Skip to main content
AARP Medicare Plans from UnitedHealthcare AARP Medicare Plans from UnitedHealthcare United HealthCare United HealthCare
UnitedHealthcare Insurance Company
AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company, or UnitedHealthcare Insurance Company of America, or United Healthcare Insurance Company of New York.
(UnitedHealthcare)
  • Saved Icon Saved
  • For Plan Members Icon For Plan Members
  • Menu Icon Menu
  • Phone Icon
    TFN Modal Close

    Questions? We're ready to help.

    Call UnitedHealthcare at:
    FED TFN (TTY 711) (toll free)

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

    Already a member? Call the number on the back of your member ID card.

    MO10050ST

    Call UnitedHealthcare at:
    MEDSUPP TFN
     (TTY 711) (toll free)

    7 a.m. - 11 p.m. ET, Monday - Friday
    9 a.m. - 5 p.m. ET, Saturday.

    Already a member? Call the number on the back of your member ID card.

    MO10050ST

  • UnitedHealthcare uhc.com

    UnitedHealthcare Individual and Family Marketplace (ACA) plans

    Individual & family plans - short term, dental & more

    Medicaid plans

    Small business plans

  • Are you a Medicare Plan Member?
    Go to Member Site to Sign In or Register for an account

    Are you a Medicare Plan Member?
    Go to Member Site to Sign In or Register for an account

    Plan through your employer?
    Sign in to myuhc.com

    Sign in to myuhc.com

Please enter a search term
UnitedHealthcare Insurance Company or an affiliate (UnitedHealthcare)
  • Medicare
  • Home
  • Shop

    Get help making the right decision when shopping for coverage.

    Enroll

    Ready to enroll? Need to brush up on enrollment basics? See more here.

    Member Resources

    Get plan information, forms and documents you may need now or in the future.

    Plan Types

    Medicare Advantage Plans

    Dual Special Needs Plans

    [[state-start:AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,NE,MP,NV,NH,NJ,NM,NY,NC,ND,OH,OK,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY,null]]Medicare Supplement Plans [[state-end]]

    [[state-start:OR]]Medicare Supplement Plans [[state-end]]

    Medicare Prescription Drug Plans

    All United Healthcare Insurance Plans

    Tools to help you choose a plan

    Get a Plan Recommendation

    Estimate Drug Costs

    Search for a Pharmacy

    Search Doctors

    Search Dentists

    Find plans in your area
    Error: Please enter a valid ZIP Code

    Request More Help and Information

  • Introduction to Medicare

    Introduction

    Eligibility

    Coverage Options

    Prescriptions, Providers & Benefits

    Medicare Cost Basics

    More about Medicare

    Articles and Special Topics

    Types of Plans

    Overview of Plans

    Medicare Advantage Plans

    Medicare Supplement Insurance

    Medicare Prescription Drug Plans

    Special Needs Plans

    FAQ

    Medicare FAQ

    Glossary

    Medicare Enrollment

    When to Enroll

    How to Enroll

    Changing Plans

    Working Past 65

    Get Your Free Medicare Guide

    Learn more about how Medicare works,
    coverage options and when to enroll.

    Thank You!

    Your guide will arrive in your inbox shortly.

    Error: Please enter a valid email address.
  • Saved

    My Saved Items
    Welcome

    This plan has been saved to your profile.

    A plan has been removed from your profile.

    No plans or drugs have been saved.


    Sign In to see your saved items
    Sign Out
You are in Agent mode
Please enter a search term.
For Plan Members

Are you a Medicare Plan Member?
Go to Member Site to Sign In or Register for an account

Plan through your employer?
Sign in to myuhc.com

Sign in to myuhc.com

Main Menu
  • Home
  • Medicare

Are you a Plan Member?

Go to the Member Site to Sign In or Register for an account.

Go to the Member Site external icon
Go to the Member Site external icon
Shop For a Plan

Shop

Get help making the right decision when shopping for coverage.

Enroll

Ready to enroll? Need to brush up on enrollment basics? See more here.

Member Resources

Get plan information, forms and documents you may need now or in the future.

Find plans in your area
Please enter a valid zip code.

Request More Help and Information

Shop For a Plan
Plan Types

Medicare Advantage Plans

Dual Special Needs Plans

[[state-start:AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,NE,MP,NV,NH,NJ,NM,NY,NC,ND,OH,OK,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY,null]]Medicare Supplement Plans [[state-end]]

[[state-start:OR]]Medicare Supplement Plans [[state-end]]

Medicare Prescription Drug Plans

All United Healthcare Insurance Plans

Shop For a Plan
Tools to help you choose a plan

Get a Plan Recommendation

Estimate Drug Costs

Search for a Pharmacy

Search Doctors

Search Dentists

Learn About Medicare

Get Your Free Medicare Guide

Learn more about how Medicare works,
coverage options and when to enroll.

