[[state-start:NH]]The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent or insurance company.
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Introduction to Medicare
Coverage Choices
[[state-start:MP,OR,VI]]You have important decisions to make if you’re eligible for Medicare—but you have choices. Learning as much as possible about each option may help you feel more confident about choosing coverage that fits your health care and budget needs.
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[[state-start:null,AL,AK,AS,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,NV,NH,NJ,NM,NC,ND,NY,OH,OK,PA,PR,RI,SC,SD,TN,TX,UT,VT,VA,WA,DC,WV,WI,WY]]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.
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When looking at coverage choices, there’s a lot to consider. You can enroll in Medicare Part A (hospital insurance), Medicare Part B (medical insurance) or both. Once you enroll in Original Medicare (Parts A & B), you may have other coverage choices, too, such as a Medicare Advantage plan (Part C), a Medicare prescription drug plan (Part D) or a Medicare Supplement insurance plan (Medigap).
When looking at coverage choices, there’s a lot to consider. You can enroll in Original Medicare Part A (hospital insurance), Original Medicare Part B (medical insurance), or both. Once you enroll in Medicare, there are more coverage choices you can make. Consider a Medicare Advantage plan (Part C), a Medicare prescription drug plan (Part D), or a Medicare Supplement insurance plan (Medigap) to complete your Medicare coverage.
Combines Part A (hospital insurance) and Part B (medical insurance) in one plan
Usually includes prescription drug coverage
Offers additional benefits beyond Original Medicare
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Medicare coverage choices from the U.S. government
Original Medicare (Parts A & B) is coverage provided by the federal government. It helps pay for hospital stays and doctor visits. But it doesn't cover everything—and it doesn't cover prescription drugs. Original Medicare has two parts: Part A and Part B. Let's learn more.
Original Medicare coverage from the U.S. government
Original Medicare, provided by the federal government, has two parts: Part A and Part B. Original Medicare Part A helps pay for hospital stays, while Original Medicare Part B helps pay for doctor visits.
Click on the blue bars below to learn more about what Original Medicare Part A and Original Medicare Part B cover.
Doctor visits, including when you are in the hospital
An annual wellness visit and preventive services, like flu shots and mammograms
Clinical laboratory services, like blood and urine tests
X-rays, MRIs, CT scans, EKGs and some other diagnostic tests
Some health programs, like smoking cessation, obesity counseling and cardiac rehab
Physical therapy, occupational therapy and speech-language pathology services
Diabetes screenings, diabetes education and certain diabetes supplies
Mental health care
Durable medical equipment for use at home, like wheelchairs and walkers
Ambulatory surgery center services
Ambulance and emergency room services
Skilled nursing care and health aide services for the homebound on a part-time or intermittent basis
Eye exams, eyeglasses or contact lenses
Hearing tests or hearing aids
Dental exams, cleanings, X-rays or routine dental care
Acupuncture
Most prescription drugs
Part B coverage limits: Preventive services and screenings are covered on set schedules, like a yearly flu shot. Other services and supplies must be medically necessary to diagnose or treat a disease or condition.
What’s covered:
Doctor visits, including when you are in the hospital
An annual wellness visit and preventive services, like flu shots and mammograms
Clinical laboratory services, like blood and urine tests
X-rays, MRIs, CT scans, EKGs and some other diagnostic tests
Some health programs, like smoking cessation, obesity counseling and cardiac rehab
Physical therapy, occupational therapy and speech-language pathology services
Diabetes screenings, diabetes education and certain diabetes supplies
Mental health care
Durable medical equipment for use at home, like wheelchairs and walkers
Ambulatory surgery center services
Ambulance and emergency room services
Skilled nursing care and health aide services for the homebound on a part-time or intermittent basis
What isn't covered:
Eye exams, eyeglasses or contact lenses
Hearing tests or hearing aids
Dental exams, cleanings, X-rays or routine dental care
Acupuncture
Most prescription drugs
Part B coverage limits: Preventive services and screenings are covered on set schedules, like a yearly flu shot. Other services and supplies must be medically necessary to diagnose or treat a disease or condition.
