Jane Dotson
AARP Medicare Supplement Insurance Plans are provided by UnitedHealthcare Insurance Company. These plans are designed to cover some of the out-of-pocket costs that Original Medicare (Parts A and B), does not, including prescription drugs. AARP offers Medicare Part D prescription drug plans, which are private insurance plans that cover most prescription drugs. Part D plans are available as standalone plans or bundled with Medicare Advantage plans. The cost of a Part D plan may vary depending on the number of prescription drugs needed, frequency of use, whether they are obtained from a network pharmacy, and the coverage stage. AARP Medicare Rx Preferred and AARP Medicare Rx Saver are two Part D plans offered by UnitedHealthcare.
| Characteristics | Values |
|---|---|
| Plan type | Medicare Part D prescription drug plans |
| Who is it for? | AARP members and non-members |
| What does it cover? | Generic and brand-name prescription drugs, vaccines not covered by Medicare Part B, and drugs most prescribed for Medicare beneficiaries |
| What does it not cover? | Drugs prescribed for anorexia, weight loss/gain, fertility, erectile dysfunction, cosmetic purposes, or hair growth |
| Cost | Depends on the number of prescription drugs needed, frequency, whether they are from a network pharmacy, and coverage stage; standalone Part D plans charge a monthly premium and may have an annual deductible, copays, and coinsurance |
| Cost-saving options | Using a preferred pharmacy, switching to a generic drug on a lower tier |
| Providers | UnitedHealthcare offers two plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver |
| Availability | Depends on where you live |
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![Drug coverage under national health insurance : Proceedings of the national conference, October 5-7, 1977 Editors : Milton Silverman and Mia Lydecker. 1978 [Leather Bound]](https://m.media-amazon.com/images/I/61IX47b4r9L._AC_UY218_.jpg)
What You'll Learn
Medicare Part D plans
Part D plans vary in their lists of covered drugs, and they don't cover all medications. It's important to check that your prescriptions are included in a plan's formulary (its list of approved drugs). You can do this by using the Medicare Plan Finder, which also shows your estimated total monthly drug costs for each plan. You can also use the Medicare Plan Finder to compare plans and find potential costs by entering your ZIP code, choosing a Medicare drug plan (Part D), and typing in your drugs, dosages, and the pharmacies you use.
Part D plans charge premiums, and you may have to pay the full cost of your medicines until you reach the plan's deductible each year. After you reach the deductible, you'll pay a copayment (a fixed amount) or coinsurance (a percentage of the cost). The maximum deductible in 2024 is $545, although some plans charge a lower deductible or none at all. Part D plans must cover certain recommended vaccines, such as shingles and respiratory syncytial virus (RSV), for free without deductibles or copayments.
UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. These plans may have different coverage levels, premiums, deductibles, and copayments depending on where you live.
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Prescription drug costs
AARP Medicare prescription drug plans (also known as Part D plans) help cover the costs of generic and brand-name prescription drugs. Part D plans are private insurance that covers most prescription drugs. Original Medicare does not offer drug coverage.
Standalone Part D plans charge a monthly premium and may also have an annual deductible, copays, and coinsurance. The costs of your plan may vary depending on the number of prescription drugs you need, how often you take them, whether you get them from a network pharmacy, and what coverage stage you are in.
In the Deductible stage, you pay the full cost of your prescriptions; in the Initial Coverage stage, you pay a copay or coinsurance; and in the Catastrophic Coverage stage, the plan pays the full amount for Part D-covered drugs.
You can estimate your drug costs for a specific plan by building a list of the medications you take and then comparing them to the plan's drug list (also called a formulary). Many plans offer cost savings if you use a preferred pharmacy.
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Medication lists
AARP Medicare prescription drug plans (Part D) are provided by UnitedHealthcare. These plans help cover the costs of generic and brand-name prescription drugs.
Part D plans are private insurance plans that cover most prescription drugs. Original Medicare does not offer drug coverage. Part D plans generally don't cover drugs prescribed for anorexia, weight loss or gain, fertility, erectile dysfunction, cosmetic purposes, or hair growth.
Standalone Part D plans charge a monthly premium and may also have an annual deductible, copays, and coinsurance. Your plan costs may vary depending on the number of prescription drugs you need, how often you take them, whether you get them from a network pharmacy, and what coverage stage you are in.
To estimate your drug costs for a specific plan, you can build a list of the medications you take and then use that list to estimate costs. You can use a prescription drug list search tool to view medications commonly covered by individual and family plans, as well as employer-sponsored plans.
UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. These plans may have different coverage levels, premiums, deductibles, and copayments, and their availability may depend on where you live.
