AARP United Healthcare Medicare Supplement plans help cover healthcare costs not paid by Original Medicare.
These plans, also called Medigap, fill gaps like copays and deductibles. They offer peace of mind for retirees seeking affordable care.
What Are AARP United Healthcare Medicare Supplement Plans?
AARP United Healthcare Medicare Supplement plans are private insurance policies. They work alongside Original Medicare (Parts A and B). These plans cover out-of-pocket costs like coinsurance and hospital expenses.
AARP endorses these plans, insured by UnitedHealthcare. They meet high standards for quality and service. Plans are available to AARP members aged 65 or older.
Who Can Enroll in These Plans?
You must be enrolled in Medicare Parts A and B. AARP membership is also required, costing $20 annually. Some plans are open to those under 65 with disabilities or End-Stage Renal Disease.
The best time to enroll is during the Medigap Open Enrollment Period. This starts the month you turn 65 and lasts six months. Enrolling then ensures no medical underwriting.
Benefits of AARP United Healthcare Medicare Supplement Plans
These plans cover costs Original Medicare doesn’t, like deductibles. Some plans include foreign travel emergency care. They allow you to see any Medicare-approved doctor nationwide.
Here’s a quick list of common benefits:
- Hospital coinsurance and extra days
- Part B coinsurance or copays
- Skilled nursing facility care
- Foreign travel emergencies (in some plans)
These benefits reduce financial stress for medical care.
Types of AARP United Healthcare Medicare Supplement Plans
AARP offers eight standardized Medigap plans: A, B, C, F, G, K, L, and N. Each plan offers different coverage levels. Plans C and F are only for those eligible for Medicare before 2020.
Plan G is popular, covering most out-of-pocket costs. Plan N offers lower premiums with copays for some services. Not all plans are available in every state.
Costs of AARP United Healthcare Medicare Supplement Plans
Premiums vary by plan, age, gender, and location. For example, Plan G premiums may be 17% higher than the cheapest options. Plan N premiums can be 29% higher than alternatives.
Here’s a table showing estimated monthly premiums for a 65-year-old female nonsmoker in 2025:
| Plan | Los Angeles | Atlanta | Dallas |
|---|---|---|---|
| Plan G | $150–$180 | $130–$160 | $120–$150 |
| Plan N | $110–$140 | $100–$130 | $90–$120 |
Premiums are subject to change based on location and other factors.
How to Enroll in AARP United Healthcare Medicare Supplement Plans
Enroll online at aarpmedicareplans.com or call UnitedHealthcare. You’ll need your Medicare and AARP membership details. A licensed agent can guide you through the process.
Applications outside the Open Enrollment Period may require medical underwriting. This could lead to higher premiums or denial. Enrolling early avoids these risks.
Medicare Supplement vs. Medicare Advantage
AARP United Healthcare Medicare Supplement plans work with Original Medicare. They don’t have networks, so you can see any Medicare-approved provider. Medicare Advantage plans, also offered by UnitedHealthcare, often use networks.
Medigap plans focus on out-of-pocket costs. Medicare Advantage may include extras like dental or vision. Your needs determine the better choice.
Additional Benefits with AARP Plans
AARP United Healthcare Medicare Supplement plans offer wellness extras. These include discounts on gym memberships and dental services. Some plans provide access to AARP’s Staying Sharp program for brain health.
Vision discounts through EyeMed are available. Hearing aid discounts and a free hearing test are also offered. These perks enhance overall health at no extra cost.
Plan G: A Popular Choice
Plan G is one of the most comprehensive options. It covers Part B excess charges and foreign travel emergencies. The Part A deductible is also included.
Premiums are higher but offer peace of mind. Many choose Plan G for its extensive coverage. It’s ideal for frequent travelers or those with higher medical needs.
Plan N: Budget-Friendly Option
Plan N has lower premiums than Plan G. You pay copays for doctor visits and emergency room visits. It still covers hospital care and foreign travel emergencies.
