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Part D (Prescription Drug Coverage): Most Part C Advantage plans cover prescription drugs. If they don’t, you may be able to choose this coverage. Plans cover different drugs. Medically necessary drugs must be covered.

MEDICARE PART A (Hospital Insurance)

• Helps cover inpatient care in hospitals (includes critical access hospitals, inpatient rehabilitation facilities, and long-term care hospitals).
• Helps cover skilled nursing facility (not custodial or long-term care), hospice, and home health care services.

MEDICARE PART B (Medical Insurance)

• Helps cover doctor services and outpatient care.
• Helps cover some preventive services to help maintain a person’s health and to keep certain illnesses from getting worse.
• Generally pays 80% of the Medicare-approved amount for covered services.

MEDICARE PART C (Medicare Advantage Plan

• A way to get Medicare benefits through private companies approved by and under contract with Medicare.
• Includes Part A, Part B, and usually other benefits Medicare doesn’t cover. Most plans also provide prescription drug coverage.

MEDICARE PART D (Prescription Drug Coverage)

• Run by private companies approved by Medicare, which can either be Medicare Advantage Plans or separate Medicare Prescription Drug Plans
• Helps cover the cost of prescription drugs.
• Each plan can vary in cost and drugs covered.

Medicare Supplement Policies Get a quote

A Medicare Supplement Policy (MSP), sometimes referred to as “Medigap”, is a health insurance policy issued by a private insurance company and is designed to fill in some of the gaps in Medicare, gaps attributable to deductibles, co-payment requirements and benefit periods. They are not provided or administered by the federal government, but federal regulations do require the plans to meet certain requirements which eliminate questionable marketing practices and provide a degree of consumer protection. The protections assure that the private insurance companies may not discriminate in pricing or availability of coverage based on health status, claims experience, receipt of health care or medical condition.

It is important to understand that all MSP benefits are the same regardless of which insurance company coverage is placed with.

An open enrollment period is a 6-month period that guarantees the right to buy Medigap coverage once a senior first signs up for Medicare Part B. If a person is eligible for Medicare Supplement plans, coverage is offered on a guaranteed issue basis with no pre-existing conditions exclusion.

Medigap Plans Effective on of after June 1, 2010

With a Medicare Supplement policy, benefits are standardized based on plans identified with the letters A, B, C, D, F, G, K, L, M and N..  Plan A offers only the core benefits (also known as “basic”), which include:

Note:  The Medigap policy covers coinsurance only after you have paid the deductible (unless the Medigap policy also covers the deductible).

Additional plans are available with standardized benefits as follows:

Plan B – Core benefits plus Medicare Part A deductible.

Plan C – Core benefits, Medicare Part A deductible, skilled nursing facility coinsurance, Medicare Part B deductible and the foreign travel benefit.

Plan D – Core benefits, Medicare Part A deductible, skilled nursing facility coinsurance, and the foreign travel benefit.

Plan F – Core benefits, Medicare Part A deductible, skilled nursing facility coinsurance, Medicare Part B deductible, 100% of Medicare Part B excess charges, and the foreign travel benefit. Plan F offers a high-deductible plan. This means you must pay for Medicare-covered costs up to the deductible amount of $2,000 in 2010 before your Medigap plan pays anything.

Plan G – Core benefits, Medicare Part A deductible, skilled nursing facility coinsurance, Medicare Part B excess charges, and the foreign travel benefit. This plan must pay for services of activities of daily living (ADL) that Medicare doesn’t cover.

Medicare Supplements K and L are lower premium plans with higher out-of-pocket costs. The core benefits are different in these two plans as well:

Plan K - includes 50% of the Medicare Part A deductible and 50% of skilled nursing facility coinsurance. Reductions in core benefits include 50% of charges for the first 3 pints of blood, 50% of Part B coinsurance, and 50% of hospice cost-sharing and respite care expenses for Part A. Out of Pocket Limit: $4,620. After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($155 in 2010), the Medigap plan pays 100% of covered services for the rest of the calendar year. Out-of-pocket limit is the maximum amount you would pay for coinsurance and co-payments.

