aarp prescription plan

The Ultimate Guide to AARP Prescription Plans 2023

aarp prescription plan

Navigating the complex world of prescription drug coverage can be daunting, especially for seniors. That’s where AARP prescription plans come in, offering a lifeline to millions of older Americans seeking affordable and comprehensive coverage. In this comprehensive guide, we will delve into the intricacies of AARP prescription plans, discussing their features, benefits, and everything you need to know to make an informed decision.

AARP is a renowned non-profit organization dedicated to advocating for the well-being of older Americans. Among its many offerings, AARP offers a range of health insurance and prescription drug plans designed to meet the specific needs of seniors. These plans are underwritten by leading insurance providers like UnitedHealthcare, Humana, and Aetna, ensuring quality coverage and peace of mind.

So, if you are an AARP member looking for a reliable prescription drug plan, this guide is your ultimate resource. We’ll cover everything from plan types to costs and benefits, helping you understand the ins and outs of AARP prescription plans to make the best choice for your health and budget.

Types of AARP Prescription Plans

AARP offers a variety of prescription plans to cater to different needs and budgets. The two main types of plans are:

1. Medicare Part D Plans

Medicare Part D plans are standalone prescription drug plans designed to cover the cost of prescription medications for people who have Medicare Part A and Part B. AARP offers a range of Part D plans with varying coverage levels, deductibles, and premiums.

To enroll in a Part D plan, you must be enrolled in Original Medicare (Part A and Part B). Part D plans can be purchased directly from AARP or through a licensed insurance agent.

2. Medicare Advantage Plans with Prescription Drug Coverage

Medicare Advantage plans (also known as Part C plans) are all-in-one plans that combine Medicare Part A, Part B, and Part D coverage into a single plan. Most Medicare Advantage plans include prescription drug coverage, making them a convenient option for seniors who want all their health coverage under one roof.

To enroll in a Medicare Advantage plan, you must be enrolled in Original Medicare (Part A and Part B). You can enroll in a Medicare Advantage plan through AARP or through a licensed insurance agent.

Choosing the Right Plan for You

Choosing the right AARP prescription plan depends on your individual needs and circumstances. Here are some factors to consider:

1. Coverage

Make sure the plan you choose covers the medications you need. You can find out which medications are covered by a particular plan by reviewing the plan’s formulary, which is a list of covered medications.

2. Cost

Consider the cost of the plan, including the monthly premium, deductible, and copayments. Make sure the plan fits your budget and that you can afford the out-of-pocket costs.

3. Convenience

Think about how convenient the plan is for you. For example, does the plan have a network of pharmacies that you can easily access? Does the plan offer mail-order delivery of medications?

Benefits of AARP Prescription Plans

There are many benefits to enrolling in an AARP prescription plan, including:

1. Affordable Coverage

AARP prescription plans are designed to be affordable for seniors. Premiums and deductibles are typically lower than those of other plans, and AARP members may be eligible for additional discounts.

2. Comprehensive Coverage

AARP prescription plans offer comprehensive coverage for a wide range of medications. Most plans include coverage for both brand-name and generic medications.

3. Convenience

AARP prescription plans are convenient to use. You can fill your prescriptions at any pharmacy in the plan’s network, and you can also order your medications through the mail.

4. Peace of Mind

AARP prescription plans provide peace of mind knowing that you have affordable and reliable coverage for your prescription drugs. You can focus on your health without worrying about the cost of your medications.

Enrollment in AARP Prescription Plans

To enroll in an AARP prescription plan, you must be an AARP member. You can join AARP online or by calling their customer service line.

Once you are a member, you can enroll in a prescription plan by calling AARP or by visiting their website. You can also enroll through a licensed insurance agent.

The open enrollment period for Medicare Part D plans runs from October 15 to December 7 each year. During this time, you can enroll in a new plan or switch plans without penalty.


AARP prescription plans are a valuable resource for seniors who need affordable and comprehensive coverage for their prescription drugs. With a variety of plans to choose from, you can find a plan that meets your individual needs and budget. If you are an AARP member, we encourage you to explore the AARP prescription plan options available to you.

Leave a Comment