AARP® Essential Premier Health Insurance Plans, Insured by Aetna

AARP Essential Premier Health Insurance is specifically designed for AARP members who are:

• 50-64 years of age,

• retired, looking into early retirement,

• coming off of COBRA ,

• self-employed or,

• seeking coverage for their families.

Insured by Aetna, FORTUNE Magazine's 'most admired' health insurance company¹, these plans offer premier-level insurance benefits with a range of quality plan choices.

PPO plans, High Deductible Health Plans compatible with Health Savings Accounts, and Preventive and Hospital Care plans are offered with the following advantages:

• Preventive care coverage
  To help members stay healthy, plans cover several preventive health services including flu shots, GYN exams, mammograms, physical exams ,routine colonoscopies and an annual vision exam, with no co-pays and without meeting deductible requirements first.

• Individual and Family coverage
  Plans that offer coverage choices for prescription drugs, doctor visits, hospitalization and upfront preventive care for AARP members, spouse or domestic partners, and dependent children.

• Tax advantages of Health Savings Accounts
  High Deductible Health Plans (HDHPs) which are compatible with tax-advantaged Health Savings Accounts (HSA's), allow tax free contributions and tax free withdrawals for qualified medical expenses.

• Coverage when you travel
  Travel coverage includes a nationwide network of doctors and hospitals that accept Aetna's negotiated fees and reimbursable coverage for health care services during international travel subject to out of network levels.

• Help with health information
  Aetna's award-winning website, Aetna Navigator®, provides access to reliable health tools and resources, in addition to toll free access to registered nurses 24/7 on health-related information.

AARP Membership
AARP is a nonprofit, nonpartisan organization with a membership that helps people 50+ have independence, choice and control in ways that are beneficial and affordable to them and society as a whole. AARP membership is required to enroll in these plans.

¹ Fortune- annual Most Admired Companies list, March 17, 2008

Plan details and eligibility guidelines vary by state. Please contact an Authorized to Offer agent for further information. See Authorize to Offer agent contact information above.

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 or may be eligible for guaranteed issue, small group health plans.

AARP Essential Premier Health Insurance plans are medically underwritten by Aetna Life Insurance Company and to the extent permitted by law you may be declined coverage in accordance with your health condition. This material is for information only. If declined coverage, you may be federally eligible under the Health Insurance Portability and Accountability Act (HIPAA) or a special guaranteed issue plan under your state's laws and regulations.

AARP and its affiliates do not make individual recommendations for 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 encouraged to evaluate your needs and compare products. The AARP Essential Premier Health Insurance Plan is endorsed by AARP and Aetna pays a royalty fee to AARP for use of the AARP intellectual property. Amounts paid are used for the general purpose of AARP and its members. Neither AARP nor its affiliate is the insurer.

This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Health insurance plans contain exclusions and limitations. AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse individual agents, brokers, producers, representatives, or advisors. (4/11)