance_Companies on Health Insurance Companies.
AARP Eyewear Services
Although AARP's health insurance plan doesn't cover optical, they offer lots of great deals on eyewear and eye care products to members. You can save money on frames, contacts and other products, and you can take advantage of these savings at major department stores like Target and JC Penny's. All you need is your AARP membership card.
How To Enroll
If you're interested in enrolling in AARP, there are several options. You can do it by phone, or you can go to their website and download the enrollment forms. Then, you simply send in the forms with payment. The website's online rate finder makes it easy to figure out how much you'll be paying.
If you'd like to enroll, or find out more information, check out the AARP website at http://www.aarp.org. There you will find much more than just information about their health insurance plans. The site has all kinds of news, entertainment, health information and more.
Credit: David Faulkner
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