AARP^® Essential Premier Health Insurance Plan is the name of the plan provided for AARP members by Aetna Life Insurance Company (Aetna). In some states, individuals may qualify as a business group of one and may be eligible for guaranteed-issue, small group health plans.

To the extent permitted by law, AARP Essential Premier Health Insurance plans are medically underwritten by Aetna, and you may be declined coverage in accordance with your health condition. If declined coverage, you may be federally eligible under the Health Insurance Portability and Accountability Act (HIPAA) for a special guaranteed-issue plan under your state’s laws and regulations. Health insurance plans contain exclusions and limitations. Investment services are independently offered by the HAS Administrator.

The Federal Health Care Reform Legislation, known as The Patient Protection and Affordable Care Act, was signed into law on March 23, 2010.

Since then, Aetna has periodically updated the AARP Essential Premier Health Plans, insured by Aetna to include any necessary changes. It is important for you to know that your Plan will always comply with all of the federal health care reform legislation.

Information on costs related to joining and maintaining membership in AARP^® are available by contacting 1-866-844-0888. Premium rates for coverage under the AARP Essential Premier Health Insurance plans do not include AARP membership dues.

The terms and conditions of coverage under the AARP Essential Premier Health Insurance plans are determined by the AARP Health Insurance Plan ("Policyholder") and Aetna; the terms and conditions of coverage may be changed by agreement of the Policyholder and Aetna without member consent.

The AARP Essential Premier Health Insurance plans may omit some of the benefits required for a policy issued and delivered in Maryland; Maryland residents may purchase an individual health benefit plan that includes the mandated benefits from a carrier licensed and authorized to do business in the state. Benefits offered under the AARP Essential Premier Health Insurance plans are not regulated by the Maryland insurance commissioner.

Plan details and eligibility guidelines vary by state. Please call 1-866-844-0824 for plan information for your area.

AARP^® Essential Premier Health Insurance Plan is the name of the plan provided for AARP members by Aetna Life Insurance Company (Aetna). In some states, individuals may qualify as a business group of one and may be eligible for guaranteed-issue, small group health plans

AARP does not employ or endorse agents, producers or brokers.

AARP does not recommend health-related products, services, insurance or programs. Insurance products carrying the AARP name are intended to be competitive products and may not be the lowest priced products. You are strongly encouraged to evaluate your needs and compare products.

AARP endorses the Essential Premier Health Insurance Plan, insured by Aetna. Aetna pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers.

AARP established the AARP Insurance Plan, a trust, to hold the master group insurance policies. The AARP Essential Premier Health Insurance Plan is insured by Aetna, not by AARP or its affiliates. Please contact Aetna if you have questions about your policy, including any limitations and exclusions.

Premiums are collected from you by the Trust. These premiums are paid to the insurance company for your insurance coverage, a percentage is used to pay expenses, benefitting the insureds, and incurred by the Trust in connection with the insurance programs. At the direction of Aetna, a portion of the premium is paid as a royalty to AARP and used for the general purposes of AARP. Income earned from the investment of premiums while on deposit with the Trust is paid to AARP and used for the general purposes of AARP.

Participants are issued certificates of insurance by Aetna under the master group insurance policy. The benefits of participating in an insurance program carrying the AARP name are solely the right to receive the insurance coverage and ancillary services provided by the program.

This material is for information only. Health insurance plans contain exclusions and limitations. Providers are independent contractors and are not agents of Aetna. Provider participation may change without notice. Aetna does not provide care or guarantee access to health services. Not all health services are covered. See plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Plan features and availability may vary by location and are subject to change.

Policy forms issued in OK include: GR-29/GR-29N. Policy forms issued in ID include GR-9N 10054-OC-PH 3000 01 Limited Plans/GR-9N 10054 OC-PH-1250 01 Limited Plans/GR-9N 10054-OC-HDHP 01/GR-9N 10054-OC 01