Paul Sanchez
AARP, formerly the American Association of Retired Persons, offers Medicare supplement insurance plans through UnitedHealthcare. These plans, also known as Medigap, help people pay for out-of-pocket medical expenses that Original Medicare does not cover. AARP Medicare Supplement Plans are insured by UnitedHealthcare Insurance Company and are available to members and non-members. The cost of a Medigap plan will depend on various factors, including the state in which you live, your gender, whether you smoke, and your age.
| Characteristics | Values |
|---|---|
| Insurer | UnitedHealthcare Insurance Company |
| Insurer Address | 185 Asylum Street, Hartford, CT 06103 |
| Insurer Contact Number | (TTY 711) 1-855-342-0852 |
| Plan Names | A, B, C, D, F, G, K, L, M, N |
| Plan Availability | Available to members and non-members |
| Plan Requirements | Must be an AARP member |
| Plan Costs | Vary depending on the plan chosen |
| Plan Costs Dependence | Age, gender, smoking status, state of residence |
| Plan G Average Monthly Cost | $150 for a 65-year-old non-smoking woman |
| Plan Benefits | Discounts on eyewear and hearing aids, gym memberships, and a 24/7 nurse line |
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What You'll Learn
AARP Medicare Supplement Insurance Plans
Medicare Supplement Insurance Plans are available to retirees aged 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 Plans are available in all 50 states, Washington, D.C., and most U.S. territories, with some variations in Massachusetts, Minnesota, and Wisconsin.
The specific plan chosen will depend on individual needs and budgets. There are up to 10 different Medigap policies to choose from, each with a different monthly premium. Plans with higher monthly premiums tend to pay for most out-of-pocket costs, while plans with lower monthly premiums will cover fewer out-of-pocket costs. Plans C, F, and G offer the most supplemental coverage, while Plans K and L are cost-sharing plans with lower monthly premiums.
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Out-of-pocket costs
Medicare Part A, B, and C all have different out-of-pocket costs. For instance, Part A has a fee of $1,632 for each hospital stay, while Part C has a monthly premium of $174.70 for the Part B premium, plus any additional premium set by the insurer. The amount for Part C varies by plan and service.
Medicare Part D, the prescription drug plan, also has variable costs depending on the plan and prescription. The premium for this part averages $55.50 per month, although a small number of beneficiaries must pay a higher amount of $505 monthly if they did not pay enough Medicare taxes during their working years.
To manage these out-of-pocket expenses, individuals can consider Medicare Supplement (Medigap) plans. These plans help cover some of the costs that Original Medicare (Parts A and B) does not pay for. Each Medicare Supplement plan has a different monthly premium, and they can provide coverage for deductibles, copayments, and coinsurance. For example, Plan N covers Medicare Part B coinsurance but requires copayments for doctor and emergency room visits.
It is important to note that AARP Medicare Supplement Plans are insured by the UnitedHealthcare Insurance Company, and individuals must be AARP members to enroll in these plans. These plans have eligibility requirements, exclusions, and limitations, and individuals should carefully review the terms and conditions before making a decision.
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Monthly premiums
AARP is a nonprofit membership organization that offers Medicare supplement insurance plans through UnitedHealthcare. These plans are also known as Medigap plans.
The monthly premium for an AARP Medicare Supplement plan will also depend on where the person lives and when they became eligible for Medicare. There are up to 10 different Medigap policies available, each with a different identifying letter (A, B, C, D, F, G, K, L, M, and N). Each plan with the same letter must offer the same benefits across all states, except for Massachusetts, Minnesota, and Wisconsin.
Medigap 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 plans usually have cheap rates and come with great perks, like discounts on eyewear and hearing aids, gym memberships, and a 24/7 nurse line.
It is important to note that AARP and UnitedHealthcare are different companies, but they work together to sell Medicare Supplement plans. The coverage on AARP Medigap plans comes from UnitedHealthcare, and AARP gets a fee for helping market the plans.
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Deductibles
AARP, formerly the American Association of Retired Persons, offers Medicare Supplement Insurance Plans, also known as Medigap, through UnitedHealthcare. These plans help cover out-of-pocket medical expenses that Original Medicare does not, including deductibles, copayments, coinsurance, and premiums.
A deductible is the amount you pay out-of-pocket for covered services before your insurance plan begins to pay. It is a preset, fixed cost. For example, a $20 copay for each in-office doctor visit. Most Medicare Supplement plans provide coverage for your Part A hospital deductible. However, you are usually responsible for your Medicare Part B deductible, which is an annual cost of $257 in 2025.
Medicare Part B covers medical services such as doctor visits, outpatient care, lab tests, and medical equipment. The Part B deductible is an annual deductible, meaning you must pay a certain amount out-of-pocket each year before your insurance starts to cover the costs. This amount is set at $257 for 2025 and may change in subsequent years.
Some Medigap plans, such as Plans K and L, have annual limits that you must reach before the insurer begins to pay. In 2025, Plan K's out-of-pocket limit is $7,220, while Plan L's is $3,610. These plans have higher monthly premiums but offer more comprehensive coverage, paying up to 100% of your out-of-pocket costs for many Medicare-approved services.
It is important to note that Medigap plans are standardized, and each plan with the same letter must offer the same benefits across all states, except for Massachusetts, Minnesota, and Wisconsin. However, costs can vary by state and insurance company. Additionally, not all plans are available in all states, and eligibility requirements, exclusions, and limitations apply.
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Copayments
AARP is a nonprofit organization that offers healthcare insurance plans through UnitedHealthcare. AARP Medicare Supplement Insurance Plans are the only plans of their kind endorsed by AARP and meet the high service and quality standards set by AARP for its members.
AARP offers eight Medigap plans that cover some of the gaps left in Original Medicare coverage, including out-of-pocket costs such as copayments, coinsurance, and deductibles. The plans vary in coverage and cost, and each state has at least one AARP Medigap plan available.
Medicare Part A and Part B, also known as Original Medicare, do not cover all healthcare costs. Out-of-pocket costs can include copayments, coinsurance, deductibles, and premiums. AARP's Medigap plans can help cover these out-of-pocket expenses. However, Medigap policies do not cover all healthcare costs and typically do not include services such as long-term care, vision or dental care, private-duty nursing, hearing aids, or eyeglasses.
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Frequently asked questions
The cost of AARP medical insurance depends on the type of plan chosen, where you live, your gender, whether you smoke, and if your state allows age to be used in your rates. AARP offers a range of options, from plans that help cover out-of-pocket costs to comprehensive plans with additional benefits.
AARP offers Medicare Supplement Insurance Plans, also known as Medigap plans, which help cover out-of-pocket medical expenses that Original Medicare does not. These plans include Medicare Part D prescription drug coverage. There are up to 10 different Medigap policies, each with a different identifying letter, and costs and benefits can vary.
The right AARP medical insurance plan depends on your individual needs and budget. You can compare Medicare Supplement plans offered by UnitedHealthcare, understanding the differences in cost and coverage, to select the plan that is right for you.
You can enrol in an AARP medical insurance plan online. You must be an AARP member to enrol in an AARP Medicare Supplement Plan.
