Orlando Harmon
AARP Medicare Plans, provided by UnitedHealthcare, offer a range of options, from plans that help cover out-of-pocket costs to comprehensive plans with additional benefits. These plans are available to both members and non-members. AARP Medicare Advantage plans offer additional benefits not covered by Original Medicare, such as dental, vision, hearing, and
| Characteristics | Values |
|---|---|
| Plan Provider | UnitedHealthcare |
| Plan Types | Medicare Advantage (Part C), Medicare Supplement (Medigap), Medicare Part D prescription drug coverage |
| Additional Benefits | Dental, vision, hearing, prescription drug coverage |
| Availability | Available to members and non-members; not available in Alaska or the U.S. Virgin Islands |
| Cost | $15 for the first year with auto-renewal; $20 per year otherwise |
| Enrollment | Enrollment in a Medicare Advantage plan is not automatic; enrollment in a Medigap plan can occur during the Medigap open enrollment period, which begins the month a person turns 65 and is enrolled in Medicare Part B |
| Plan Details | Plan details and pricing are available on the UnitedHealthcare website |
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What You'll Learn
AARP Medicare Supplement Insurance Plan
The AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company, and AARP endorses these plans. It is important to note that AARP and its affiliates are not insurers, and they do not employ or endorse agents, brokers, or producers. Insurers of the plans pay royalty fees to AARP for the use of its intellectual property, and these fees are used for AARP's general purposes.
The AARP Medicare Supplement Insurance Plans are available to AARP members and can be purchased directly from UnitedHealthcare. These plans offer a range of benefits, including additional insured member services that are not insurance programs but are subject to geographical availability. Certain offerings are provided by third parties not affiliated with UnitedHealthcare Insurance Company.
When considering an AARP Medicare Supplement Insurance Plan, it is important to review the plan's benefits, coverage options, and application process. These plans may have different monthly premiums, with some paying most of the out-of-pocket costs and others covering fewer costs. It is also important to note that enrollment periods may impact your acceptance into the plan.
In summary, the AARP Medicare Supplement Insurance Plan is a Medigap plan that helps cover the gaps in Original Medicare. These plans are endorsed by AARP and insured by UnitedHealthcare, offering additional benefits to AARP members.
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Medicare Advantage (Part C)
Medicare Advantage plans are also known as MA plans and are offered by private companies that contract with Medicare. These companies are paid a fixed amount by Medicare every month and must follow the rules set by Medicare. However, each Medicare Advantage plan can have different out-of-pocket costs and rules for accessing services.
The cost of Medicare Advantage plans depends on the chosen plan and company. The projected average premium for a Medicare Advantage plan in 2025 is $17 per month, but there may be additional costs like copays and deductibles.
If you have Original Medicare and want to enroll in Medicare Advantage, you can do so during the Medicare Annual Enrollment Period (AEP) from October 15 to December 7. You can switch plans during the Medicare Advantage Open Enrollment Period (OEP) from January 1 to March 31.
It is important to note that if you have a Medicare Advantage plan, you cannot purchase a Medicare Supplement Insurance or Medigap plan. Additionally, Medicare Advantage plans can vary in the provider networks they accept, the drugs they cover, and the monthly premiums, annual deductibles, and copayments or coinsurance they charge for hospital and nursing home stays, and other services.
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Chronic Special Needs Plans (C-SNPs)
AARP offers Medicare plans in collaboration with UnitedHealthcare. These plans include Medicare Advantage (Part C) plans, which offer all the benefits of Original Medicare (Part A and Part B), with extras like dental, vision, hearing, and prescription drug coverage.
Now, Chronic Special Needs Plans (C-SNPs) are a type of Medicare Advantage plan designed for people with specific severe or disabling long-term health problems. C-SNPs are available for individuals with certain chronic conditions, such as diabetes, chronic heart failure, or cardiovascular disorders. These plans are tailored to meet the unique needs of enrollees with these conditions, including care coordination services and specialized provider choices.
C-SNPs are not offered by all companies, and their availability varies based on location. The Centers for Medicare & Medicaid Services (CMS) define special needs individuals as those "who have one or more co-morbid and medically complex chronic conditions that are substantially disabling or life-threatening; have a high risk of hospitalization or other significant adverse health outcomes; and require specialized delivery systems across domains of care."
CMS accepts applications for C-SNPs that focus on specific multi-condition groupings, such as diabetes mellitus, chronic heart failure, and cardiovascular disorders. To enrol in a C-SNP, individuals must meet the special conditions of the plan and have Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance).
In summary, C-SNPs are a type of Medicare Advantage plan offered by some companies to address the unique needs of individuals with specific severe or disabling chronic conditions. These plans provide tailored benefits, provider choices, and care coordination services to improve health outcomes and quality of life for enrollees with these conditions.
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Medicare Supplement (Medigap)
Medicare Supplement Insurance, also known as Medigap, is extra insurance that can be purchased from a private health insurance company. This insurance helps to cover out-of-pocket costs that Original Medicare (Part A and Part B) does not pay for, such as deductibles, copays, and coinsurance. Generally, you must have Original Medicare in order to buy a Medigap policy. These policies are available in all 50 states and Washington, D.C., with varying premiums and enrollment eligibility. Medigap plans are standardized, but not all standardized plans may be available in your area.
Medigap coverage typically has no network limitations and is available anywhere that accepts Medicare. Some Medigap plans even cover foreign travel emergency services. Once enrolled, your plan will renew every year as long as you continue to pay your premium.
It is important to note that if you have a Medicare Advantage plan, you cannot purchase a Medigap plan. Medicare Advantage plans, also known as Part C, cover all Medicare-covered services and include additional benefits such as dental, vision, hearing, and prescription drug coverage.
AARP offers Medicare Supplement Plans provided by UnitedHealthcare Insurance Company. These plans are subject to geographical availability and may be discontinued at any time.
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Medicare Part D prescription drug plans
AARP Medicare plans are provided by UnitedHealthcare, the nation's #1 provider of Medicare plans. Medicare Part D prescription drug plans are available from private insurance companies like UnitedHealthcare.
UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. Plans may have different coverage levels, premiums, deductibles, and copayments. Availability may depend on where you live.
Every Medicare Part D plan from UnitedHealthcare includes:
- Most Part D-covered adult vaccines, including the shingles vaccine, have a $0 copay.
- All Medicare Part D covered drugs have a $0 cost share in the Catastrophic Coverage stage.
- A 1-month supply of covered insulin prescription costs no more than $35.
You can use the AARP Medicare Question and Answer Tool to guide you through the different Medicare plans.
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Frequently asked questions
AARP is a nonprofit membership organisation that offers Medicare supplement insurance plans, also known as Medigap, through UnitedHealthcare.
AARP Medicare supplement insurance plans help cover out-of-pocket medical expenses that Original Medicare does not. This includes deductibles, coinsurance, copayments, and premiums.
AARP Medicare Advantage plans offer additional benefits not covered by Original Medicare, such as dental, vision, hearing, and