Thank You!

Your guide will arrive in your inbox shortly.

Please enter a valid email address.
Learn About Medicare
Introduction to Medicare

Introduction

Eligibility

Coverage Options

Prescriptions, Providers & Benefits

Medicare Cost Basics

Learn About Medicare
Types of Plans

Overview of Plans

Medicare Advantage Plans

Medicare Supplement Insurance

Medicare Prescription Drug Plans

Special Needs Plans

Learn About Medicare
Medicare Enrollment

When to Enroll

How to Enroll

Changing Plans

Working Past 65

Learn About Medicare
More about Medicare

Articles and Special Topics

Learn About Medicare
FAQ

Medicare FAQ

Glossary

Other Sites

UnitedHealthcare uhc.com

UnitedHealthcare Individual and Family Marketplace (ACA) plans

Individual & family plans - short term, dental & more

Medicaid plans

Small business plans

AARP Membership

Join AARP

Renew AARP Membership

AARP Member Benefits

You are in Agent mode
Close
  1. Home
  2. Medicare
  3. Introduction to Medicare
  4. Coverage Options
Explore More
  • Introduction to Medicare
    • Introduction
    • Eligibility
    • Coverage Options
    • Prescriptions, Providers & Benefits
    • Medicare Cost Basics
    • Original Medicare
  • Types of Plans
  • Medicare Enrollment
  • More about Medicare
  • FAQ

Coverage Options


You have important decisions to make when you're eligible for Medicare. Be confident in choosing coverage that fits your health care and budget needs.

Get to know your coverage choices  

Medicare coverage combinations  

Key things to remember when choosing coverage  

Get to know your coverage choices


When considering what Medicare coverage to choose, it's important to first understand what each option provides and who provides each. Then, we will walk through how the different options may work together to help ensure you have all the health coverage you need.
 

Let's review the following: Original Medicare (Parts A & B), Medicare prescription drug coverage (Part D), Medicare Advantage (Part C) and Medicare supplement insurance (Medigap).

Original Medicare is provided by the federal government. Part A helps pay for hospital stays and inpatient care, while Part B helps pay for doctor visits and outpatient care. Everyone who enrolls in Medicare gets Part A and Part B first.

 

Medicare Part D is prescription drug coverage. Part D coverage can be obtained from private insurance companies in one of two ways: (1) as a stand-alone Part D plan, (2) as part of a Medicare Advantage plan that includes prescription drug coverage. With either choice, the different drugs covered will vary from plan to plan. 

Medicare Advantage, or Part C is an alternative way to get Part A and Part B coverage benefits. Medicare Advantage plans are "all in one" plans that are offered by private insurance companies. With Medicare Advantage plans, you still enroll in Part A and Part B through the federal government, but then you will enroll in a Part C plan with a private insurance company. Once you do that, you will get your Part A and Part B benefits through your Medicare Advantage plan. Most Medicare Advantage plans also include Part D prescription drug coverage, as well as other benefits such dental, vision, hearing and fitness. There are different types of Medicare Advantage plans, and what additional benefits are provided vary from plan to plan.

Medicare Supplement Insurance Plan, also known as Medigap, helps pay some of the out-of-pocket costs not paid by Original Medicare (Parts A & B). There are 10 plans, organized by letters (ex. Plan G) and standardized by the federal government.* However, it’s important to note that Medigap plans are only available to purchase directly from private insurance companies. Each Medigap plan offers the same basic benefits no matter which insurance company sells it, but costs may vary.
 

*Note: In Massachusetts, Minnesota and Wisconsin, there are different plan options available.

Need Help Finding a Plan?

 

Answer a few simple questions and get a personalized list of plans, ranked by what's important to you.

Get Started

Medicare and Medigap coverage combinations


Now that we have looked at the different coverage options, let's see how some of them can be combined to provide you with more complete health care coverage.

 

Original Medicare, Part D and Medigap can work together. Medicare Advantage and Part D can also work together in certain situations. Medicare Advantage and Medigap do not work together.

 

In total, there are seven different Medicare coverage combinations.

Original Medicare Combinations


If you get Original Medicare (Parts A & B) you can choose to have only Part A and Part B, or you can add a stand-alone Part D plan, a Medicare supplement insurance (Medigap) plan or both.

