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Medicare Advantage plans 9 plans

These plans include all the same benefits of Original Medicare, plus many include additional coverage for dental, vision and hearing and an over-the-counter (OTC) credit. Most plans also include prescription drug coverage.

  • $0 or low monthly premiums

  • Credit for OTC products

  • Dental benefits

  • Vision benefits

Medicare Supplement insurance plans 15 plans

Also called Medigap, these plans help you pay for some of the out-of-pocket health care costs that Original Medicare doesn't pay for.

  • More comprehensive coverage for a higher premium

  • See any doctor who accepts Medicare patients

  • No referrals and no networks

  • More predictable out-of-pocket costs

Medicare Advantage Special Needs plans 2 plans

Special Needs plans are Medicare Advantage plans that help meet the needs of people who have specific severe and chronic diseases, certain health care needs, or who also have Medicaid coverage. These include Dual Special Needs plans, Chronic Special Needs plans and Institutional Special Needs plans. 

  • $0 or low monthly premiums

  • Credit for OTC, healthy food & utilities

  • Dental benefits

  • Routine transportation

Medicare prescription drug plans 2 plans

These plans help pay for prescription drugs and can be used with Original Medicare or Medicare Supplement plans.

  • Higher premiums for more extensive drug coverage

  • Low deductibles

  • Broad pharmacy network

  • $0 copay for most vaccines

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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 Insurance Company, 185 Asylum Street, Hartford, CT 06103 (available in all states/territories except ND, NY) or UnitedHealthcare Insurance Company of America, 1600 McConnor Parkway, Floor 2, Schaumburg, IL 60173 (available in AR, AZ, IL, IN, KS, MS, NC, ND, NJ, OH, OK, PA, SC, TN, TX). Each insurer has sole financial responsibility for its products. Policy Form No. GRP 79171 GPS-1 (G-36000-4).

Please note: You must be an AARP member to enroll in an AARP Medicare Supplement Insurance Plan. If you are not a member, you can join AARP for just $20.00 a year.

In some states, 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.

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 ABOVE.

Medicare Advantage plans and Medicare Prescription Drug plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and 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 Medicare Advantage plan or Medicare Prescription Drug plan.

This information is not a complete description of benefits. Contact the plan for more information.

WB28060S2 (05-25)
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Medicare Advantage plans available for 2026

Plans starting in November or December 2026

Plans starting in January 2026 or later.

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Extra Help

Extra Help is a Medicare program
with benefits like:
  • •Lower monthly plan premium
  • •Lower prescription copays
  • •$0 drug deductibles
Learn More

AARP Medicare Advantage Essentials from UHC NJ-1 (HMO-POS)

Monthly premium
New Premium
$0
Original Premium
$0
Out-of-pocket maximum
$6,700
  • Prescription drug coverage
  • $300 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
  • $0 PCP and $40 specialist visits
View plan details

AARP Medicare Advantage Extras from UHC NJ-7 (HMO-POS)

Monthly premium
New Premium
$0
Original Premium
$0
Out-of-pocket maximum
$6,700
  • Prescription drug coverage
  • $2,500 for covered dental services
  • $45 credit a quarter for OTC products
  • $300 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
View plan details

AARP Medicare Advantage from UHC NJ-0005 (PPO)

Monthly premium
New Premium
$72
Original Premium
$72
Out-of-pocket maximum
$7,550
  • Prescription drug coverage
  • $1,500 for covered dental services
  • $45 credit a quarter for OTC products
  • $150 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
View plan details

UHC Dual Complete NJ-Y001 (HMO D-SNP)

Monthly premium
New Premium
$0
Original Premium
$0
Out-of-pocket maximum
$0
  • Prescription drug coverage
  • $246 credit for OTC,
  • Gym membership with premium locations
  • $0 copay for primary care and more
  • $0 copay for covered prescriptions
  • Large provider network access
View plan details

AARP Medicare Advantage Patriot No Rx NJ-MA2 (PPO)

Monthly premium
New Premium
$0
Original Premium
$0
Out-of-pocket maximum
$6,700
  • $50 credit a quarter for OTC products
  • $200 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
  • $0 copay for primary care visits
No prescription drug coverage
Best for people who don't need drug coverage
View plan details

AARP Medicare Advantage from UHC NJ-6 (PPO)

Monthly premium
New Premium
$0
Original Premium
$0
Out-of-pocket maximum
$8,900
  • Prescription drug coverage
  • $300 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
  • $0 copay for primary care visits
  • $0 copay for Tier 1 prescriptions
View plan details