Doctor visits, including when you are in the hospital
An annual wellness visit and preventive services, like flu shots and mammograms
Clinical laboratory services, like blood and urine tests
X-rays, MRIs, CT scans, EKGs and some other diagnostic tests
Some health programs, like smoking cessation, obesity counseling and cardiac rehab
Physical therapy, occupational therapy and speech-language pathology services
Diabetes screenings, diabetes education and certain diabetes supplies
Mental health care
Durable medical equipment for use at home, like wheelchairs and walkers
Ambulatory surgery center services
Ambulance and emergency room services
Skilled nursing care and health aide services for the homebound on a part-time or intermittent basis
Eye exams, eyeglasses or contact lenses
Hearing tests or hearing aids
Dental exams, cleanings, X-rays or routine dental care
Acupuncture
Most prescription drugs
Part B coverage limits: Preventive services and screenings are covered on set schedules, like a yearly flu shot. Other services and supplies must be medically necessary to diagnose or treat a disease or condition.
What’s covered:
Doctor visits, including when you are in the hospital
An annual wellness visit and preventive services, like flu shots and mammograms
Clinical laboratory services, like blood and urine tests
X-rays, MRIs, CT scans, EKGs and some other diagnostic tests
Some health programs, like smoking cessation, obesity counseling and cardiac rehab
Physical therapy, occupational therapy and speech-language pathology services
Diabetes screenings, diabetes education and certain diabetes supplies
Mental health care
Durable medical equipment for use at home, like wheelchairs and walkers
Ambulatory surgery center services
Ambulance and emergency room services
Skilled nursing care and health aide services for the homebound on a part-time or intermittent basis
What isn't covered:
Eye exams, eyeglasses or contact lenses
Hearing tests or hearing aids
Dental exams, cleanings, X-rays or routine dental care
Acupuncture
Most prescription drugs
Part B coverage limits: Preventive services and screenings are covered on set schedules, like a yearly flu shot. Other services and supplies must be medically necessary to diagnose or treat a disease or condition.
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Coverage choices from private insurance companies
There are also coverage choices offered by private insurance companies like UnitedHealthcare. These include Medicare Advantage (Part C) plans, Medicare Prescription Drug (Part D) plans and Medicare Supplement plans. Let's learn more.
Medicare Part C is Medicare Advantage. Medicare Advantage plans combine Part A and Part B benefits into one plan. Most also include prescription drug coverage and offer additional benefits not covered by Original Medicare, often with no additional premium.
What’s covered:
What isn't covered:
The same benefits as Original Medicare Parts A and B (except hospice care, which is still covered by Medicare Part A)
Most plans cover prescription drugs
Some plans offer additional benefits, like:
Eye exams, eyeglasses and corrective lenses
Dental exams, cleanings and X-rays
Hearing tests and hearing aids
Wellness programs and fitness benefit
Hospice care, which is still covered by Part A. And benefits can vary by plan
What’s covered:
The same benefits as Original Medicare Parts A and B (except hospice care, which is still covered by Medicare Part A)
Most plans cover prescription drugs
Some plans offer additional benefits, like:
Eye exams, eyeglasses and corrective lenses
Dental exams, cleanings and X-rays
Hearing tests and hearing aids
Wellness programs and fitness benefit
What isn't covered:
Hospice care, which is still covered by Part A. And benefits can vary by plan
Medicare Part C is known as Medicare Advantage. Medicare Advantage plans cover and combine Original Medicare Part A and Part B benefits into one plan. Most Medicare Advantage plans also include prescription drug coverage (Part D) and offer additional benefits not covered by Original Medicare, often with no additional premium.
