AARP supplemental health insurance, also known as Medigap, helps cover costs that Original Medicare doesn’t. Offered through UnitedHealthcare, these plans benefit AARP members aged 50 and older.
This article explains AARP supplemental health insurance in simple terms. You’ll learn about its plans, benefits, costs, and how to choose the right coverage.
What Is AARP Supplemental Health Insurance?
AARP supplemental health insurance fills gaps in Original Medicare (Parts A and B). It covers costs like copayments, coinsurance, and deductibles. These plans, branded by AARP and provided by UnitedHealthcare, are designed for members. They offer reliable coverage for seniors seeking financial protection.
AARP is not an insurance company but partners with UnitedHealthcare. This partnership ensures quality plans tailored for older adults. Membership in AARP is required to access these benefits.
Types of AARP Supplemental Health Insurance Plans
AARP supplemental health insurance offers standardized Medigap plans labeled A through N. Each plan covers different costs, allowing flexibility based on your needs. Here’s an overview of the main options.
Medigap Plan Options
Medigap plans are standardized across most states, ensuring consistent benefits. AARP offers plans like A, F, G, and N, with varying coverage levels. For example, Plan F covers all Medicare-approved costs, while Plan G covers most but excludes Part B deductibles.
Plan availability and costs vary by state and zip code. You can compare plans on the AARP Medicare Plans website.
High-Deductible Plans
High-deductible versions of Plans F and G are available. These have lower premiums but require you to pay a higher deductible before coverage starts. They suit healthy individuals who want lower monthly costs.
In 2025, the high-deductible amount is $2,800. Once met, the plan covers eligible costs fully.
Prescription Drug Coverage
AARP supplemental health insurance does not cover prescription drugs. For drug coverage, you need a separate Medicare Part D plan. AARP offers Part D plans through UnitedHealthcare, which can complement Medigap.
Check Part D plans for formularies that match your medications. This ensures comprehensive coverage.
Key Benefits of AARP Supplemental Health Insurance
AARP supplemental health insurance offers valuable benefits for Medicare beneficiaries. These enhance financial security and care access. Here are some key advantages.
- Predictable Costs: Medigap covers out-of-pocket expenses, reducing unexpected medical bills.
- Nationwide Coverage: Plans are accepted by any provider that takes Medicare, offering flexibility.
- Perks for Members: AARP members get discounts on eyewear, hearing aids, and gym memberships.
- 24/7 Nurse Line: Access to a nurse helpline for health advice adds convenience.
How to Choose the Right AARP Medigap Plan
Selecting the right AARP supplemental health insurance plan requires careful consideration. Your health needs, budget, and lifestyle are key factors. Here are steps to guide your decision.
Assess Your Health Needs
Consider your current health and medical history. If you visit doctors often or have chronic conditions, choose a plan with comprehensive coverage, like Plan F or G. Healthy individuals may prefer plans with lower premiums, like Plan N.
List your healthcare priorities, such as hospital stays or specialist visits. This helps narrow down options.
Compare Plan Costs
AARP Medigap plans vary in premiums, deductibles, and out-of-pocket costs. Premiums depend on your age, location, and plan type. Plans with more coverage, like Plan F, have higher premiums.
Use the AARP Medicare Plans website to compare costs. Factor in your budget and potential medical expenses.
Check Provider Flexibility
AARP supplemental health insurance works with any Medicare-accepting provider. This gives you freedom to choose doctors and hospitals nationwide. Verify that your preferred providers accept Medicare.
If you travel often, Medigap’s nationwide coverage ensures care access anywhere. Always confirm provider eligibility before appointments.
Review Additional Perks
AARP membership includes extras like discounts on wellness products and services. Some plans offer access to fitness programs like SilverSneakers. Check which perks align with your lifestyle.
For example, eyewear discounts are useful if you need glasses. These benefits add value to your plan.
Understanding AARP Supplemental Health Insurance Costs
Understanding the costs of AARP supplemental health insurance is essential. Costs include premiums, deductibles, and potential out-of-pocket expenses. Here’s a clear breakdown.
Premiums
Premiums are monthly payments for your Medigap plan. They vary by plan type, age, and location. AARP’s rates are competitive, and premiums don’t increase with age in some cases.
In 2025, average monthly premiums range from $100 to $300, depending on the plan. Subsidies are not available for Medigap.
Deductibles
Some plans, like Plan G, require you to pay the Medicare Part B deductible ($240 in 2025). High-deductible plans have a separate deductible, set at $2,800 in 2025. After meeting deductibles, the plan covers eligible costs.
Check your plan’s deductible to understand upfront costs. This affects your total expenses.
Copays and Coinsurance
AARP supplemental health insurance covers most Medicare copays and coinsurance. For example, Plan G covers 100% of hospital coinsurance after the Part B deductible. Plans like N may require small copays for doctor visits.
Review your plan’s coverage details. This clarifies your share of costs.
Out-of-Pocket Costs
Medigap plans reduce out-of-pocket costs compared to Original Medicare alone. Once deductibles are met, most plans cover remaining Medicare-approved expenses. High-deductible plans require more upfront payments but have lower premiums.