Original Medicare (Part A and/or Part B) alone

Original Medicare (Part A and/or Part B)

PLUS a standalone prescription drug plan (Part D)

Original Medicare (Part A and Part B) 

PLUS a standalone prescription drug plan (Part D)

PLUS a Medicare Supplement (Medigap) plan

Original Medicare (Part A and Part B) 

PLUS a Medicare Supplement (Medigap) plan

Medicare Advantage Combinations


If you choose to get your Part A and Part B benefits through a Medicare Advantage (Part C) plan, you may or may not need additional coverage. Most Medicare Advantage plans already come with built-in Part D prescription drug coverage, but some do not. You can add a stand-alone Part D plan to the following types of Medicare Advantage plans: Private-Fee-For-Service (PFFS) Medicare Advantage plan or a Medicare Medical Savings Account (MSA) plan.

Medicare Advantage plan (Part C) with included prescription drug coverage (Part D)

Medicare Advantage plan (Part C) without prescription drug coverage (Part D)

Medicare Advantage Private Fee-for-Service plan without drug coverage (Part C) OR a Medicare Savings Account (MSA) plan PLUS a standalone prescription drug plan (Part D)

Choosing the Right Medicare Plan

Video transcript

Upbeat music plays. Text appears beside an illustrated document and folder labeled “Medicare”. A male narrator speaks in voiceover.
 

ONSCREEN TEXT:       How to Choose the Right Medicare Plan

 

NARRATOR: How to choose the right Medicare plan for you.

 

Four illustrated hands raise in the air.

 

ONSCREEN TEXT:        Medicare coverage should fit your unique health and lifestyle needs

 

NARRATOR: Medicare coverage should fit your unique health and lifestyle needs. The answers to a few important questions can help you determine which Medicare coverage option is right for you. Let’s get started.

 

A bottle of pills appears.

 

ONSCREEN TEXT:        Do you take prescription drugs?

 

NARRATOR: Do you take prescription drugs?

 

The word “Yes” appears beside an icon of a pill bottle labeled “Part D” and an icon of a bed and stethoscope labeled “Medicare Advantage”.

 

NARRATOR: If you answered yes, you will want to consider a Part D prescription drug plan, or Medicare Advantage plan with built in prescription drug coverage.

 

Text appears beside a graphic of a coin rising out of a wallet.

 

ONSCREEN TEXT:       
                                    No

                                    Watch out for

                                    Part D late

                                    enrollment

                                    penalty

 

NARRATOR:    If you answered no, just be aware that you could face a Part D late enrollment penalty if you choose to enroll later on and don’t have creditable drug coverage.

 

Text appears above a toothbrush, a person’s ear, an eye chart, and a shelf holding a plant.

 

ONSCREEN TEXT:        Do you want coverage for dental, vision, or hearing care?

 

NARRATOR: Do you want coverage for dental, vision, or hearing care?

The word “Yes” appears above the Medicare Advantage icon.

 

NARRATOR: If you answered yes, a Medicare Advantage plan may be a good fit.

 

The word “No” replaces “Yes”.

 

NARRATOR: If you answered no, you don’t need to consider these when choosing your coverage.

 

A stethoscope appears.

 

ONSCREEN TEXT:        Do you visit the doctor often?

 

NARRATOR: Do you visit the doctor often? Frequent doctor visits can get costly. Your cost may include plan deductibles, co-pays, co-insurance, and other out of pocket costs.

 

Three progressively larger dollar signs appear. Text appears, followed by three progressively taller vertical bars. The tallest bar is composed of horizontal bars, and is topped by a dollar sign.

 

ONSCREEN TEXT:       
                                    Tip: Estimate your healthcare costs

                                    20% You

                                    80% Medicare

 

NARRATOR: It’s a good idea to estimate what your total cost for the year may be if you see a doctor, or other specialist, frequently.

 

An icon of a credit card appears.

 

ONSCREEN TEXT:        Is paying for Medicare a concern?

 

NARRATOR: Is paying for Medicare a concern? If yes, there are a variety of financial assistance programs available that could help.

 

Text appears.

 

ONSCREEN TEXT:        Medicare financial assistance programs

·         Medicaid

·         Medicare Savings Programs

·         Extra Help

·         PACE

·         State-specific financial aid programs

 

NARRATOR: Consider seeing if you qualify for Medicaid, a Medicare savings program, extra help, or programs of all-inclusive car for the elderly known as PACE programs. Your state may also have specific financial aid programs available, that you can try as well.

