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AARP Medicare Supplement Insurance plans, also known as Medigap, are designed to cover the out-of-pocket costs that Original Medicare doesn't. These plans are insured by UnitedHealthcare, the largest seller of Medicare Supplement Insurance, and are available to AARP members across the United States, except in North Dakota and New York. AARP Medicare Supplement Insurance offers a range of Medigap plan types, including Plans A, B, C, and F, with competitive pricing and low complaint rates. The plans have been well-received, earning 5 out of 5 stars for overall performance from NerdWallet in 2025.
| Characteristics | Values |
|---|---|
| Name | AARP Medicare Supplement Insurance plans |
| Provider | UnitedHealthcare |
| Type | Medigap |
| Coverage | Out-of-pocket costs not covered by Original Medicare |
| Availability | All states/territories except ND, NY |
| Requirements | Must be an AARP member |
| Ratings | 5 out of 5 stars by NerdWallet |
| Complaints | 40% less than the Medigap industry average |
| Spending on benefits | 84.4% of premiums |
| Plan options | 8 out of 10 standard Medigap plan types |
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What You'll Learn
- AARP Medicare Supplement Insurance plans are insured by UnitedHealthcare
- AARP Medicare Supplement Insurance plans are available everywhere
- AARP Medicare Supplement Insurance plans have competitive pricing
- AARP Medicare Supplement Insurance plans have low complaint rates
- AARP Medicare Supplement Insurance plans have worthwhile discounts
AARP Medicare Supplement Insurance plans are insured by UnitedHealthcare
These plans are designed to cover the out-of-pocket costs that Original Medicare (Parts A and B) does not, such as deductibles, coinsurance, and other medical expenses. For example, Medicare Part A requires an individual to pay a certain amount out of pocket before coverage kicks in, which is expected to be $1,676 for inpatient hospital stays in 2025. Additionally, Medicare Part B has a similar deductible of $257 for outpatient services. Medigap, or Medicare Supplement Insurance, covers these deductibles and other expenses that Original Medicare does not, such as long stays in hospitals or skilled nursing facilities, medical equipment, and other services.
AARP Medicare Supplement Insurance plans are available to AARP members in all states and territories, except North Dakota and New York. In New York, plans are available through UnitedHealthcare Insurance Company of New York, and in North Dakota, they are available through UnitedHealthcare Insurance Company of America. Additionally, these plans may be available to individuals under 65 who are eligible for Medicare due to disability or End-Stage Renal Disease.
When choosing an AARP Medicare Supplement plan from UnitedHealthcare, individuals have the option to select a plan with lower out-of-pocket costs and a higher monthly premium, or a plan with higher out-of-pocket costs and a lower monthly premium. These plans offer flexibility, allowing individuals to choose a plan that best suits their needs and preferences.
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$12.88 $14.99
AARP Medicare Supplement Insurance plans are available everywhere
Medicare Supplement Insurance plans, also known as Medigap, are offered by private insurance companies to help cover the out-of-pocket costs that Original Medicare doesn't pay for. Medigap plans have no time restrictions, meaning you can buy a policy at any time after signing up for Medicare Part A and Part B.
AARP Medicare Supplement Insurance plans offer a range of options for plan types, with competitive prices and low complaint rates. These plans meet the high service and quality standards set by AARP and are endorsed by the organization.
To enroll in an AARP Medicare Supplement Plan, you must be an AARP member. Membership costs $20 per year, and plans can be purchased online. AARP Medicare Supplement Insurance plans are a popular choice, with NerdWallet giving them a 5 out of 5 rating for overall performance in 2025.
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AARP Medicare Supplement Insurance plans have competitive pricing
AARP Medicare Supplement Insurance plans, also known as Medigap plans, are offered by private insurance companies to help cover out-of-pocket costs that Original Medicare doesn't. These plans are designed to fill in the gaps in coverage that exist within Original Medicare, which can lead to high out-of-pocket medical expenses. For example, deductibles, coinsurance, and multiple deductibles can result in unexpected costs for Medicare beneficiaries.