Check your plan’s out-of-pocket structure. This ensures financial predictability.
| Cost Type | Description | Example |
|---|---|---|
| Premium | Monthly fee to maintain your Medigap plan. | $150/month for Plan G |
| Deductible | Amount you pay before plan covers costs. | $240/year (Part B, 2025) |
| Copay | Fixed fee for services, if applicable. | $20 per doctor visit (Plan N) |
| Coinsurance | Percentage of costs covered after deductible. | 100% hospital coinsurance |
| Out-of-Pocket Costs | Costs not covered by Medicare or Medigap. | Varies by plan and usage |
How to Enroll in AARP Supplemental Health Insurance
Enrolling in AARP supplemental health insurance is straightforward. You can sign up online, by phone, or through an agent. Here’s how it works.
Medicare Enrollment First
You must be enrolled in Original Medicare (Parts A and B) to get AARP supplemental health insurance. Enroll in Medicare three months before or after your 65th birthday. Contact Social Security at (800) 772-1213 to start.
Once enrolled in Medicare, you’re eligible for Medigap. AARP plans require an AARP membership ($16/year).
Open Enrollment Period
The best time to enroll in Medigap is during your six-month Medigap Open Enrollment Period. This starts the month you turn 65 and enroll in Part B. During this period, insurers can’t deny coverage or charge more based on health.
Enroll early to secure the best rates. Missing this period may limit options or increase costs.
Enrollment Process
Apply for AARP supplemental health insurance through www.aarpmedicareplans.com or by calling (800) 272-2146. You’ll need your Medicare number and AARP membership details. Licensed agents can guide you through plan selection.
Complete the application with accurate health and personal information. This ensures smooth processing.
Tips for Using AARP Supplemental Health Insurance
Maximize your AARP supplemental health insurance with these practical tips. They help you save money and get the most from your coverage.
Choose Medicare-Approved Providers
Use doctors and hospitals that accept Medicare to ensure coverage. AARP Medigap plans work nationwide with Medicare providers. Check provider status before scheduling appointments.
This avoids uncovered costs. Confirm with your provider or Medicare if unsure.
Utilize Preventive Care
Original Medicare covers preventive services like screenings and vaccines at no cost. AARP supplemental health insurance enhances this by covering related copays. Schedule annual checkups to stay healthy.
Review Medicare’s preventive service list. Book appointments early in the year.
Leverage AARP Perks
AARP membership offers discounts on health-related products and services. Access fitness programs, hearing aid discounts, and a 24/7 nurse line. Log in to your AARP account to explore these benefits.
Use these perks to enhance your health and save money. They’re included with membership.
Manage Your Plan Online
AARP’s online portal lets you track claims, view benefits, and manage payments. Keep your account updated for easy access. The portal also offers tools to compare plans and costs.
Use the portal to stay informed. It simplifies plan management.
Common Misconceptions About AARP Supplemental Health Insurance
Some myths about AARP supplemental health insurance can cause confusion. Here’s the truth behind a few common ones.
It Covers All Healthcare Costs
AARP Medigap plans cover many costs but not long-term care, vision, or dental. You need separate plans for these services. Always review your plan’s coverage details.
For prescription drugs, enroll in a Part D plan. This ensures comprehensive care.
It’s Only for AARP Members
AARP supplemental health insurance requires AARP membership, which costs $16 annually. Anyone 50 or older can join, even non-retirees. Membership unlocks access to vetted plans.
Join AARP to access these plans. The cost is minimal for the benefits.
It’s Too Complicated to Enroll
Enrollment is user-friendly with online tools and agent support. AARP and UnitedHealthcare provide clear guidance. The process is designed for ease, especially during Open Enrollment.
Use www.aarpmedicareplans.com for a smooth experience. Help is always available.
Summary
AARP supplemental health insurance, offered through UnitedHealthcare, enhances Original Medicare by covering copays, coinsurance, and deductibles. Plans like A, F, G, and N cater to different needs, with competitive rates and nationwide coverage.
Benefits include predictable costs, AARP member perks, and access to a 24/7 nurse line. By assessing your health, comparing costs, and enrolling during the Open Enrollment Period, you can secure reliable coverage. Online tools and support make the process simple and accessible.
FAQ
What is AARP supplemental health insurance?
AARP supplemental health insurance, or Medigap, covers costs like copays and deductibles not paid by Original Medicare. Offered through UnitedHealthcare, it requires AARP membership. Plans vary by coverage and cost.
Who is eligible for AARP Medigap plans?
You must be enrolled in Medicare Parts A and B and be an AARP member. Membership is open to anyone 50 or older. Enroll during your Medigap Open Enrollment Period for best rates.
Does AARP supplemental health insurance cover prescription drugs?
No, Medigap plans don’t cover prescription drugs. You need a separate Medicare Part D plan for drug coverage. AARP offers Part D plans through UnitedHealthcare.
How do I enroll in AARP supplemental health insurance?
Enroll online at www.aarpmedicareplans.com, by calling (800) 272-2146, or through an agent. You’ll need Medicare and AARP membership details. The Open Enrollment Period is the best time to sign up.
What are the benefits of AARP membership with Medigap?
Membership includes discounts on eyewear, hearing aids, and fitness programs. You also get access to a 24/7 nurse line. These perks add value to your Medigap plan.