Paul Sanchez
AARP Medicare Supplement Insurance Plans are available in Florida and are insured by UnitedHealthcare Insurance Company. AARP endorses these plans and receives royalty fees from insurers for the use of its intellectual property. These plans are only available to AARP members, and membership costs $20 per year. AARP Medicare Supplement Insurance Plans help cover some of the out-of-pocket healthcare costs that Original Medicare doesn't pay for. These plans are also known as Medigap plans and are offered by private insurance companies.
| Characteristics | Values |
|---|---|
| Name of Insurance | AARP Medicare Supplement Insurance Plans |
| Insurer | UnitedHealthcare Insurance Company |
| Insurer Address | 185 Asylum Street, Hartford, CT 06103 |
| Insurer Address (Alternative) | UnitedHealthcare Insurance Company of America, 1600 McConnor Parkway, Floor 2, Schaumburg, IL 60173 |
| Insurer Address (Alternative) | UnitedHealthcare Insurance Company of New York, 2950 Expressway Drive South, Suite 240, Islandia, NY 11749 |
| Policy Number | GRP 79171 GPS-1 (G-36000-4) |
| AARP Membership Requirement | Yes |
| AARP Membership Cost | $20.00 a year |
| Under 65 Requirement | In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease |
| Monthly Premium | Variable |
| Medicare Part A Hospital Deductible Coverage | Yes |
| Medicare Part B Deductible Coverage | No |
| Copay | $20 copay for each in-office doctor visit |
| Coinsurance | Yes |
| Medicare Advantage Plan Requirement | No |
| Medicare Prescription Drug Plan Requirement | No |
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What You'll Learn
AARP Medicare Advantage Plans
Medicare Advantage Plans cover features and benefits in addition to those included in Original Medicare. For example, plans often include an integrated Medicare Part D prescription drug benefit. This means that, in addition to helping to pay for prescription drugs, you can combine a Part D plan with Original Medicare or a Medicare Supplement (Medigap) plan.
Health Maintenance Organization (HMO) plans have a defined network of contracted local physicians and hospitals to provide member care. Generally, members must use these care providers to receive benefits for covered services, except in emergencies. Some HMO plans do not need referrals for specialty care. Point of Service (HMO-POS) plans include all the features of HMO plans plus the ability to go outside the contracted network for certain health care services, typically at a higher cost.
You do not need to be an AARP member to enrol in a Medicare Advantage plan or Medicare Prescription Drug plan. However, you must be an AARP member to enrol in an AARP Medicare Supplement Insurance plan. If you are not a member, you can join for $20.00 a year.
To learn more about the Medicare Advantage plans offered in your area, visit UHC.com/medicare and enter your ZIP code.
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Supplemental insurance coverage for Medicare Parts A and B
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 (which includes Part A and Part B) does not cover. For instance, Medicare Part B generally covers about 80% of Part B expenses, with the patient responsible for the remaining 20%. A Medicare Supplement insurance plan could help pay this remaining 20%.
Medicare Supplement insurance plans have different monthly premiums, which are fees paid in exchange for coverage. Most Medicare Supplement plans provide coverage for the Medicare Part A hospital deductible. However, patients are typically responsible for the Medicare Part B deductible. These plans may also include an integrated Medicare Part D prescription drug benefit.
Medigap policies are standardized, and in most states, they are named by letters, like Plan G or Plan K. The benefits in each lettered plan are the same, regardless of the insurance company. The price is the only difference between policies with the same letter sold by different companies.
AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company. AARP Medicare Advantage Plans may also be available, which cover features and benefits in addition to those included in Original Medicare.
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AARP Medicare Supplement Insurance Plans
The AARP Medicare Supplement Insurance Plans are the only Medigap plans endorsed by AARP. These plans meet the high service and quality standards set by AARP for its members. The plans are available in all states except North Dakota and New York. In New York, the plans are insured by UnitedHealthcare Insurance Company of New York, and in North Dakota, they are insured by UnitedHealthcare Insurance Company of America.
