Alyssa Lane
AARP offers eight Medicare supplement (Medigap) plans to its members through UnitedHealthcare. These plans are designed to cover some of the gaps in healthcare costs that Original Medicare Part A and Part B doesn't cover, such as copays, coinsurance, and deductibles. Each plan varies in terms of coverage and cost, with rates depending on factors such as location, age, gender, and smoking status. AARP Medicare Supplement Insurance Plans have received an A+ rating from the Better Business Bureau (BBB), indicating responsiveness to customer issues and efforts to solve problems. However, it's important to consider factors like personal health needs and budget when deciding on a Medicare Supplement plan.
| Characteristics | Values |
|---|---|
| Number of plans available | 8 Medigap plans |
| Plan availability | Plans vary by state and county |
| Plan pricing | Varies by location, gender, age, and smoking status |
| Plan pricing discounts | Discounts for women, non-smokers, married people, yearly payments, electronic funds transfer, and multiple policies |
| Plan pricing premiums | Higher premiums for more coverage |
| Plan coverage | Hospital and hospice coverage, Part A and B deductibles, skilled nursing facility care, foreign travel, Part B excess charges, and foreign emergency care |
| Plan benefits | Discounts on vision and dental care, free gym membership |
| Plan requirements | Must be an AARP member |
| Plan provider | UnitedHealthcare |
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What You'll Learn
AARP Medicare Supplement Insurance Plans: costs and benefits
AARP Medicare Supplement Insurance Plans, also known as Medigap plans, are offered by private insurance companies to help cover some of the out-of-pocket costs that Original Medicare (Part A and Part B) does not pay for. These costs include deductibles, copayments, and coinsurance. AARP offers eight different Medigap plans through UnitedHealthcare, and these plans have varying costs and benefits.
The cost of a Medigap plan depends on several factors, including the insurance company, the specific plan chosen, and the location of the individual. AARP Medigap plans are available at different rates depending on the state, county, or ZIP code. Additionally, certain factors such as age, gender, and smoking status can also influence the cost of the plan.
Medigap plans are standardized, meaning that the benefits offered by each lettered plan are the same across different insurance companies. For example, AARP's Medicare Supplement Plan A offers hospital and hospice coverage, while Plan B covers the same benefits as Plan A, plus the Part A deductible. Plan C is a more comprehensive option, covering skilled nursing facility care and foreign travel, but it is only available to individuals who were eligible for Medicare before January 1, 2020.
The monthly premium for a Medigap plan is the fee paid in exchange for coverage, and this amount varies for each plan. Some plans have higher monthly premiums because they cover more out-of-pocket costs, while plans with lower premiums have lower out-of-pocket cost coverage.
AARP Medicare Supplement Insurance Plans offer additional benefits beyond the standard Medigap coverage, such as discounts on vision and dental care, as well as a free gym membership. However, it is important to note that Medigap plans do not cover prescription drugs, and a separate Medicare Part D plan is required for that coverage.
When considering an AARP Medicare Supplement Insurance Plan, it is essential to review the costs and benefits specific to your location and situation. Comparing plans from different companies with the same lettered plan can help ensure you find the best option to meet your healthcare needs and budget.
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Medigap plans: what they cover and what they don't
AARP is a nonprofit membership organization that offers eight Medigap plans through UnitedHealthcare. Medigap plans are supplemental insurance sold by private insurers to cover some of the gaps in healthcare costs that Original Medicare (Part A and Part B) doesn't cover. These include out-of-pocket expenses such as copays, coinsurance, and deductibles.
Medigap plans generally help cover your share of costs for services that are covered by Original Medicare. A monthly premium is the fee you pay to the plan in exchange for coverage. Each Medigap plan has a different monthly premium. A deductible is the amount you pay out-of-pocket for covered services before Medicare and/or your Medigap plan begins to pay. It’s a preset, fixed cost. Most Medigap plans provide coverage for your Part A hospital deductible, but you're generally responsible for your Medicare Part B deductible, which is an annual cost of $257 in 2025.
Medigap plans do not cover prescription drugs. For that, you need a separate Medicare Part D plan.
- Plan A: Pays for hospital and hospice coverage.
- Plan B: Offers the same coverage as Plan A but also covers your Part A deductible.
- Plan C: Covers the Medicare Part B deductible, skilled nursing facility care, and foreign travel. However, it does not cover Part C excess charges. This plan is only available to people who were eligible for Medicare before January 1, 2020.
- Plan F: The most comprehensive plan, covering the Part B excess charges in addition to all of the benefits of Plan C. This plan is also only available to those new to Medicare prior to 2020.
- Plan G: Offers coverage for Part B excess charges and foreign emergency care.
- Plan K: Shows how much it'll pay for approved services before you meet your out-of-pocket yearly limit and Part B deductible. After you meet them, the plan will pay 100% of your costs for approved services.
