What is the primary purpose of AARP Medicare Supplement Insurance Plans?

The primary purpose of AARP Medicare Supplement Insurance Plans is to help cover healthcare costs not paid by Original Medicare. These plans, also known as Medigap policies, are designed to fill the gaps in coverage that Original Medicare leaves, such as copayments, deductibles, and coinsurance. This supplemental coverage can significantly reduce the out-of-pocket expenses that individuals might face while managing their healthcare, making it easier for them to afford necessary medical services.

Unlike dental and vision care, which would be covered under separate plans, Medigap policies are strictly intended to complement the standard benefits of Medicare. Furthermore, while long-term care services are important for some individuals, they are typically not included in Medigap plans, which focus solely on covering gaps in immediate healthcare expenses. It's also notable that these supplemental plans do not eliminate all out-of-pocket costs, as some financial responsibility remains, depending on the specific benefits of the chosen plan and the type of care received.