I applied thru aarp and then never re-upped. We all know the stated goals of aarp...after I applied, I no longer needed their BS.
United Healthcare is efficient and costs little. I think my deductible for the year (in my state) is $161.00.
IMO the only reason for AARP is so they can sell insurance. The Optum umbrella is huge and includes not only AARP, but United Healthcare, United Behavioral Health for mental health for some employer groups, various CHIP programs for Medicaid and illegals and who knows what other groups. Massive organization.
From a provider’s perspective, their on-line system for billing, processing and paying is one of the best. Their contract rates, however, are among the lowest in the industry except for CHIP contracts which are paid by states with taxpayer money.