Learn about Medicare Supplement insurance (Medigap)
Get help with some of the out-of-pocket costs not paid for by Original Medicare (Parts A and B) with a Medicare Supplement insurance plan (Medigap). Plan options with predictable out-of-pocket expenses that put the control of and planning for future medical expenses right where it belongs: with you.
General features of Medicare Supplement insurance plans
Medicare Supplement insurance plans work with Original Medicare (Parts A and B) to help with out-of-pocket costs not covered by Parts A and B. The following are also true about Medicare Supplement insurance plans:
- Predictable costs help you stay ahead of unexpected out-of-pocket expenses.
- No network restrictions mean you can see any doctor who accepts Medicare patients.
- You don't need a referral to see a specialist.
- Coverage goes with you anywhere you travel in the U.S.
- There is a range of plans available to fit your health needs and budget goals.
- Purchasing a Medigap plan and a Medicare Part D prescription drug plan could give you more complete coverage.
- Guaranteed coverage for life† means your plan can't be canceled.
† As long as you pay your premiums when due and you do not make any material misrepresentation when you apply for this plan.
Rates are subject to change. Any change will apply to all members of the same class insured under your plan who reside in your state.
Shop and apply for an AARP Medicare Supplement insurance plan
How do Medicare Supplement insurance plans work with Original Medicare?
Medicare Supplement insurance plans help cover out-of-pocket costs associated with Original Medicare (Part A and Part B). These can include copayments, coinsurance, and deductibles. Some also help pay for services Original Medicare doesn't cover, such as emergency medical care when traveling outside the United States. The basic benefit structure for each plan is the same, no matter which insurance company offers it.
In general, Medicare Supplement insurance plans don’t cover dental care, hearing aids or vision care. They also don’t cover medications, but you can combine a Medicare Supplement insurance plan with a Medicare Part D prescription drug plan.
What types of Medicare Supplement insurance plans are available?
Available plans in Minnesota vary depending on the carrier. UnitedHealthcare offers two plans, and one has five optional riders. When you compare plans, look at premiums, benefit levels, and out-of-pocket costs to find which plans best fit your needs.
What does Medicare Supplement insurance cost?
The primary goal of a Medicare Supplement insurance (Medigap) plan is to help cover some of the out-of-pocket costs of Original Medicare (Parts A and B). As a general rule, the more comprehensive the coverage, the higher the premium, however, premiums will also vary by insurance company, and premium amounts can change yearly.
Learn more about costs associated with Medicare Supplement plans
Medicare costs and Medicare Supplement
Original Medicare doesn't pay for everything. When you have a Medigap plan to work with Original Medicare it can help with some of the following costs that you would have to pay on your own:
- About 20% in out-of-pocket expenses not paid by Medicare Part B for doctor and outpatient medical expenses (after the annual deductible is met — $257 in 2025)
- Part A coinsurance, which could be one of the largest out-of-pocket expenses if you need to spend time in a hospital
- Hospital coverage after Medicare benefits are used up
- Part A hospice/respite care coinsurance or copayment
See how Medicare costs may work with these Medicare coverage examples
Applying for a Medicare Supplement insurance plan
The best time to enroll in a Medicare Supplement plan is during your Medicare Supplement Open Enrollment period because your acceptance is guaranteed. It starts on the first day of the month in which you're both age 65 or older and enrolled in Medicare Part B. You may have a guaranteed issue right to enroll in a Medicare Supplement plan in certain situations, for example: if you have a specific type of health insurance coverage that changes in some way, such as a loss of the coverage, or you enrolled with a “trial right” to try a Medicare Advantage Plan but change your mind and want to switch back to a Medicare Supplement plan during the trial period.
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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 Plans 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. If you are not a member, you can join AARP for just $20.00 a year.
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. 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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