Plan L - includes 75% of the Medicare Part A deductible and 75% of skilled nursing facility coinsurance. Reductions in core benefits include 75% of charges for the first 3 pints of blood, 75% of Part B coinsurance, and 75% of hospice cost-sharing and respite care expenses for Part A. Out of Pocket Limit: $2,310. After you meet your out-of-pocket yearly limit and your yearly Part B deductible ($155 in 2010), the Medigap plan pays 100% of covered services for the rest of the calendar year. Out-of-pocket limit is the maximum amount you would pay for coinsurance and co-payments.

Plan M - Core benefits, 50% of the Medicare Part A deductible, skilled nursing facility coinsurance, the foreign travel benefit.

Plan N - Core benefits, 100% of the Part B coinsurance except up to $20 co-payment for office visits and up to $50 for emergency department visits, Medicare Part A deductible, skilled nursing facility coinsurance, the foreign travel benefit.

For more information, contact  www.medicare.gov, which can provide basic consumer information.

Outstanding Protection and Value

The AARP^® Auto Insurance Program from The Hartford offers AARP members exceptional coverage at great rates. Whether you’re looking for car insurance quotes, or just more information on who we are and how we can help you save, you’ve come to the right place.  AARP and The Hartford have worked together for over 25 years to provide AARP members exceptional coverage with significant savings. When AARP members get an insurance quote and buy car insurance from The Hartford, they enjoy a comprehensive package of benefits and services not found in most other auto insurance plans.  Availability of features and benefits may vary by state.

First Accident Forgiveness

We waive any premium increase associated with your first accident so long as all drivers on your policy are free of accidents and major violations for the previous five years.^†

Lifetime Renewability

No need to worry about losing your car insurance. Once you become a policyholder, you are assured continued coverage as long as you're able to drive and meet a few simple requirements.^††

Disappearing Deductible

Maintain a clean driving record, and we'll reduce your collision deductible by $150. And we'll continue to reduce the deductible by $50 each additional year you keep your good driving record – until it reaches $0.^†

RecoverCare

This auto insurance feature helps pay for the cost of home services such as cooking, cleaning, shopping, transportation and yard work if you're injured in an accident.^†††

12-Month Rate Protection

Because the AARP Auto Insurance Program from The Hartford offers a 12-month policy, your rates are locked in for a full year – not just 6 months like most other companies.

24/7 Hassle-Free Claim Service

When you have an auto insurance claim, it’s good to know that your car insurance company has the experience and know-how to make the claims process as smooth as possible.

With the AARP Auto Insurance Program from The Hartford, you have a variety of car insurance coverage options to fit your unique needs. The information in this section gives you an overview of each type of coverage offered for your auto insurance policy. For more information regarding auto insurance coverage, feel free to call us at 1-800-772-8043

§                                 Bodily Injury Protection

§                                 Property Damage Liability

§                                 Uninsured Motorist Bodily Injury

§                                 Uninsured Motorist Property Damage

§                                 Underinsured Motorists

§                                 Personal Injury Protection (No-Fault)

§                                 Medical Payments

§                                 Collision

§                                 Comprehensive

§                                 Full Glass

§                                 Towing & Labor

§                                 Rental Reimbursement

Not all coverages are available in all states.

Bodily Injury Protection

Protects you against financial loss when you are held legally responsible for an automobile accident causing injury or death to someone else. This auto insurance coverage also includes the legal costs involved in your defense for a covered suit as well as court costs and bail bond expenses.  The coverage amount is a "Split Limit," such as $100,000/$300,000. The first figure is the maximum limit provided for one injured person. The second figure is the limit provided for two or more persons in any one accident or occurrence.

Determining Your Limits

Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income. When determining how much car insurance coverage is appropriate for you, consider all the assets you want to protect.

Property Damage Liability

Covers you against financial loss if you are found liable for damage caused by your auto, to other people’s property. (e.g. light poles, fences, another vehicle, etc.)

Determining Your Limits

Liability protects you if you are at fault in an accident. If you don't carry enough liability, you may be sued for your personal assets -- your home, savings, investments, or income. When determining how much auto insurance coverage is appropriate for you, consider all the assets you want to protect.

Uninsured Motorist Bodily Injury

This auto insurance coverage pays bodily injury or death expenses for you and any passengers in your vehicle up to your policy limits if you're struck by a driver who doesn’t have insurance, or if you’re struck by a “hit-and-run” driver that you cannot identify.

Determining Your Limits

Generally, your Uninsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured – as you would for others.

