AARP/UnitedHealthcare Medicare Supplement (Medigap) Review
- Our AARP/UnitedHealthcare Medicare Supplement (Medigap) plans review explores AARP Medicare Supplement Insurance plan costs, what they cover, how they compare to other insurance companies, customer reviews and more.
UnitedHealthcare sells Medicare Supplement Insurance (also called Medigap plans) through a partnership with AARP.
In this AARP/UnitedHealthcare Medicare Supplement review, we detail the company’s Medigap plan selection, availability, costs, customer reviews, industry rankings and more.
Why Does AARP Recommend UnitedHealthcare?
AARP has partnered with UnitedHealthcare since 1997 on several initiatives designed to improve consumer experiences and health outcomes. The senior-focused interest group has sold various types of Medicare plans through UnitedHealthcare for nearly as long.
Today, UnitedHealthcare is the exclusive provider of AARP Medicare Supplement plans.
UnitedHealthcare is among the largest health insurance providers and is one of the biggest Medicare Supplement Insurance companies in the U.S.
How Many Medicare Supplement Plans Does UnitedHealthcare Sell?
There are 10 different Medicare Supplement plans available in most states. Nine of them may be purchased through the AARP/UnitedHealthcare partnership in certain areas, though plan availability may vary.
In most parts of the country, UnitedHealthcare sells AARP Medigap Plans A, B, C, D, F, G, K, L and N. The only plan not sold by AARP/UnitedHealthcare is plan M.
It’s worth noting that Plan C and Plan F are only available to beneficiaries who became eligible for Medicare before January 1, 2020. If you were eligible for Medicare before 2020, you may be able to enroll in Plan F or Plan C if they’re offered where you live, and you can keep either plan if you’re already enrolled in them.
| Medicare Supplement Benefits | A | B | C1 | D | F1 | G | K | L | M | N |
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance or copayment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| First 3 pints of blood | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Part A hospice care co-insurance or co-payment | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ |
| Co-insurance for skilled nursing facility | ✓ | ✓ | ✓ | ✓ | 50% | 75% | ✓ | ✓ | ||
| Medicare Part A deductible | ✓ | ✓ | ✓ | ✓ | ✓ | 50% | 75% | 50% | ✓ | |
| Medicare Part B deductible | ✓ | ✓ | ||||||||
| Medicare Part B excess charges | ✓ | ✓ | ||||||||
| Foreign travel emergency | 80% | 80% | 80% | 80% | 80% | 80% | ||||
| 1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020. 3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024. 4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission. View an image version of this table. |
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Where Is AARP/UnitedHealthcare Medicare Supplement Sold?
AARP/UnitedHealthcare Medigap plans are available in parts of all 50 states and the District of Columbia, giving AARP/UnitedHealthcare a slight edge over many other Medicare Supplement companies.
What Is the Monthly Premium for AARP Medicare Supplement Plans?
Several things can affect the cost of a Medicare Supplement plan, and AARP/UnitedHealthcare premiums may be affected by age, gender, location and more.
Enrollment in an AARP/UnitedHealthcare plan requires an active AARP membership. AARP membership costs $16 per year.
In some areas, AARP/UnitedHealthcare may offer a discount to Medicare Supplement plan members who pay their monthly premiums electronically or through direct withdrawal.
Does AARP/UnitedHealthcare Offer Additional Benefits to Medicare Supplement Customers?
Medicare Supplement benefits are standardized by the government, but that doesn’t stop carriers from including some extra perks for their members.
Some AARP/UnitedHealthcare Medigap enrollees may choose to enjoy a gym membership at no additional cost along as an optional benefit of their Medigap plan. AARP and UnitedHealthcare offer plan beneficiaries a membership to Renew Active, which is UnitedHealthcare’s senior fitness and wellness program.
Some plans may also include discounts on vision, dental and hearing care, and members also have access to a 24/7 nurse hotline where a registered nurse may be reached to discuss symptoms, plan details or community health resources.
What Is the Rating for AARP/UnitedHealthcare?
UnitedHealthcare has strong financial ratings from the industry’s leading credit agencies.
- A.M. Best (A)
- Fitch Ratings (A)
- S&P Global (A+)
- Moody’s (A2)
From a customer satisfaction perspective, the National Association of Insurance Commissioners (NAIC) reports that UnitedHealthcare Medigap members file complaints at a rate that is far less than the industry average, suggesting a high level of overall customer satisfaction.
What Insurance Company Has the Best Medicare Plans?
When comparing which insurance company has the best Medicare Supplement plans for your needs, three main factors to consider include:
- Cost
- Plan coverage
- Plan availability
Is UnitedHealthcare a Good Medicare Supplement Insurance Company?
AARP and UnitedHealthcare sell a wide variety of plans all over the U.S., and they maintain strong financial ratings and customer satisfaction. An AARP membership is required for enrollment.
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