AARP Medicare Advantage from UHC NJ-0004 (PPO)

Monthly premium
New Premium
$45
Original Premium
$45
Out-of-pocket maximum
$7,900
  • Prescription drug coverage
  • $25 credit a quarter for OTC products
  • $150 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
View plan details

AARP Medicare Advantage from UHC NJ-0003 (HMO-POS)

Monthly premium
New Premium
$95
Original Premium
$95
Out-of-pocket maximum
$6,500
  • Prescription drug coverage
  • $300 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
  • $0 PCP and $25 specialist visits
View plan details

AARP Medicare Advantage from UHC NJ-0002 (HMO-POS)

Monthly premium
New Premium
$62
Original Premium
$62
Out-of-pocket maximum
$6,700
  • Prescription drug coverage
  • $300 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
  • $0 PCP and $30 specialist visits
View plan details

AARP Medicare Advantage Patriot No Rx NJ-MA01 (HMO-POS)

Monthly premium
New Premium
$0
Original Premium
$0
Out-of-pocket maximum
$6,700
  • $2,000 for covered dental services
  • $60 credit a quarter for OTC products
  • $250 eyewear allowance and eye exam
  • Copays as low as $199 for hearing aids
  • Gym membership with premium locations
No prescription drug coverage
Best for people who don't need drug coverage
View plan details

UHC Nursing Home Plan EX-F003 (PPO I-SNP)

Monthly premium
New Premium
$42.40
Original Premium
$42.40
Out-of-pocket maximum
$9,250
  • Prescription drug coverage
  • $230 credit a quarter for OTC products
  • $300 eyewear allowance and eye exam
  • $2,200 allowance for hearing aids
  • 36 trips for doctor and pharmacy visits
  • 8 foot care visits
View plan details

Call to enroll UHC Nursing Home Plan EX-F003 (PPO I-SNP)

To enroll in this plan, call a UnitedHealthcare sales agent at 1-877-840-0872 / TTY 711 , 7 a.m. to 7 p.m. CT, 7 days a week.

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Disclaimer information
 

Enrollment Disclaimer Information:

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies. For Medicare Advantage and/or Prescription Drug Plans: A Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. For Dual Special Needs Plans: A Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan's contract renewal with Medicare.

 

AARP-related Disclaimer:

UnitedHealthcare Insurance Company 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. You do not need to be an AARP member to enroll in a Medicare Advantage or Prescription Drug Plan. AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals. AARP does not employ or endorse agents, producers or brokers.

 

Extra Help: 

If you are receiving Extra Help from Medicare, your copays may be lower or you may have no copays. 

 

Featured Benefits:

- Benefits, features and/or devices vary by plan/area. Limitations, exclusions and/or network restrictions may apply.

 

- Optum HouseCalls may not be available in all areas.

 

- OTC, food, and/or utility benefits have expiration timeframes. Review your Evidence of Coverage (EOC) for more information. The healthy food and utilities benefit is a special supplemental benefit only available to chronically ill enrolles with a qualifying condition, such as diabetes, cardiovascular disorders, chronic heart failure, chronic high blood pressure and/or chronic high cholesterol, and who also meet all applicable plan coverage criteria. There may be other qualified chronic conditions not listed.

 

- The Giveback benefit is a reduction in your Medicare Part B premium.

 

- A 50% coinsurance applies to covered dental comprehensive services. If your plan offers out-of-network dental coverage and you see an out-of-network dentist, you might be billed more. Network size varies by local market.

 

- Reward offerings may vary by plan. Reward program Terms of Service apply.

 

- If your plan offers out-of-network dental coverage and you see an out-of-network dentist, you might be billed more. Network size varies by local market.

 

- Routine transportation not for use in emergencies. A trip is one-way and roundtrip is two trips.

 

- Annual routine eye exam and an allowance for contacts or one pair of frames, with standard (single, bi-focal, tri-focal or standard progressive) lenses covered in full every one or two years. Review your Evidence of Coverage (EOC) for more information.

 

- CareFlex benefit credits can only be used by members of AARP Medicare Advantage CareFlex plans for cost-shares for certain Medicare Parts A and B covered items and services. CareFlex credits are loaded on a Visa debit card. Unused credits will rollover each quarter and expire Dec. 31. Credits not redeemable for cash.

 

- The fitness benefit and gym network varies by plan/area and participating locations may change. The fitness benefit includes a standard fitness membership at participating locations. Not all plans offer access to premium locations. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine.