- Plan L: Similar to Plan K, but with a higher out-of-pocket limit and lower premium.
- Plan N: Pays 100% of the costs of Part B services, except for copayments for some office and emergency room visits.
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Eligibility requirements and limitations
To be eligible for an AARP Medicare Supplement Insurance plan, you must be an AARP member. Membership costs $20 per year. AARP is a nonprofit membership organization that offers eight Medigap plans through the UnitedHealthcare insurance company.
Medigap plans are supplemental insurance sold by private insurers to cover some of the gaps in healthcare costs that Original Medicare (Part A and Part B) doesn't cover. These include out-of-pocket expenses such as copays, coinsurance, and deductibles. However, Medigap plans do not cover prescription drugs; a separate Medicare Part D plan is required for that.
Medigap premiums vary depending on the insurance company, the plan, and where you live. Each insurance company sets its own prices for Medigap policies, which can affect how much you pay. The cost of your Medigap policy may also depend on whether the insurance company offers discounts, such as for women, non-smokers, or married people, or for paying yearly or using electronic funds transfer.
While AARP offers eight Medigap plans, members cannot purchase every plan in every state or county. Medicare Supplement Plan C, for example, is only available to people who were eligible for Medicare before January 1, 2020. Similarly, in some states, plans may be available to persons under age 65 who are eligible for Medicare due to disability or End-Stage Renal Disease.
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AARP membership
AARP is a nonprofit membership organization that offers Medicare Supplement Insurance Plans (also known as Medigap plans) through the UnitedHealthcare insurance company. AARP endorses these plans and gets a fee for helping market them. To be eligible to purchase an AARP Medicare plan, you must be an AARP member. Membership costs $20 per year.
Medigap plans are supplemental insurance sold by private insurers to cover some of the gaps in healthcare costs that Original Medicare (Part A and Part B) doesn't cover. These include out-of-pocket expenses like copays, coinsurance, and deductibles. AARP offers eight standardized Medigap plans, and six of those plans have cheaper rates than the national average.
Medicare Supplement Plan A mainly helps pay for hospital and hospice coverage. Plan B offers the same coverage as Plan A but also covers your Part A deductible. Plan C is a robust plan that covers the Medicare Part B deductible, skilled nursing facility care, and foreign travel, but it does not cover Part C excess charges. This plan is only available to people who were eligible for Medicare before January 1, 2020. Plan F is the most comprehensive, covering Part B excess charges and all of Plan C's benefits, but it is also only available to those who were new to Medicare before 2020. Plan G offers coverage for Part B excess charges and foreign emergency care.
The cost of your Medigap policy may depend on various factors, including your location, age, gender, and whether you smoke. It can also depend on whether the insurance company offers discounts, such as for non-smokers, paying yearly, or using electronic funds transfer.
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Customer satisfaction and reviews
AARP Medicare Supplement Insurance is offered through UnitedHealthcare, the largest seller of Medicare Supplement Insurance. AARP offers eight Medicare supplement (Medigap) plans to its members, although not all plans are available in every state or county.
AARP Medicare Supplement Insurance has received positive reviews from customers. Customers have praised the company for offering great coverage for hospital stays, visits, yearly checkups, and teeth cleanings. The company has also been praised for its app. AARP's Medicare Supplement Insurance plans have also been recognised for their competitive pricing, with NerdWallet giving them a 5 out of 5 rating for overall performance. The Better Business Bureau (BBB) gives AARP an A+ rating, indicating that the company responds to customer issues and attempts to solve problems.
However, AARP has also received some negative feedback. The company has received complaints about junk mail, poor customer service, and aggressive marketing. The largest company within the UnitedHealthcare group gets 16% more complaints for Medigap plans than expected for a company of its size. The online customer reviews on BBB are also low.
Overall, AARP Medicare Supplement Insurance is a trusted company with competitive pricing and positive customer reviews. The plans have low complaint rates compared to competitors, and the company has been recognised for offering great perks and coverage.
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Frequently asked questions
AARP 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 (Part A and Part B) doesn't cover. These include deductibles, copays, and coinsurance. AARP offers eight Medicare supplement plans to its members through UnitedHealthcare.
To get an AARP Medicare Supplement Insurance plan, you must be an AARP member. Membership costs $20 per year. You can then purchase a plan through the UnitedHealthcare website.
The cost of AARP Medicare Supplement Insurance plans varies depending on the plan chosen and your location. Plans with more coverage have higher monthly premiums, while those with less coverage have lower premiums. Other factors that may affect the cost include age, gender, and smoking status.
AARP Medicare Supplement Insurance plans cover some of the gaps in Medicare coverage, such as deductibles, copays, and coinsurance for Medicare Part A and Part B. However, they do not cover prescription drugs, for which a separate Medicare Part D plan is needed. Plans may also include extra benefits like discounts on vision and dental care and a free gym membership.
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