Plan N
Copay plan
Monthly Premium starting at
AARP® Medicare Supplement Insurance Plan insured by UnitedHealthcare Insurance Company
Discover why Plan N may be a good fit
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More affordable plan
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Covers Part A deductible ($1,676 in 2025)
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You pay up to $20 copay for doctor visits and up to $50 copay for ER visits
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Comes with wellness extra services and discounts for dental, hearing, vision, and a gym membership 10
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See any doctor and visit any hospital that accepts Medicare patients
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Includes foreign travel emergency benefit
Coverage Details
Basic Costs
| Costs | What you'll pay |
|---|---|
| Monthly Premium starting at | |
| Part A Inpatient Hospital Deductible $0 | $0 |
| Annual Part B Deductible $257 | $257 |
Out-of-Pocket Maximum
This is the amount of money you pay for covered services per calendar year. |
Varies 4 |
|
Part B Excess Charges
If you have Original Medicare, and the amount a doctor or other health care provider is legally permitted to charge is higher than the Medicare-approved amount, the difference is called the excess charge. |
Not covered |
Doctor Visits
| Service | What you'll pay |
|---|---|
| Primary Care Visits Up to $20 copay | Up to $20 copay |
| Specialist Visits Up to $20 copay | Up to $20 copay |
| Referral to Specialist Required? No | No |
| See any doctor who accepts Medicare patients? Yes | Yes |
| Preventive Services $0 for Medicare covered services | $0 for Medicare covered services |
Urgent/Emergency Care
| Service | What you'll pay |
|---|---|
| Urgent Care $0 | $0 |
| Emergency Care Up to $50 copay | Up to $50 copay |
| Ground Ambulance Services $0 | $0 |
| Air Ambulance Services $0 | $0 |
| Foreign Travel Emergency 20% after $250 annual deductible with a $50,000 lifetime maximum | 20% after $250 annual deductible with a $50,000 lifetime maximum |
Hospitalization & Skilled Nursing Facility Care
| Service | What you'll pay |
|---|---|
|
Inpatient Hospital Care
7
$0 for days 1-60
$0 for days 61-90 $0 while using 60 lifetime reserve days for days 91 and later $0 for an additional 365 days, after lifetime reserve days are used 8 All costs beyond the additional 365 days |
$0 for days 1-60
$0 for days 61-90 $0 while using 60 lifetime reserve days for days 91 and later $0 for an additional 365 days, after lifetime reserve days are used 8 All costs beyond the additional 365 days |
|
Skilled Nursing Facility
7
$0 for days 1-100
All costs for days 101 and later |
$0 for days 1-100
All costs for days 101 and later |
Outpatient Care
| Service | What you'll pay |
|---|---|
| Ambulatory Surgical Center $0 | $0 |
| Outpatient Hospital Services $0 | $0 |
| Mental Health - Outpatient $0 | $0 |
Lab/X-Ray Services & Equipment
| Service | What you'll pay |
|---|---|
| Lab Services 9 $0 | $0 |
| Diagnostic Radiology Services (such as MRIs/CT scans, etc.) $0 | $0 |
| Outpatient X-Rays $0 | $0 |
| Durable Medical Equipment $0 | $0 |
Wellness Extras 10
| Wellness extra | Your discount |
|---|---|
|
Dental Discount
Discounts for dental services from in-network dentists through Dentegra.
In-network discounts generally average 30-40% 11 off of contracted rates nationally for a range of dental services including: Access to 29,000 in-network general dentists and specialists at 130,000 locations nationwide. The dental discount is not insurance. |
Discounts for dental services from in-network dentists through Dentegra.
In-network discounts generally average 30-40% 11 off of contracted rates nationally for a range of dental services including: Access to 29,000 in-network general dentists and specialists at 130,000 locations nationwide. The dental discount is not insurance. |
|
Vision Discount
A $50 discount on complete frames/lens at LensCrafters on top of the AARP member discount.
12
|
A $50 discount on complete frames/lens at LensCrafters on top of the AARP member discount.
12
|
|
Hearing Discount
Additional $100 off per name-brand prescription hearing aid on top of the already discounted program rates – meaning $200 off per pair!
Access to Relate® prescription hearing aids, UnitedHealthcare Hearing’s private-label brand, for an affordable, high-quality option with a variety of helpful features and technology. No-cost hearing exam, consultation, and expert support from UnitedHealthcare Hearing’s nationwide network of experienced hearing providers near you. |
Additional $100 off per name-brand prescription hearing aid on top of the already discounted program rates – meaning $200 off per pair!
Access to Relate® prescription hearing aids, UnitedHealthcare Hearing’s private-label brand, for an affordable, high-quality option with a variety of helpful features and technology. No-cost hearing exam, consultation, and expert support from UnitedHealthcare Hearing’s nationwide network of experienced hearing providers near you. |
|
Gym Membership
A gym membership at no additional cost to you.
|
A gym membership at no additional cost to you.
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Important Information
Already an Insured Member?
For accurate information about rates and plans if you are currently insured under an AARP Medicare Supplement Plan, please call UnitedHealthcare for information.
Need help?
Speak with a licensed insurance agent today toll free, Monday - Friday, 7 a.m. to 11 p.m., and Saturday, 9 a.m. to 5 p.m. ET
Scroll for Important Disclaimers
UnitedHealthcare pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
AARP encourages you to consider your needs when selecting products and does not make product recommendations for individuals.
Please note that each insurer has sole financial responsibility for its products.
AARP Medicare Supplement Insurance Plans
AARP endorses the AARP Medicare Supplement Plans insured by UnitedHealthcare. Insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103. Policy Form No. GRP 79171 GPS-1 (G-36000-4).
Plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
You must be an AARP member to enroll in an AARP Medicare Supplement Plan.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER SHOWN.
AARP MedicareRx (PDP)
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan’s contract renewal with Medicare. You do not need to be an AARP member to enroll in a Prescription Drug Plan. You must continue to pay your Medicare Part B premium. This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments and restrictions may apply. Benefits, premium and/or co-payments/co-insurance may change on January 1 of each year.
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