Comparing Medicare Supplement Insurance Plans

 

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.

The Medicare Supplement plans that are available to you depend on the state in which you live. 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.

Shop plans in your area

 

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

Medicare Supplement (Medigap) Plan Comparison

Only applicants first eligible for Medicare before 2020 may purchase Plans C and F. A checkmark indicates the benefit is paid at 100%.

Plans available to all applicants Medicare first eligbile before 2020 only
Benefits Plan A Plan B Plan G Plan K Plan L Plan N Plan C Plan F

Part A Coinsurance and hospital coverage

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

100% Covered

100% Covered

100% Covered

100% Covered

100% Covered

100% Covered

100% Covered

100% Covered

Part B coinsurance or copayment

100% Covered

100% Covered

100% Covered

50%

75%

100% Covered1

100% Covered

100% Covered

Blood

(first 3 pints, per year)

100% Covered

100% Covered

100% Covered

50%

75%

100% Covered

100% Covered

100% Covered

Part A Hospice coinsurance or copayment

100% Covered

100% Covered

100% Covered

50%

75%

100% Covered

100% Covered

100% Covered

Skilled nursing facility care coinsurance

100% Covered

50%

75%

100% Covered

100% Covered

100% Covered

Part A deductible

100% Covered

100% Covered

50%

75%

100% Covered

100% Covered

100% Covered

Part B annual deductible

100% Covered

100% Covered

Part B excess charges

100% Covered

100% Covered

Foreign Travel Emergency Care2

(up to plan limits)

100% Covered

100% Covered

100% Covered

100% Covered

Out-of-Pocket Limit in 20203

$5,880

$2,940

1 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don't result in an inpatient admission.

2 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.

3 Plans K and L pay 100% of covered services for the rest of the calendar year once you meet your out-of-pocket yearly limit.

Benefits and costs vary depending on the plan chosen.

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.

Plans A and B: Lower Benefits, Higher Out-of-Pocket


Medicare Supplement Plan A offers just the Basic Benefits while Plan B covers Basic Benefits plus a benefit for the Medicare Part A deductible. The Medicare Part A deductible could be one of your largest out-of-pocket expenses if you need to spend time in a hospital. Plans A and B generally have higher out-of-pocket costs for things like Skilled Nursing Facility Coinsurance, Medicare Part B Excess Charges, and Foreign Travel Emergency Care.

Plans C1, F1 and G: Higher Benefit Level, Higher Premium


Plans C, F and G offer the most supplemental coverage, paying many of your out-of-pocket costs for Medicare-approved services. Consider one of these plans 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.

1 You may only apply for plans C and F if you were first eligible for Medicare before 2020.

Plans K and L: Lower Premium, Cost Sharing


Plans K and L are cost-sharing plans offering lower monthly premiums. The premiums are typically lower because, for some services, they pay a percentage of the coinsurance instead of the full coinsurance amount. Once the out-of-pocket limit is reached, these plans pay 100% of covered services for the rest of the calendar year.

Plan N: Copay Structure, Mid-Range Premium


Plan N covers the Medicare Part B coinsurance, but you pay copayments for covered doctor office and emergency room visits in exchange for a monthly premium that tends to be more mid-range.

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.

View Plans and Pricing

 

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

Find a Plan

Call Us

Call UnitedHealthcare at {{tfn}}, TTY 711 (toll-free)

 

Hours: 8 a.m. – 8 p.m.

7 days a week

Call UnitedHealthcare at {{tfnMedSupp}}, TTY 711 (toll-free)

 

Hours:

7AM to 11PM ET,

Monday – Friday

9AM to 5PM ET, Saturday

Meet with Us

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

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).

 

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.

WB27141ST