What’s covered:
What isn't covered:
The same benefits as Original Medicare Parts A and B (except hospice care, which is still covered by Original Medicare Part A)
Most plans cover prescription drugs
Some plans offer additional benefits, like:
Eye exams, eyeglasses and corrective lenses
Dental exams, cleanings and X-rays
Hearing tests and hearing aids
Wellness programs and fitness benefit
Hospice care, which is still covered by Original Medicare Part A
Benefits vary by plan
What’s covered:
The same benefits as Original Medicare Parts A and B (except hospice care, which is still covered by Original Medicare Part A)
Most plans cover prescription drugs
Some plans offer additional benefits, like:
Eye exams, eyeglasses and corrective lenses
Dental exams, cleanings and X-rays
Hearing tests and hearing aids
Wellness programs and fitness benefit
What isn't covered:
Hospice care, which is still covered by Original Medicare Part A
If you have special health care or financial needs, you may qualify for a Special Needs Plan. All Special Needs Plans include drug coverage. Other benefits may include coordination of care, transportation to and from medical appointments, credits to buy everyday health items, and routine vision and dental coverage. There are four main types of Special Needs Plans:
Dual-Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid
Chronic Special Needs Plans (C-SNPs) for people living with severe or disabling chronic conditions
Institutional Special Needs Plans (I-SNPs) for people who live in a skilled nursing facility
Institutional-Equivalent Special Needs Plans (IE-SNPs) for people who live in a contracted assisted living facility and need the same kind of care as those who live in a skilled nursing facility
If you have special health care or financial needs, you may qualify for a Special Needs Plan. All Special Needs Plans include prescription drug coverage. Some plans also include coordination of care, transportation to and from medical appointments, credits to buy everyday health items, and routine vision and dental coverage. There are four types of Special Needs Plans:
Dual-Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid
Chronic Special Needs Plans (C-SNPs) for people living with severe or disabling chronic conditions
Institutional Special Needs Plans (I-SNPs) for people who live in a skilled nursing facility
Institutional-Equivalent Special Needs Plans (IE-SNPs) for people who live in a contracted assisted living facility and need the same kind of care as those who live in a skilled nursing facility
Medicare Part D is prescription drug coverage. You can get prescription drug coverage with a standalone Part D plan or with a Medicare Advantage plan that includes prescription drug coverage.
What’s covered:
What isn't covered:
Types of drugs most commonly prescribed for people eligible for Medicare (decided by the federal government)
Specific brand name and generic drugs on the plan’s drug list (formulary)
Drugs not on a plan’s drug list
Drugs prescribed for certain cosmetic or non-medically-necessary conditions (decided by the federal government)
Non-prescription drugs
Vitamins and supplements (prescription or over-the-counter)
Drugs received while an inpatient (these might be covered by Part A)
What’s covered:
Types of drugs most commonly prescribed for people eligible for Medicare (decided by the federal government)
Specific brand name and generic drugs on the plan’s drug list (formulary)
What isn't covered:
Drugs not on a plan’s drug list
Drugs prescribed for certain cosmetic or non-medically-necessary conditions (decided by the federal government)
Non-prescription drugs
Vitamins and supplements (prescription or over-the-counter)
Drugs received while an inpatient (these might be covered by Part A)
Medicare Part D is prescription drug coverage. There are several plan type combinations you can have with a Part D plan:
As a standalone Part D plan
As part of a Medicare Advantage plan that includes prescription drug coverage
In addition to a Medicare Advantage Private Fee-for-Service (PFFS) plan
In addition to a Medicare Supplement insurance plan
What’s covered:
What isn't covered:
Types of drugs most commonly prescribed for people eligible for Medicare (decided by the federal government)
Specific brand name and generic drugs on the plan's drug list (formulary)
Drugs not on a plan’s drug list
Drugs prescribed for certain cosmetic or non-medically-necessary conditions (decided by the federal government)
Non-prescription drugs
Vitamins and supplements (prescription or over-the-counter)
Drugs received while an inpatient (these might be covered by Part A)
What’s covered:
Types of drugs most commonly prescribed for people eligible for Medicare (decided by the federal government)
Specific brand name and generic drugs on the plan's drug list (formulary)
What isn't covered:
Drugs not on a plan’s drug list
Drugs prescribed for certain cosmetic or non-medically-necessary conditions (decided by the federal government)
Non-prescription drugs
Vitamins and supplements (prescription or over-the-counter)
Drugs received while an inpatient (these might be covered by Part A)
Medicare Supplement insurance, often called "Medigap," helps pay some of the out‑of‑pocket costs not paid by Original Medicare (Parts A and B). There are ten plans standardized by the federal government. Each is labeled with a letter. Each Medicare Supplement plan offers the same basic benefits no matter which insurance company sells it.
Plan F[[state-start:null,AL,AK,AS,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,NY,NC,ND,OH,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY]]†[[state-end]]is also offered as a high-deductible plan by some insurance companies in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the yearly deductible amount of $2,370 in 2021 before your policy pays anything.
Note: In Massachusetts, Minnesota and Wisconsin, there are different standardized plan options available.