Uninsured Motorist Property Damage

This car insurance coverage pays for damage to your vehicle when it is struck by an uninsured driver, a hit-and-run driver, or an insured driver whose Property Damage Liability limit is inadequate to cover the property damage losses incurred.

Determining Your Limits

Consider a limit of liability that will be sufficient to cover your vehicle and/or its contents in the event that you are in an accident with a hit-and-run driver, a driver with no auto insurance coverage, or a driver who has some coverage but not enough to cover the damage to your vehicle.

Underinsured Motorists

This car insurance coverage pays benefits for the bodily injury or death of you and any passengers in your car if you are involved in an accident caused by a driver who has some insurance, but not enough to cover the losses that result from the accident.

Determining Your Limits

Generally, your Underinsured Motorist coverage should be equal to your Bodily Injury Liability, so that you provide the same level of coverage for yourself – if you are injured -- as you would for others.

Personal Injury Protection (No-Fault)

Pays benefits for the cost of personal injuries resulting from an automobile accident. Coverage applies without regard to who was at fault in the accident. It applies only to injuries, and it does not cover damage to a car, or to any other property. Coverage is provided on a per person - per occurrence basis.

Medical Payments

This auto insurance coverage pays reasonable and necessary medical expenses directly resulting from an auto accident up to the selected limits. This may include medical care, recovery, rehabilitation and remedial care, as outlined in your policy. Coverage varies by state.

Collision

Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, for losses caused by collision. Collision means contact with a physical object, such as another vehicle or a structure.

If you plan to purchase Collision coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.  This coverage is available only if you carry Comprehensive coverage.

Determining Your Limits

Recommended for vehicles 7 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.

Comprehensive

Pays for damage to your covered vehicle (up to actual cash value), less the deductible amount, as a result of damage caused by events such as: fire, theft, glass breakage, riot, windstorm and hail.

If you plan to purchase Comprehensive auto insurance coverage, selecting a higher deductible generally helps to reduce the cost of your insurance.  Comprehensive is often required when your car is financed or leased.

Determining Your Limits

Recommended for vehicles 10 years old and newer with a deductible that is financially comfortable for you. Keep in mind you may be able to lower the cost of your coverage by choosing a higher deductible.

Full Glass

Pays the amount of a covered glass loss with no deductible. This full glass coverage is optional and can be purchased for an additional premium.

Towing & Labor

This car insurance coverage pays up to the selected limit for towing of your covered vehicle when it is inoperable, whether or not there is an accident involved. (Note: You must also select Comprehensive coverage to obtain this coverage.)

Rental Reimbursement

If you car becomes inoperable due to a covered loss and you need to rent a substitute, this coverage pays the cost of the rental car up to your policy limits.  This coverage is available only if you carry Comprehensive and Collision coverage.

Affordable Car Insurance Coverage

You may qualify for a variety of credits and discounts that make your policy even more affordable. Here are some of the ways you could save!

Availability to each of these credits or auto insurance discounts may vary by state or policy plan.

Multi-Car Discount

If you have two or more private passenger vehicles insured on your AARP Auto Insurance Program policy from The Hartford, you may be able to lower your auto insurance premium.

Defensive Driver Course Credit

If you’re the primary operator of the vehicle and have completed an approved defensive driver course, such as the AARP Driver Safety Program, you're eligible for an auto insurance discount for the next three full years. Just mail us a copy of your certificate, and we will apply the credit.  For local and online course information, call 1-866-664-5364 or visit www.aarp.org/dspandthehartford.  (The Defensive Driver discount name may vary by state. For example, in some states, such as New York, the course is called the Motor Vehicle Accident Prevention Course discount. In other states it may be called the Accident Prevention or Motor Vehicle Improvement Course discount. In Kentucky, this credit applies for five years.)

Driver Training Credit

You can receive a credit on your premium for drivers under 21 years old who successfully complete an approved course.  (In Georgia this discount applies to drivers under 25 years old.)

Good Student Driver Credit

If each full-time student under the age of 25 who operates a vehicle insured through the AARP Auto Insurance Program from The Hartford qualifies as a good student, you can receive a credit on most coverages.^†

Air Bags Discount

If your car is equipped with air bags, you are eligible for a discount.

Anti-Theft Device Discount

Anti-theft devices can be either active or passive disabling devices that protect a car from theft and save you money on your Comprehensive Coverage.