AARP Medicare Supplement plans typically offer competitive pricing and are known for their cheap rates and attractive perks. In about half of the country, AARP offers Plan G at a lower rate than the national average, making it a more affordable option for many. Additionally, AARP provides six out of ten Medigap plans with rates lower than the national average. These plans offer varying levels of coverage, allowing individuals to choose the option that best suits their needs and budget.
The cost of AARP Medicare Supplement plans depends on various factors, including age, gender, smoking status, and location. While AARP's Plan G is competitively priced, its Plan N rates tend to be more expensive compared to other companies. It is important to consider that the rates may increase as individuals age due to the removal of the company's unique enrollment discount.
When considering AARP Medicare Supplement plans, it is advisable to explore other top providers and compare policy details and rates to ensure individuals find the best option for their health needs and financial situation. AARP Medicare Supplement plans are endorsed by AARP but issued by UnitedHealthcare, so any policy-related issues will be handled by UnitedHealthcare.
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AARP Medicare Supplement Insurance plans have low complaint rates
AARP Medicare Supplement Insurance plans, also known as Medigap, are offered by private insurance companies to help cover out-of-pocket costs that Original Medicare doesn't pay for. These plans are insured exclusively by UnitedHealthcare (UHC), the largest seller of Medicare Supplement Insurance. AARP and UnitedHealthcare work together to sell these plans, with AARP receiving royalties and marketing fees for its endorsement.
The low complaint rates of AARP Medicare Supplement Insurance plans can be attributed to their comprehensive coverage options and low premiums. These plans are designed to fill the gaps in Original Medicare, covering deductibles, coinsurance, and other out-of-pocket expenses. Additionally, AARP offers a variety of plan types, including Medigap Plan A, B, G, and K, each with different levels of coverage and pricing to suit varying needs and budgets.
While AARP Medicare Supplement Insurance plans have low complaint rates overall, it's important to note that there may still be some complaints or negative reviews. Some customers have reported issues with premium increases over time, deceptive advertising, and confusion regarding plan variations and restrictions. However, the majority of reviews highlight the plans' cheap rates, great perks, and wide availability.
Overall, AARP Medicare Supplement Insurance plans are a popular choice for seniors looking to supplement their Original Medicare coverage. The low complaint rates suggest that customers are generally satisfied with the coverage, pricing, and service provided by these plans.
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AARP Medicare Supplement Insurance plans have worthwhile discounts
AARP Medicare Supplement Insurance plans, also known as Medigap, are designed to cover the out-of-pocket costs that Original Medicare doesn't. These plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP.
Medigap plans are standardised, meaning that every plan with the same letter designation must include the same coverage. AARP offers eight out of the ten standard Medigap plan types, with multiple options for pricing and extra benefits. These plans are available everywhere, and prices are competitive.
AARP's Medicare Supplement Insurance plans have earned praise for their worthwhile discounts, low complaint rates, and variety of plan types. According to NerdWallet, AARP Medigap plans spent 84.4% of premiums on member benefits, compared to an average of 83.9% for all companies. Additionally, members file complaints 40% less often than the Medigap industry average.
The combination of features offered by UnitedHealthcare and AARP is hard to beat. However, it is important to note that Medigap options can vary by location, so it is recommended to compare quotes from a few companies or work with a licensed agent.
AARP Medicare Supplement Insurance plans provide valuable coverage for expenses not included in Original Medicare, and their competitive pricing and endorsement by AARP make them a popular choice for those seeking supplemental insurance.
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Frequently asked questions
AARP Medicare Supplement Insurance plans, also known as Medigap, cover the out-of-pocket costs that Original Medicare doesn't. These plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP.
AARP Medicare Supplement Insurance from UnitedHealthcare is a popular choice, earning 5 out of 5 stars for overall performance from NerdWallet in 2025. It is also rated as the top Medigap option for 2025 by NerdWallet, with low complaint rates and competitive pricing.
AARP Medicare Supplement Insurance offers a range of benefits, including:
- Filling in the gaps in coverage left by Medicare, such as deductibles, coinsurance, and other out-of-pocket expenses.
- The ability to use any doctor or hospital that accepts Medicare, unlike Medicare Advantage plans.
- A variety of plan types and pricing options to choose from, including plans that cover most out-of-pocket costs and plans with lower monthly premiums.