What’s covered:
What isn't covered:
All Medicare Supplement plans provide these basic benefits:
Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)
Medicare Part B coinsurance or copayment
Part A Hospice/Respite care
Blood (first 3 pints each year)
Some plans also provide additional benefits including:
Provider excess charges*
Skilled nursing facility coinsurance or copayment
Foreign travel emergencies**
NOTE: Benefits and costs vary depending on the plan chosen.
Long-term care
Routine eye exams or eyeglasses
Routine hearing test or hearing aids
Routine dental exams, cleaning or X-rays
Private duty nursing
Days in a skilled nursing facility beyond the 100 days covered by Part A
† Plan F is only available for consumers first eligible for Medicare before 1/1/2020.
* NY: In New York, the Excess Charge is limited to 5%; PA and OH: Note: Under Pennsylvania and Ohio law, a physician may not charge or collect fees from Medicare patients which exceed the Medicare-approved Part B charge. Plans F and G pay benefits for excess charges when services are rendered in a jurisdiction not having a balance billing law; TX: In Texas, the amount cannot exceed 15% over the Medicare- approved amount or any other charge limitation established by the Medicare program or state law. Note that the limiting charge applies only to certain services and does not apply to some supplies and durable medical equipment; VT: Vermont law generally prohibits a physician from charging more than the Medicare-approved amount. However, there are exceptions and this prohibition may not apply if you receive services out of state.
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**Care needed immediately because of an injury or an illness of sudden and unexpected onset. Benefit is 80% and beneficiaries are responsible for 20% after the $250 annual deductible with a $50,000 lifetime maximum for medically necessary emergency care received outside the U.S. during the first 60 days of each trip.
What’s covered:
All Medicare Supplement plans provide these basic benefits:
Medicare Part A coinsurance and hospital costs (up to an additional 365 days after Medicare benefits are used)
Medicare Part B coinsurance or copayment
Part A Hospice/Respite care
Blood (first 3 pints each year)
Some plans also provide additional benefits including:
Provider excess charges*
Skilled nursing facility coinsurance or copayment
Foreign travel emergencies**
NOTE: Benefits and costs vary depending on the plan chosen.
What isn't covered:
Long-term care
Routine eye exams or eyeglasses
Routine hearing test or hearing aids
Routine dental exams, cleaning or X-rays
Private duty nursing
Days in a skilled nursing facility beyond the 100 days covered by Part A
† Plan F is only available for consumers first eligible for Medicare before 1/1/2020.
* NY: In New York, the Excess Charge is limited to 5%; PA and OH: Note: Under Pennsylvania and Ohio law, a physician may not charge or collect fees from Medicare patients which exceed the Medicare-approved Part B charge. Plans F and G pay benefits for excess charges when services are rendered in a jurisdiction not having a balance billing law; TX: In Texas, the amount cannot exceed 15% over the Medicare- approved amount or any other charge limitation established by the Medicare program or state law. Note that the limiting charge applies only to certain services and does not apply to some supplies and durable medical equipment; VT: Vermont law generally prohibits a physician from charging more than the Medicare-approved amount. However, there are exceptions and this prohibition may not apply if you receive services out of state.
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**Care needed immediately because of an injury or an illness of sudden and unexpected onset. Benefit is 80% and beneficiaries are responsible for 20% after the $250 annual deductible with a $50,000 lifetime maximum for medically necessary emergency care received outside the U.S. during the first 60 days of each trip.
Medicare Supplement insurance, often called "Medigap," helps pay some of the out‑of‑pocket costs not paid by Original Medicare (Parts A and B). There are ten plans standardized by the federal government. Each Medicare Supplement plan offers the same basic benefits no matter which insurance company sells it.
Plan F[[state-start:null,AL,AK,AS,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,NY,NC,ND,OH,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY]]†[[state-end]]is also offered as a high-deductible plan by some insurance companies in some states. If you choose this option, this means you must pay for Medicare-covered costs (coinsurance, copayments, deductibles) up to the yearly deductible amount of $2,370 in 2021 before your policy pays anything.
Note: In Massachusetts, Minnesota and Wisconsin, there are different standardized plan options available.
