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
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
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
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
Answer a few simple questions and get a personalized list of plans ranked by what's important to you.
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. 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.
Plans starting in November or December 2025
Plan starting in January 2025 or later.
Add the optional Platinum Dental Rider to your premium for $54 per month to receive comprehensive coverage.
Add the optional Platinum Dental Rider to your premium for $54 per month to receive comprehensive coverage.
This plan is best for people who have current prescription drug coverage through military benefits, government assistance or coverage through their previous employer or union.
Add the optional Platinum Dental Rider to your premium for $54 per month to receive comprehensive coverage.
Add the optional Platinum Dental Rider to your premium for $54 per month to receive comprehensive coverage.
This plan is a good choice for someone living in a nursing home.
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Get one-on-one help from UnitedHealthcare.
Call (TTY 711)
8 a.m. to 8 p.m., 7 days a week
Enrollment Disclaimer Information:
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. UnitedHealthcare Insurance Company paid 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. AARP encourages you to consider your needs when selecting products and does not make specific product or pharmacy recommendations for individuals. UnitedHealthcare contracts directly with Walgreens for this plan; AARP and its affiliates are not parties to that contractual relationship.
Extra Help:
If you receive 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.
- Other hearing exam providers are available in the UnitedHealthcare network. The plan only covers hearing aids from a UnitedHealthcare Hearing network provider.
- For Chronic Special Needs Plans - You will pay a maximum of $25 for each 1-month supply of Part D covered insulin drug through all coverage stages, except the Catastrophic drug payment stage where you pay $0.
- For All Other Plans - You will pay a maximum of $35 for each 1-month supply of Part D covered insulin drug through all coverage stages, except the Catastrophic drug payment stage where you pay $0.
- Food, OTC and utility benefits have expiration timeframes. Call your plan or review your Evidence of Coverage (EOC) for more information.
- Eligibility for the healthy food and utilities benefit under the Value-Based Insurance Design model is limited to members with Extra Help from Medicare and will be determined after enrollment.
- For C-SNP: The healthy food benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as diabetes, chronic heart failure and/or cardiovascular disorders, and who also meet all applicable plan coverage criteria. Contact us for details.
- For D-SNP, TN only: The healthy food benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as high blood pressure, high cholesterol, chronic and disabling mental health conditions, diabetes and/or cardiovascular disorders, and who also meet all applicable plan coverage criteria. There may be other qualified conditions not listed. Contact us for details.
- The fitness benefit includes a standard fitness membership. The information provided is for informational purposes only and is not medical advice. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine. Gym network may vary in local market and plan.
- 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.
- Virtual visits may require video-enabled smartphone or other device. Not for use in emergencies. Not all network providers offer virtual care.
- $0 copays may be restricted to preferred home delivery prescriptions during the initial coverage phase and may not apply during the Catastrophic stage. Optum® Home Delivery Pharmacy and Optum Rx are affiliates of the UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery Pharmacy for medications you take regularly. There may be other pharmacies in your 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。
Plans starting in November or December 2025
Plan starting in January 2025 or later.
Get one-on-one help from UnitedHealthcare.
Call (TTY 711)
8 a.m. to 8 p.m., 7 days a week
1 Optum® Home Delivery Pharmacy is not available in Guam, American Samoa, U.S. Virgin Islands or Northern Mariana Islands.
Enrollment Disclaimer Information:
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. UnitedHealthcare Insurance Company paid 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. AARP encourages you to consider your needs when selecting products and does not make specific product or pharmacy recommendations for individuals. UnitedHealthcare contracts directly with Walgreens for this plan; AARP and its affiliates are not parties to that contractual relationship.
Extra Help:
If you receive 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。
If you are new to Medicare and need coverage to begin in November or December of this year, shop 2024 plans.
If you are changing plans during the Medicare Annual Enrollment Period or need coverage to begin January 1st or later, shop 2025 plans.