Florida's Unitedhealthcare Aarp Supplemental Insurance: Understanding Patient Billing

AARP Medicare Supplement Insurance plans are insured by UnitedHealthcare and are available to retirees aged 65 and older who are enrolled in both Original Medicare Parts A and B. These plans are designed to help cover some of the out-of-pocket medical expenses that Original Medicare doesn't pay for, such as coinsurance, copayments, and deductibles. With a Medicare Supplement plan, individuals can choose any doctor or hospital that accepts Medicare and visit specialists without a referral. The plan also provides coverage when travelling within the US and, in some cases, internationally. AARP Medicare Supplement Insurance plans offer a range of benefits, including guaranteed coverage for life, predictable out-of-pocket costs, and the ability to combine with Medicare Part D plans for more comprehensive coverage.

AARP Medicare Supplement Insurance plans are insured by UnitedHealthcare

AARP Medicare Supplement Insurance plans are available to retirees age 65 and older who are enrolled in both Original Medicare Parts A and B. They are not available in conjunction with Medicare Advantage (Part C) plans.

AARP Medicare Supplement Insurance plans help cover some of your out-of-pocket medical expenses. They can help pay for some or all of the costs not covered by Original Medicare, such as coinsurance, copayments and deductibles.

With an AARP Medicare Supplement Insurance plan, you can:

• Choose any doctor or hospital that accepts Medicare
• Visit any specialist that accepts Medicare without a referral
• Use your coverage anywhere in the U.S. that accepts Medicare when you travel
• Keep your doctor, as long as they accept Medicare patients
• Avoid surprise out-of-pocket costs
• Take your plan with you when travelling in the U.S.
• Avoid the hassle of networks and referrals
• Get guaranteed coverage for life, as long as premiums are paid on time

AARP Medicare Supplement Insurance plans are available in all 50 states, as well as Washington, D.C., and most U.S. territories.

UnitedHealthcare has been providing coverage and building relationships for over 30 years and offers the only Medicare Supplement plans endorsed by AARP. The company has more than 30 years of experience and is America's #1 Medicare Supplement provider, serving more than 4 million insured members nationwide.

Medicare Supplement Insurance plans help cover out-of-pocket expenses

Medicare Supplement Insurance plans, also known as Medigap, help cover out-of-pocket expenses that Original Medicare (Parts A and B) doesn't pay for. Medigap policies are sold by private companies and can help cover the costs of many copayments, coinsurance, and deductibles that you would typically pay out-of-pocket with Original Medicare.

Medigap policies work with your Original Medicare coverage to minimize out-of-pocket expenses. If you have Original Medicare and a Medigap policy, Medicare will pay for its share of Medicare-approved costs that Original Medicare typically does not cover.

Medigap plans generally help cover your share of costs for services that are covered by Original Medicare. The benefits are different for each plan, and you can buy the one that meets your needs. Not all plans are offered in every state.

Medigap doesn't cover everything. Medigap plans generally don't cover long-term care, vision or dental care, or private-duty nursing.

Medigap Out-of-Pocket Maximums refer to the cap on the total amount of money a Medigap policyholder is required to pay for covered services within a given year. These limits ensure that individuals with Medigap plans won't face unlimited out-of-pocket expenses for Medicare-covered services. Not all Medigap plans have an out-of-pocket maximum, and the limits can vary among those that do. Once a policyholder reaches this maximum amount in out-of-pocket costs, the Medigap plan typically covers all additional Medicare-approved expenses for the remainder of the year.

Medigap plans with more comprehensive coverage may have higher premiums but potentially lower out-of-pocket maximums. People with frequent healthcare needs may benefit from plans with lower out-of-pocket maximums.

AARP Medicare Supplement Insurance plans are available in all 50 states

AARP Medicare Supplement Insurance plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP. UnitedHealthcare is the exclusive insurer of AARP Medicare Supplement insurance plans.

AARP Medicare Supplement plans are insured and sold by private insurance companies like UnitedHealthcare to help limit the out-of-pocket costs associated with Medicare Parts A and B. Supplement plans can help pay for some or all of the costs not covered by Original Medicare — things like coinsurance and deductibles. They are available to retirees age 65 and older who are enrolled in both Original Medicare Parts A and B.

Medicare Supplement Insurance plans, also known as Medigap, are offered by private insurers. They are made to work together with your Original Medicare coverage.

