AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare
Medicare Supplement Insurance Plans help cover some of your out-of-pocket expenses that Medicare doesn't pay.
While Medicare Parts A and B (also called "Original Medicare") cover some health care costs, they don't pay for everything. That's where an AARP Medicare Supplement Insurance Plan, insured by UnitedHealthcare Insurance Company, may help. Medicare Supplement Insurance Plans (also called "Medigap") from private insurers complement your Original Medicare coverage.
Medicare Supplement Plan (Medigap) Benefits
Medicare supplement insurance plan (Medigap) benefits are standardized and set by the federal government. That means the basic benefit structure for each plan is exactly the same, no matter which insurance company is selling it to you. Some plan features are:
- A choice of plans to meet your needs and budget—now and in the future.
- You're able to keep your own doctor without network restrictions, as long as they accept Medicare patients.
- Coverage goes with you when you travel in the U.S.
- You are guaranteed coverage for life.*
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. - You may visit any specialist who accepts Medicare patients without a referral.
What is Medicare Supplement Insurance?
*As long as you pay your premiums when due and you do not make any material misrepresentation when you apply for this plan.
Why AARP Medicare Supplement Insurance Plans?
UnitedHealthcare is the exclusive insurer of AARP Medicare Supplement Insurance Plans. These are the only insurance plans of their kind endorsed by AARP.** Plus...
- Any product or service that carries the AARP name has been carefully evaluated. It's been selected as one that meets the high service and real quality standards of AARP.**
- UnitedHealthcare and affiliates cover more people with Medicare supplement plans nationwide than any other individual insurance carrier.^
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What are the AARP Medicare Supplement plan options available?
There are a number of things to think about when you're looking at Medicare supplement plans. Consider how much you'll pay for services, like hospital stays or doctor visits, and how much you're willing to spend on your monthly plan premium and out-of-pocket costs.
Benefits and costs vary depending on the plan chosen.
Note: In Massachusetts, Minnesota and Wisconsin, there are different standardized plan options available.
Only applicants first eligible for Medicare before 2020 may purchase Plans C and F.
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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 have lower monthly premiums with higher out-of-pocket costs for things like Skilled Nursing Facility Coinsurance, Medicare Part B Excess Charges, and Foreign Travel Emergency Care. |
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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 higher monthly premium in exchange for more covered benefits and lower out-of-pocket costs. 1Note: 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 lower because 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) |
Plan N covers the Medicare Part B coinsurance but you pay copayments for covered doctor office and emergency room visits in exchange for a mid-range monthly premium. |
What are the AARP Medicare Supplement plan options available?
There are a number of things to think about when you're looking at Medicare supplement plans. Consider how much you'll pay for services, like hospital stays or doctor visits, and how much you're willing to spend on your monthly plan premium and out-of-pocket costs.
Benefits and costs vary depending on the plan chosen.
Basic Plan: Lower Benefits, Higher Out-of-Pocket, and optional riders |
Medicare Supplement Basic Plan offers just the Basic Benefits. It helps pay Medicare's Parts A and B co-insurance, hospice care, skilled nursing facility care, and foreign travel medical emergency care. You also have the option to purchase additional coverage called a rider. A rider will help cover costs not covered under your basic plan. In Minnesota these riders are only available if you have purchased the Basic Plan. Optional Rider 1 – Benefits for Part A Deductible, Part B Excess Charges, and Preventive Care. Optional Rider 2 – Benefits for Part B Annual Deductible. Coverage for the Part B Deductible is only available if you were first eligible for Medicare prior to January 1, 2020. Optional Rider 3 – Benefit for Part A Deductible. Optional Rider 4 – Benefits for Part B Excess Charges. Optional Rider 5 – Benefits for Preventive Care. Note: If you want all of the benefits in Riders 3, 4 and 5, Rider 1 alone provides all of the same benefits. |
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Extended Basic Plan: Higher Benefit Level, Higher Premium |
Extended Basic Plan provides the same benefits listed for the Basic Plan, plus benefits for:
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When can I apply for a Medicare supplement (Medigap) plan?
Once you're enrolled in Medicare Parts A and B, you can apply for a Medicare supplement insurance plan at any time.2 Your acceptance is guaranteed if you apply during your Medigap Open Enrollment Period. This 6-month period begins on the first day of the month in which you're both:
- At least age 65 or older, and
- Enrolled in Medicare Part B.
There may be other situations in which you may be guaranteed acceptance.
It helps to understand your health care needs and how you will use a Medicare supplement insurance plan. That will make it easier to choose a plan with the right cost and benefit structure for you.
2If you choose to apply outside of your Medicare supplement Open Enrollment period or a Guaranteed Issue period, you may be underwritten and not accepted into the plan.[[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,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NY,NC,ND,OH,OK,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY]] (This does not apply to residents of Connecticut where guaranteed issue is ongoing and Medicare supplement plans are guaranteed available.) [[state-end]]