The general theme of the book "Overtreated," the New York Times' pick for best economics book of the year, is that The latest SmartMoney list of "U.S. taxpayers and Medicare patients could have saved almost $15 billion in 2007 if private health insurers had cut expenses for prescription drug coverage and negotiated bigger discounts," according to a newly released (Democratic) government report. [The decreased caloric intake and increase in non-motorized modes of transportation following Cuba's economic crisis from 1989-2000 lead to a decrease in heart disease and diabetes, The L.A. Times is reporting that AARP products are not always the best deal for senior citizens. The American Association of Retired Persons is susceptible to a profit motive; $400 million - 40%, of their annual budget - is generated from "royalties and service provider relationship management fees" gleaned from products, such as Medigap insurance, sold to its 38 million members.

There is also a reason AARP's Medigap policies -- sold to Medicare recipients to cover expenses that the federal program doesn't pick up -- aren't the cheapest, Sohn said. AARP is a national organization and wants to offer the same product to residents of every state. But providing health insurance is more costly in some states than in others. These products are regulated on a state-by-state basis, which makes operating in some places considerably more expensive than in others. Because the organization offers the same product everywhere at the same price, policyholders in low-cost states essentially subsidize those in high-cost states.

And with long-term-care insurance and term life insurance, AARP offers group plans that allow members to enroll at a reasonable price, even if they're not in the best of health, Sohn said.

The flip side: People who are in great shape can find far less costly products. They'll be required to get a physical exam to prove their good health, but it's probably worth it. AARP life insurance policies can be more than twice the cost of policies you can find elsewhere, Tignanelli said.The Association's competitive price match policy does represent a good deal for seniors in the market for electronics or consumer goods.

Though AARP's medical and financial products may cost more for some seniors, to others, they represent an otherwise unattainable deal. The only way to know for sure if you