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Comparing Medicare Supplement Insurance Plans

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See AARP Medicare Supplement Insurance plans where you live – and compare costs and benefits side-by-side.

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Medicare Supplement insurance plans, also called Medigap plans, provide help with some of the out-of-pocket expenses not paid for by Original Medicare.

When you go to the doctor under Original Medicare, you still have expenses to pay. Medicare Supplement insurance plans work with your Medicare Part A (hospital stays) and Medicare Part B (doctor visits) to help lower the out-of-pocket medical costs that Original Medicare doesn’t cover.

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UnitedHealthcare offers two Medicare Supplement plans and optional riders in Minnesota, and which Medicare Supplement plan you choose depends on your individual needs. Use the information below to help as you consider which Medicare Supplement plan is best for you.

Medicare Supplement (Medigap) Plan Comparison

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A checkmark indicates the benefit is paid at 100%.

Plans available to all applicants
Benefits Extended Basic Plan Basic Plan Rider 1 1 Rider 21,3 Rider 31 Rider 41 Rider 51

Part A Coinsurance and hospital coverage

(up to an additional 365 days after Medicare benefits are used)

100% Covered

100% Covered

Part B coinsurance or copayment

100% Covered

100% Covered

Blood

(first 3 pints, per year)

100% Covered

100% Covered

Part A Hospice coinsurance or copayment

100% Covered

100% Covered

Skilled nursing facility care coinsurance

100% Covered

100% Covered

Home health care services and medical supplies

100% Covered

100% Covered

Part A deductible

100% Covered

100% Covered

100% Covered

Part B deductible2

100% Covered2

100% Covered3

100% Covered

Preventive care4

$120

$120

$120

Care received outside the United States

80%5

Foreign travel emergency care6

100% Covered

Part B excess charges

100% Covered

100% Covered

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1 The riders are only available with the Basic Plan. If you want all the benefits of Riders 3, 4 and 5, Select Rider 1.

2 Coverage for the Part B deductible is not available to persons "newly eligible" for Medicare on or after 1/1/2020.

3 Rider 2 (Part B deductible) is not available to persons "newly eligible" for Medicare on or after 1/1/2020.

Preventive care includes annual physicals, preventive tests and screenings; plus, immunizations, cancer screening and mammograms, when not paid by Medicare.

5 Pays 100% after you spend $1,000 in out-of-pocket costs for a calendar year.

6 Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.

Benefits and costs vary depending on the plan chosen.

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Coverage vs. Cost

Now that you've seen plan coverage side-by-side, it's time to consider how much those plans impact your personal budget.

The Basic Plan offers just the Basic Benefits, and a benefit for home health care services and medical supplies. The Medicare Part A deductible could be one of your largest out-of-pocket expenses if you need to spend time in a hospital. The Basic Plan generally has higher out-of-pocket costs for things like the Medicare Part B deductible and Medicare Part B excess charges; however, optional riders are available to cover these expenses if you would like the additional coverage.

Rider 2 (Part B deductible) is not available to persons "newly eligible" for Medicare on or after 1/1/2020.

The Extended Basic Plan offers the most supplemental coverage, paying many of your out-of-pocket costs for Medicare-approved services. Consider this plan if you are willing to pay a monthly premium that is typically higher in exchange for more covered benefits and lower out-of-pocket costs.

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Download the AARP Medicare Supplement Plan Comparison Guide  

Choosing a Medicare Supplement plan that fits your needs

When choosing between plans, ask yourself:

 

  • How much coverage do you need?
  • How much is the monthly premium?
  • How much will you pay for services like hospital stays and doctor visits?
  • How much are you willing to spend on out-of-pocket costs?

 

When comparing plans, add up all the costs you're responsible for, including:

 

  • Monthly premium
  • Annual Part B deductible
  • Copayments (copays) and coinsurance, if applicable based on the plan you choose

Medicare Supplement Plan Information and Tools

UnitedHealthcare provides information and tools to make it easier to find the plan you need, and learn as much as possible before you choose.

Medicare Supplement Plans

Find out more about the benefits of AARP Medicare Supplement Insurance Plans from UnitedHealthcare.

More About Plan Benefits

View Plans and Pricing

Find Medicare Supplement plans in your area. You can even compare plans – side by side.

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Looking for the differences between Medicare Advantage and Medicare Supplement plans instead?

Comparing Medicare Advantage plans vs. Medicare Supplement plans  

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Find a Plan

Call Us

Call UnitedHealthcare at FED TFN, TTY 711 (toll-free)

 

Hours: 8 a.m. – 8 p.m.

7 days a week

Call UnitedHealthcare at MEDSUPP TFN, TTY 711 (toll-free)

 

Hours:

7 a.m. to 11 p.m. ET,

Monday – Friday

9 a.m. to 5 p.m. ET, Saturday

Meet with Us

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

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Get a Free Decision Guide

 

The Decision Guide provides you with information about AARP Medicare Supplement Plans.

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View Important Disclosures Below

 

AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company.

 

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. 

 

You must be an AARP member to enroll in an AARP Medicare Supplement Plan.

 

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).

 

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 SHOWN.

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