The AARP Medicare Supplement Insurance Plans offer a range of benefits, including coverage for the Medicare Part A hospital deductible, which is typically the responsibility of the insured. Additionally, these plans may provide coverage for the Medicare Part B deductible. The specific benefits and costs vary depending on the plan chosen, with some plans offering higher monthly premiums but covering most out-of-pocket costs, while others have lower monthly premiums and cover fewer out-of-pocket expenses.
It is important to note that enrolment in the AARP Medicare Supplement Insurance Plans is restricted to AARP members. However, non-members can join AARP for a nominal annual fee of $20. Furthermore, in certain states, the plans may be accessible to individuals under 65 who are eligible for Medicare due to disability or End-Stage Renal Disease.
The AARP Medicare Supplement Insurance Plans provide additional benefits beyond those included in Original Medicare. For instance, some plans integrate a Medicare Part D prescription drug benefit, allowing members to combine their prescription drug coverage with their Original Medicare or Medigap plan.
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Medicare Part D prescription drug plans
Part D plans have several costs, including premiums, deductibles, and copayments. Each plan's premiums vary depending on the plan's type and where you live. In 2024, the average Part D premium was $60 a month for stand-alone Part D plans and $12 a month for Medicare Advantage plans with prescription coverage. People with high incomes pay extra. You typically pay the full cost of your medicines until you reach a plan's deductible each year. The maximum deductible is $545 in 2024, although some plans charge a lower deductible or none at all.
Part D plans must cover recommended vaccines, such as shingles and respiratory syncytial virus (RSV), for free without deductibles or copayments. Part D covers some self-injected medications, such as insulin for diabetes. Brand-name and generic drugs are included, but you may pay a larger share of the cost for brand-name drugs.
In 2025, there is a new $2,000 cap on annual out-of-pocket prescription drug expenses, which will help an estimated 3.2 million people in Medicare prescription drug plans save money on their medications. Part D enrollees who reach the cap will save an average of $1,500 in 2025, and some will save $3,000 or more. This new cap will be adjusted each year along with the other parts of the Part D benefit.
In 2024, Medicare negotiated the prices of 10 of the most commonly used and expensive prescription drugs. The lower prices will take effect in 2026 and are expected to save people enrolled in Medicare an estimated $1.5 billion in out-of-pocket costs in 2026 alone. In 2025, Medicare will select an additional 15 drugs covered under Part D to negotiate prices that will become available in 2027, and more medications will be negotiated each year after that.
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Dual Special Needs Plans (D-SNPs)
As of 2023, the majority of D-SNP enrollees (57%) were enrolled in coordination-only (CO) plans, which ensure a minimum level of coordination between Medicare and Medicaid. However, these plans are not fully integrated within a single framework. About 35% of enrollees opted for highly integrated dual eligible (HIDE) SNPs, which build upon CO plans by including coverage for long-term services, behavioural health, and supports. Only 8% of enrollees were in fully integrated dual eligible (FIDE) special needs plans (SNPs), which offer the highest level of integration by coordinating care within a single managed care organization.
D-SNPs typically do not charge a premium, and some even offer $0 premium plans for members with Extra Help (Low-Income Subsidy). However, there is limited transparency around the utilization of supplemental benefits by D-SNP enrollees. While plans offer extra benefits, it is unclear how often enrollees take advantage of them, and whether insurers provide adequate networks to access these services effectively. Additionally, D-SNPs have been found to deny prior authorization requests at a higher rate than Medicare Advantage plans overall.
In 2023, 5.2 million dual-eligible individuals were enrolled in D-SNPs. Florida was among the states with high D-SNP enrollment, with 46% of dual-eligible individuals opting for these plans. To enroll in a D-SNP, individuals can submit an online enrollment application. D-SNPs are a valuable option for those with both Medicare and Medicaid, as they provide greater benefits and improved coordination between the two programs.
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Frequently asked questions
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 (which includes Part A and Part B) doesn't pay. AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company.
AARP Medicare Supplement Insurance Plans cover features and benefits in addition to those included in Original Medicare. The plans often include an integrated Medicare Part D prescription drug benefit. Most Medicare Supplement plans provide coverage for your Medicare Part A hospital deductible.
AARP Medicare Supplement Insurance Plans are available in all states except North Dakota and New York. You must be an AARP member to enroll in an AARP Medicare Supplement Plan. If you are not a member, you can join AARP for $20.00 a year.