This plan suits those who want lower monthly costs. Copays are typically $20 for doctor visits. It’s a good balance of coverage and affordability.
Challenges of AARP United Healthcare Medicare Supplement Plans
Premiums can increase over time due to medical inflation. Some members report rises of 22–24% in recent years. This can strain budgets for retirees.
Not all doctors accept Medicare, which limits provider choices. Always check if your preferred doctor accepts Medicare. Comparing plans yearly helps manage costs.
How These Plans Support Retirees
AARP United Healthcare Medicare Supplement plans give retirees flexibility. You can visit any Medicare-approved provider without referrals. This is ideal for those who travel often.
The plans reduce unexpected medical costs. They also offer predictable expenses, helping with budgeting. Retirees can focus on health, not finances.
Enrolling Through Your Employer
Some retirees access these plans through former employers. Group plans may have different rates or benefits. Contact UnitedHealthcare for details on group coverage.
Employer plans often combine Medigap with Part D prescription plans. You must enroll in both if required. Always confirm eligibility with your employer.
The Role of AARP in Medicare Supplement Plans
AARP doesn’t insure these plans but endorses them. UnitedHealthcare pays royalty fees to AARP for its brand. This partnership ensures high-quality standards for members.
AARP’s endorsement means plans meet strict criteria. Members benefit from trusted guidance. UnitedHealthcare handles all insurance operations.
Why Choose AARP United Healthcare Medicare Supplement?
These plans are available in all 50 states and most territories. UnitedHealthcare covers about 4.3 million Medigap beneficiaries. Their market share is roughly 33.6%.
The plans offer flexibility and nationwide coverage. Complaint rates are lower than the industry average. This makes them a reliable choice for retirees.
The Enrollment Process Made Easy
Start by joining AARP if you’re not a member. Visit aarpmedicareplans.com to compare plans. Enter your ZIP code to see available options.
Speak with a licensed agent for personalized help. They’re available Monday to Friday, 7 a.m. to 11 p.m., and Saturday, 9 a.m. to 5 p.m. ET. Online tools simplify plan selection.
Planning for 2025 and Beyond
Premiums and benefits may change in 2025. Check UnitedHealthcare’s website for updates. Plan F rates, for example, may rise by $5–$32 monthly, depending on age and location.
Review your plan annually to ensure it fits your needs. Switching plans may require underwriting outside enrollment periods. Stay informed to avoid coverage gaps.
Summary
AARP United Healthcare Medicare Supplement plans help retirees manage healthcare costs. These Medigap plans cover expenses like copays and deductibles not paid by Original Medicare. Eight plans, like G and N, offer varying coverage and costs.
Enrollment requires AARP membership and Medicare Parts A and B. Premiums vary by location and plan, with added benefits like gym discounts. Despite rising premiums, these plans offer flexibility and reliability. They’re a top choice for retirees seeking comprehensive coverage.
FAQ
What are AARP United Healthcare Medicare Supplement plans?
These are Medigap plans insured by UnitedHealthcare, endorsed by AARP. They cover costs like copays and deductibles not paid by Original Medicare. You need AARP membership to enroll.
Who is eligible for these plans?
You must be enrolled in Medicare Parts A and B. AARP membership is required, costing $20 yearly. Some plans are available for those under 65 with disabilities.
How much do these plans cost?
Premiums vary by plan, age, gender, and location. For example, Plan G may cost $120–$180 monthly. Check UnitedHealthcare’s website for exact rates in your area.
What’s the difference between Plan G and Plan N?
Plan G covers more out-of-pocket costs with higher premiums. Plan N has lower premiums but includes copays for doctor visits. Both offer hospital and travel coverage.
How do I enroll in these plans?
Join AARP and visit aarpmedicareplans.com to compare plans. Enroll online or call a licensed agent. The Open Enrollment Period is the best time to apply.