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.^
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.
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.
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. (This does not apply to residents of Connecticut where guaranteed issue is ongoing and Medicare supplement plans are guaranteed available.)