What’s covered:
What isn't covered:
All Medicare Supplement plans provide these basic benefits:
Medicare Part A coinsurance and hospital costs (an additional 365 days after Medicare benefits are used)
Medicare Part B coinsurance or copayment
Part A Hospice/Respite care
Blood (first 3 pints each year)
Some plans also provide additional benefits, including:
Medicare Part B excess charges*
Skilled nursing facility coinsurance or copayment
Foreign travel emergency**
NOTE: Benefits and costs vary depending on the plan chosen.
† Plan F is only available for consumers first eligible for Medicare before 1/1/2020.
* NY: In New York, the Excess Charge is limited to 5%; PA and OH: Note: Under Pennsylvania and Ohio law, a physician may not charge or collect fees from Medicare patients which exceed the Medicare-approved Part B charge. Plans F and G pay benefits for excess charges when services are rendered in a jurisdiction not having a balance billing law; TX: In Texas, the amount cannot exceed 15% over the Medicare- approved amount or any other charge limitation established by the Medicare program or state law. Note that the limiting charge applies only to certain services and does not apply to some supplies and durable medical equipment; VT: Vermont law generally prohibits a physician from charging more than the Medicare-approved amount. However, there are exceptions and this prohibition may not apply if you receive services out of state.
[[state-end]]
**Care needed immediately because of an injury or an illness of sudden and unexpected onset. Benefit is 80% and beneficiaries are responsible for 20% after the $250 annual deductible with a $50,000 lifetime maximum for medically necessary emergency care received outside the U.S. during the first 60 days of each trip.
What’s covered:
All Medicare Supplement plans provide these basic benefits:
Medicare Part A coinsurance and hospital costs (an additional 365 days after Medicare benefits are used)
Medicare Part B coinsurance or copayment
Part A Hospice/Respite care
Blood (first 3 pints each year)
Some plans also provide additional benefits, including:
Medicare Part B excess charges*
Skilled nursing facility coinsurance or copayment
Foreign travel emergency**
NOTE: Benefits and costs vary depending on the plan chosen.
† Plan F is only available for consumers first eligible for Medicare before 1/1/2020.
* NY: In New York, the Excess Charge is limited to 5%; PA and OH: Note: Under Pennsylvania and Ohio law, a physician may not charge or collect fees from Medicare patients which exceed the Medicare-approved Part B charge. Plans F and G pay benefits for excess charges when services are rendered in a jurisdiction not having a balance billing law; TX: In Texas, the amount cannot exceed 15% over the Medicare- approved amount or any other charge limitation established by the Medicare program or state law. Note that the limiting charge applies only to certain services and does not apply to some supplies and durable medical equipment; VT: Vermont law generally prohibits a physician from charging more than the Medicare-approved amount. However, there are exceptions and this prohibition may not apply if you receive services out of state.
[[state-end]]
**Care needed immediately because of an injury or an illness of sudden and unexpected onset. Benefit is 80% and beneficiaries are responsible for 20% after the $250 annual deductible with a $50,000 lifetime maximum for medically necessary emergency care received outside the U.S. during the first 60 days of each trip.
Seven plan combination options
Medicare isn't one-size-fits-all. You can combine different plans, offered through the government and private insurance companies, to get the coverage that's a good fit for you. Keep in mind that your health care and budget needs may change over time. When they do, you can be assured there's an option for you.
There are seven different combinations of plans to choose from.
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/or Part B)
PLUS a standalone prescription drug plan (Part D)
PLUS a Medicare Supplement (Medigap) plan
Original Medicare (Part A and/or Part B)
PLUS a Medicare Supplement (Medigap) plan
Medicare Advantage plan (Part C) with 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
Explore the Medicare Advantage, Medicare Prescription Drug and Medicare Supplement plans that may be available in your area. Or learn if you qualify for a Medicare Special Needs Plan.
The following Exclusions and Limitations apply to AARP Medicare Supplement Plans for residents of Oklahoma:
Benefits provided under Medicare.
Care not meeting Medicare's standards.
Injury or sickness payable by Workers' Compensation or similar laws.
Stays or treatment provided by a government-owned or -operated hospital or facility unless payment of charges is required by law.
Stays, care, or visits for which no charge would be made to you in the absence of insurance.
Any stay which begins, or medical expenses you incur, during the first 3 months after your effective date will not be considered if due to a pre-existing condition. A pre-existing condition is a condition for which medical advice was given or treatment was recommended by or received from a physician within 3 months prior to your plan's effective date.
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. 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 Insurance Company.
Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents). 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.