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Pharmacy networks
AARP Medicare Rx Plans from UnitedHealthcare help cover the cost of generic and brand-name prescription drugs. These plans are available to AARP members and non-members.
AARP Medicare prescription drug (Part D) plans are private insurance that covers most prescription drugs. Original Medicare does not offer drug coverage. Some Part D plans, called MAPD, are bundled with Medicare Advantage plans. Others are standalone plans, called PDP, that can be added to Original Medicare, a Medicare Supplement (Medigap) insurance plan, or a Medicare Advantage plan without drug coverage.
Standalone Part D plans charge a monthly premium and may also have an annual deductible, copays, and coinsurance. For plans that have an annual deductible, the 2025 limit set by Medicare is $590. When you fill a prescription for a covered drug, you will usually need to pay a copayment (a set amount) or coinsurance (a percentage). Amounts can vary based on what tier the drug is in and what pharmacy you use. Your costs may be lower if you qualify for the Extra Help program. If your plan has one, you pay the full cost of your prescriptions in the Deductible stage; in the Initial Coverage stage, you pay a copay or coinsurance; and in the Catastrophic Coverage stage, the plan pays the full amount for Part D-covered drugs.
UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. Plans may have different coverage levels, premiums, deductibles, and copayments. Availability may depend on where you live.
AARP Medicare Rx Preferred from UHC (PDP) and AARP Medicare Rx Saver from UHC (PDP) include limited lower-cost pharmacies in rural areas. Optum Home Delivery Pharmacy is not available for the AARP Medicare Rx Preferred from UHC (PDP) plan in the following territories: Guam, American Samoa, the U.S. Virgin Islands, or the Northern Mariana Islands.
Many plans offer cost savings if you use a preferred pharmacy. AARP Medicare Rx Preferred includes more than 65,000 Preferred Retail Network pharmacies.
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Plan costs
AARP is not an insurance company, but it does offer healthcare insurance plans through UnitedHealthcare. These include Medicare Part D prescription drug coverage and Medigap.
Medicare Part D plans help cover the cost of generic and brand-name prescription drugs. They are available to AARP members and non-members.
Supplemental insurance coverage is also available for those enrolled in Medicare Parts A and B.
Medicare Part D prescription drug plans cover drugs on the plan's drug list (also called a formulary). They also cover vaccines not covered by Medicare Part B and the types of drugs most prescribed for Medicare beneficiaries. Part D plans generally do not cover drugs prescribed for anorexia, weight loss, weight gain, fertility, erectile dysfunction, cosmetic purposes, or hair growth.
The costs of AARP's Medicare supplement insurance plans vary. Plans K and L have annual limits that a person must reach before the insurer begins to pay. In 2025, Plan K's out-of-pocket limit is $7,220, and the out-of-pocket limit for Plan L is $3,610.
UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. These plans may have different coverage levels, premiums, deductibles, and copayments. Availability may depend on where you live.
The AARP Medicare Rx Preferred plan offers access to a broad pharmacy network, including preferred retail network pharmacies that offer lower costs. The Optum Home Delivery Pharmacy offers a $0 copay for a 90-day supply of Tier 1 and Tier 2 medications (typically generic drugs).
The AARP Medicare Rx Saver plan also has a pharmacy network that includes limited lower-cost pharmacies in rural areas.
AARP Medigap plans cover some of the gaps left in Original Medicare coverage, including out-of-pocket costs such as copays, coinsurance, and deductibles. The plans vary in coverage and cost, with at least one plan available in each state.
It is important to note that the costs of prescription drug plans can change. While average premiums may remain stable, some plans may experience increases. Additionally, plans can make changes to their coverage and costs, so it is essential to compare plans during open enrollment.
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Frequently asked questions
A Part D plan is private insurance that covers most prescription drugs. Original Medicare does not offer drug coverage.
Some Part D plans, called MAPD, are bundled with Medicare Advantage plans. Others are standalone plans, called PDP, that you can add to Original Medicare, a Medicare Supplement (Medigap) insurance plan, or a Medicare Advantage plan without drug coverage.
Build a list of the medications you take, then estimate your drug costs for a specific plan based on your drug list. You can also look for plans with cost savings if you use a preferred pharmacy.
Standalone Part D plans charge a monthly premium and may also have an annual deductible, copays and coinsurance. The amounts can vary based on what tier the drug is in and what pharmacy you use.
Medicare Supplement insurance plans (also known as Medigap plans) are offered by private insurance companies to help pay some of the out-of-pocket costs that Original Medicare doesn't pay. AARP Medicare Supplement Insurance Plans are the only plans of their kind endorsed by AARP.