Medicare Supplement Insurance plans help cover some of your out-of-pocket expenses that Original Medicare doesn't pay. While Medicare Parts A and B (also called "Original Medicare") cover some healthcare costs, they don’t pay for everything.

Medicare Supplement plans can be complicated, but UnitedHealthcare is there to help make it clear.

AARP Medicare Supplement Insurance plans have many features that stand out. They provide coverage and build relationships for over 40 years. There are more than 4 million insured members nationwide, with 94% of members renewing their plan each year.

Medicare Supplement plans that carry the AARP name are the only plans of their kind endorsed by AARP. These plans meet the high service and quality standards set by AARP for its members.

AARP Medicare Supplement Insurance plans offer many benefits, including:

• No network restrictions
• No referrals required
• Multiple plan options
• Coverage and care that’s available throughout the U.S. Some plans offer coverage for travel outside the U.S.
• Plans are guaranteed for life as long as premiums are paid on time
• Value-added services, including discounts and more

Medicare Supplement Insurance plans are also called Medigap

Medicare Supplement Insurance plans, also known as Medigap, are extra insurance policies that can be purchased from private health insurance companies. Medigap helps to pay for out-of-pocket costs in Original Medicare (Parts A and B) that aren't covered by the original plan. These costs include copayments, coinsurance, and deductibles. It's important to note that Medigap is different from a Medicare Advantage Plan (Part C). While a Medicare Advantage Plan is an alternative way to receive Medicare coverage, Medigap is a supplement to Original Medicare coverage. You can either choose to buy Medigap or enrol in a Medicare Advantage Plan, but you cannot have both at the same time.

To be eligible to purchase a Medigap policy, you generally must be enrolled in Original Medicare, which includes Part A (Hospital Insurance) and Part B (Medical Insurance). The Medigap policy will then pay its share of covered healthcare costs, in addition to what Medicare covers. It's important to note that a Medigap policy only covers one person, so if a couple both wants Medigap coverage, they must each purchase their own policy.

There are standardized Medigap policies offered by different insurance companies, and they are named by letters, such as Plan A, Plan B, and so on. These standardized policies offer the same basic benefits regardless of the insurance company or location. The main difference between Medigap policies sold by different companies is the cost. Some states, like Massachusetts, Minnesota, and Wisconsin, have different types of Medigap policies that are standardized differently than in other states.

Medigap policies are guaranteed renewable as long as you continue to pay your premiums. However, insurance companies can only sell you a "standardized" Medigap policy, and they must follow federal and state laws designed to protect consumers. Medigap policies also have specific guidelines, such as not covering long-term care, routine vision or dental care, hearing aids, eyeglasses, or private-duty nursing. Additionally, since 2006, Medigap plans have not included prescription drug coverage. If prescription drug coverage is desired, a separate Medicare drug plan (Part D) can be added.

AARP Medicare Supplement Insurance plans are the only ones endorsed by AARP

Supplement plans can help pay for some or all of the costs not covered by Original Medicare — things like coinsurance and deductibles. They are available to retirees age 65 and older who are enrolled in both Original Medicare Parts A and B.

With a Medicare Supplement plan, you have the freedom to choose any doctor or hospital that accepts Medicare. You can visit any specialist that accepts Medicare without a referral.

AARP Medicare Supplement plans offer guaranteed coverage for life as long as premiums are paid on time. They also offer value-added services, including discounts and more.

Combining AARP Medicare Supplement plans with Medicare Part D plans, or prescription drug coverage, provides the most comprehensive coverage for retirees.

AARP Medicare Supplement plans are available in all 50 states, as well as in Washington, D.C. and most U.S. territories.

UnitedHealthcare is the exclusive insurer of AARP Medicare Supplement Insurance plans. These plans are carefully evaluated and selected to meet the high service and real quality standards set by AARP for its members.

UnitedHealthcare has been providing coverage and building relationships for more than 30 years and has over 4 million insured members nationwide.

AARP Medicare Supplement Insurance plans offer many options for plan types, including Plans A, B, C, D, F, G, K, L, M and N.

AARP Medicare Supplement Insurance plans provide predictable out-of-pocket costs with low or no out-of-pocket copay, coinsurance or deductible plan options available.

AARP Medicare Supplement Insurance plans are a great choice for individuals looking to take charge of their healthcare and enjoy hassle-free Medicare coverage.

Frequently asked questions