 

Blue text appears against a white background.

 

ONSCREEN TEXT:        Medicare Made Clear brought to you by UnitedHealthcare
 

©2022 United HealthCare Services, Inc. All rights reserved. Medicare Made Clear® by UnitedHealthcare®


Y006_ChoosingRightPlan_C

 

The stacked blue U’s of the UnitedHealthcare logo appear.


ONSCREEN TEXT:        UnitedHealthcare

 

 

 

 

See Medicare coverage combination examples


Get a better understanding of how each Medicare coverage combination may work, including costs, in these examples.

Four things to remember when choosing Medicare and Medigap coverage

 

  • Original Medicare (Parts A & B) comes directly from the federal government.
  • Medicare Part D, Medicare Advantage (Part C) and Medicare supplement insurance (Medigap) plans come from private insurance companies only.
  • There are seven different ways to combine Medicare coverage choices to ensure your health and budget needs are met.
  • Medicare Advantage and Medigap plans do not work together. 

Read Next: Prescriptions, Providers & Benefits


Learn more about Prescriptions, Providers and Benefits  

Find a Plan

Call Us

Call UnitedHealthcare: 

FED TFN (TTY 711)

Hours: 8 a.m. – 8 p.m., 7 days a week.

 

Call UnitedHealthcare: 

MEDSUPP TFN (TTY 711)

Hours: 7 a.m. – 11 p.m., ET, Monday - Friday

9 a.m. – 5 p.m., ET, Saturday

Meet with a Sales Agent

Make an appointment with a licensed insurance agent/producer in your area

 

Find an Agent - opens in a new tab

Scroll for Important Disclosures

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 Insurance Plans, insured by UnitedHealthcare.

Insured by UnitedHealthcare Insurance Company, Hartford, CT or UnitedHealthcare Insurance Company of America, Schaumburg, IL (for ND residents) or UnitedHealthcare Insurance Company of New York, Islandia, NY (for NY residents). Each insurer has sole financial responsibility for its products. Policy form No. GRP 79171 GPS-1 (G-36000-4).

 

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.

 

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 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.

WB27377ST

Questions? We're ready to help.

TFN Modal Close

Call UnitedHealthcare at:

(TTY 711) (toll free)

Hours: 8 a.m. – 8 p.m., 7 days a week.

Already a member? Call the number on the back of your member ID card.

MO10050ST

(TTY 711) (toll free)

7 a.m. – 11 p.m. ET, Monday-Friday
9 a.m. – 5 p.m. ET, Saturday

Already a member? Call the number on the back of your member ID card.

MO10050ST

Shop Plans

Medicare Advantage Plans

Dual Special Needs Plans

[[state-start:null,AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OH,OK,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,WA,VA,DC,WV,WI,WY]]Medicare Supplement Insurance Plans [[state-end]]

Medicare Prescription Drug Plans

Shop Plans

Medicare Advantage Plans

Dual Special Needs Plans

[[state-start:null,AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OH,OK,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,WA,VA,DC,WV,WI,WY]]Medicare Supplement Insurance Plans [[state-end]]

Medicare Prescription Drug Plans

Tools & Resources

Get a Plan Recommendation

Estimate Drug Costs

Search for a Pharmacy

Search Doctors

Search Dentists

Tools & Resources

Get a Plan Recommendation

Estimate Drug Costs

Search for a Pharmacy

Search Doctors

Search Dentists

Learn About Medicare

Introduction to Medicare

Eligibility

Coverage Choices

Medicare FAQ

Learn About Medicare

Introduction to Medicare

Eligibility

Coverage Choices

Medicare FAQ

More

About

Contact

Language Assistance

AARP.org

More

About

Contact

Language Assistance

AARP.org

©2023 United HealthCare Services, Inc. All rights reserved.

Last updated: 03/15/2023 at 12:01 AM CT | Y0066_AARPMedicarePlans_M Last updated: 03/15/2023 at 12:01 AM CT | Y0066_UHCMedicareSolutions_M
  • Site Map
  • Privacy Policy
  • Terms of Use
  • Disclaimers
  • Agents & Brokers
  • Accessibility - Opens in new tab

Session Timeout

Close
Need More Time?

Your session is about to expire. You will automatically go back to the
home page in

Learn about the Medicare Advantage plans, Medicare Supplement Insurance plans.

To continue your current session, click "Stay on this page" below.

ATTENTION: We no longer support Internet Explorer (IE) or certain versions of other browsers.
Let's upgrade your browser to make sure you all functionality works as intended.

Update now Update later