 

- The plan only covers hearing aids from a UnitedHealthcare Hearing network provider. Other hearing exam providers are available in the UnitedHealthcare network.

 

Out-of-network:

Out-of-network/non-contracted providers are under no obligation to treat members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services. 

 

State-level Medicaid, D-SNP Disclaimer:

D-SNP and C-SNP: The values shown in-network represent a range based upon the amount of the Medicare Parts A and B plan cost sharing covered by the state. Depending on your Medicaid eligibility, your Medicaid program may have cost sharing. For complete information, and for costs for those without Medicare Parts A and B plan cost sharing covered by the state, and applicable Medicaid cost sharing, please refer to your Summary of Benefits or Evidence of Coverage. Limitations, exclusions, and restrictions may apply.

 

Other Languages:

This information is available for free in other languages. Please contact Customer Service for additional information. 

 

Esta información está disponible sin costo en otros idiomas. Para obtener más información comuníquese con nuestro Servicio al Cliente. 

 

本資訊可以其他語言免費提供。如需更多資訊,請聯絡客戶服務部。 

Medicare Prescription Drug plans available for 2026

Plans starting in November or December 2026

Plans starting in January 2026 or later.

AARP Medicare Rx Preferred from UHC (PDP)
Monthly premium
New Premium
$118.90
Original Premium
$118.90
Tier 1: Preferred Generic
$5 copay
  • $0 deductible on Tier 1 and Tier 2 prescriptions
  • $0 copay for a 3-month supply of Tier 1 and 2 drugs with Optum® Home Delivery Pharmacy
  • $35 or less for a 1-month supply of covered insulin prescriptions
  • $0 copay for most Part D-covered adult vaccines including Shingrix®
  • $0 cost-share for all Medicare Part D-covered drugs in the Catastrophic Coverage stage
View plan details
AARP Medicare Rx Saver from UHC (PDP)
Monthly premium
New Premium
$77.40
Original Premium
$77.40
Tier 1: Preferred Generic
$2 copay
  • $35 or less for a 1-month supply of covered insulin prescriptions
  • $0 copay for most Part D-covered adult vaccines including Shingrix®
  • $0 cost-share for all Medicare Part D-covered drugs in the Catastrophic Coverage stage
  • Take advantage of more than 65,000 network pharmacies nationwide
View plan details

We're here to help

Get one-on-one help from UnitedHealthcare.

Call (TTY 711)

8 a.m. to 8 p.m., 7 days a week

Find a sales agent in your area Opens in a new window
1 Optum Home Delivery Pharmacy and Optum Rx affiliates may not be available in Arkansas.

 

 

Disclaimer information

 

Enrollment Disclaimer Information:

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies. For Medicare Advantage and/or Prescription Drug Plans: A Medicare Advantage organization with a Medicare contract and/or a Medicare-approved Part D sponsor. For Dual Special Needs Plans: A Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan's contract renewal with Medicare.

 

AARP-related Disclaimer:

UnitedHealthcare Insurance Company 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. You do not need to be an AARP member to enroll in a Medicare Advantage or Prescription Drug Plan. AARP encourages you to consider your needs when selecting products and does not make specific product recommendations for individuals. AARP does not employ or endorse agents, producers or brokers.

 

Limited Access: 

AARP® Medicare Rx Preferred from UHC (PDP)’s and AARP® Medicare Rx Saver from UHC (PDP)’s pharmacy network includes limited lower-cost pharmacies in rural MT, NE, ND, SD and WY. There are an extremely limited number of preferred cost share pharmacies in suburban MT. The lower costs advertised in our plan materials for these pharmacies may not be available at the pharmacy you use. For up-to-date information about our network pharmacies, including whether there are any lower-cost preferred pharmacies in your area, please call us or consult the online pharmacy directory.

 

Extra Help: 

If you are receiving Extra Help from Medicare, your copays may be lower or you may have no copays. 

 

Other Languages:

This information is available for free in other languages. Please contact Customer Service for additional information. 

 

Esta información está disponible sin costo en otros idiomas. Para obtener más información comuníquese con nuestro Servicio al Cliente. 

 

本資訊可以其他語言免費提供。如需更多資訊,請聯絡客戶服務部。 

When do you want your coverage to begin?

If you are new to Medicare and need coverage to begin in November or December of this year, shop 2025 plans.

If you are changing plans during the Medicare Annual Enrollment Period or need coverage to begin January 1st or later, shop 2026 plans.

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