AARP Medicare Supplement Plans
AARP Medicare Supplement Plans protect both your health and your bank account from high out-of-pocket medical costs.
This popular organization offers almost every Medigap option and are relatively competitive across the board. Below we take a closer look at what AARP has to offer.
Why purchase Medicare Supplemental Insurance?
Although Orignal Medicare provides excellent health insurance coverage, it’s far from perfect. If you’re new to Medicare, you may be surprised to learn about the out-of-pocket costs that come with all Medicare-covered services. Looming within Medicare are copays, coinsurance, and multiple deductibles that can lead to high out-of-pocket medical costs.
Medicare Supplement Insurance fills the financial gaps existing within your benefits to reduce or eliminate out-of-pocket expenses. Currently, over 80% of all Medicare beneficiaries own some form of supplemental insurance.
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|AARP||Medicare Supplement Insurance|
|Underwriting Company||United Health Insurance Company|
|Medigap Plans Offered||A – B – C – D – F – G -L – K – N|
|Ratings||AM Best: A+ * Moody’s: A1 * Fitch: AA-|
Personalized Medicare Supplement Quotes
United HealthCare Issues All AARP Medicare Supplement Insurance Plans
In case you didn’t know, AARP is not an insurance company.
AARP (American Association of Retired Persons) is a non-profit membership organization that provides benefits to members in the form of travel, entertainment, & dining discounts.
This membership organization offers life, health, auto, and Medicare supplement insurance products to its members through partnerships with third-party insurance carriers.
United Healthcare Insurance Company issues and underwrites all AARP Medicare Supplement Insurance plans.
Do AARP Members Receive Discounts on Medigap Policies?
AARP provides two ways to get a discount on your Medigap policy.
- Multiple policy discount: If you purchase multiple policies for the same household, you may be eligible for discounted rates.
- Enrollment Window Discount: AARP also offers a discount if you purchase your policy within so many weeks of becoming an member.
The truth about your discount: AARP cleverly markets its insurance offerings. The truth is that most insurance providers offer similar discounts, not just AARP. Therefore, non-AARP members can qualify for discounted rates with other insurance providers.
Review of AARP Medicare Supplement Insurance Plans
There are ten Medicare supplement plans. Each plan covers a different set of gaps within your Medicare coverage. The insurance providers that sell these plans chose which options they offer. Most companies only offer 2-4 options. AARP stands out among the sea of competition by offering nine of the ten possible choices. The only option they do not provide is Medicare Supplement Plan M.
Medicare Supplement Options From AARP
AARP Medigap Plan A
- Medicare Plan A is the most basic of all ten supplement plans. It covers your Medicare Part B 20% coinsurance, which is the most significant gap in Medicare.
AARP Medigap Plan B
- Medicare Plan B covers two financial gaps, your Part B coinsurance and your Medicare Part A deductible of $1,364.
AARP Medigap Plan C
- Medicare Plan C covers three gaps in Medicare, your Part B coinsurance, Part A deductible, and Skilled Nursing coinsurance.
AARP Medigap Plan D
- Medicare Plan D covers four financial gaps, your Part B coinsurance, Part A deductible, Skilled Nursing Coinsurance, and 80% of Foreign Travel Medical care. If you’re planning on traveling abroad in the upcoming year, it’s vital to get this gap covered. Failing to do so could lead to catastrophic expenses if you need medical care while traveling out-of-country.
AARP Medigap Plan F
- Medicare Plan F is the most popular medicare supplement plan and has been for many years. Plan F covers all the gaps in Medicare and ensures that you never pay out-of-pocket for Medicare-covered services. As of 2020, Medicare discontinued Plan F for all individuals new to Medicare. Only those already enrolled in Medigap can continue to purchase Plan F.
AARP Medigap Plan G
- Medicare Plan G is the second most popular Medigap policy. It covers all the gaps in Medicare expect for your Part B annual deductible of $185. Plan G is likely the lowest cost option for comprehensive coverage.
AARP Medigap Plan K
- Medicare Plan K is a cost-sharing plan that contributes 50% on all your out-of-pocket expenses. Cost-sharing plans are less popular than other options; however, they are an excellent option for specific individuals. Plan K protects you with an out-of-pocket limit of $5,560. Only Plan K and Plan L set out of pocket limits.
AARP Medigap Plan L
- Medicare Plan L is the second cost-sharing supplement option. It contributes 75% for all your out-of-pocket Medicare costs. The out-of-pocket limit for this policy is $2,780.
AARP Medigap Plan N
- Medicare Plan N is the third most popular supplement plan available. This plan covers all the gaps in Medicare except for your Part B deductible and any Part B excess charges. Plan N offers low premiums in exchange for paying a small deductible ($20) for office visits.
AARP Medigap Rates
United Healthcare Medigap rates are competitive; however, they are not always the cheapest. If you’re shopping on a budget, it’s essential to take the time to compare Medicare supplement companies side by side before making a policy purchase.
The problem with buying Medicare Supplement Insurance from AARP is that you’re only shopping rates from one insurance provider. Insurance companies compete with each other by catering to different subgroups of the population. Therefore, there is no single best insurance carrier. Instead, consumers need to shop the top carriers to find which carrier can offer them their best price.
AARP Customer Service
Customer service is something to consider when shopping for any financial product. AARP has top-rated customer service and many positive reviews from current members. The way they treat their members is a significant reason for the success of the organization. However, keep in mind that United Healthcare issues all AARP Medicare Supplement plans. If you were to have an issue with your policy, you’d be dealing with United Healthcare, not AARP.
Our Opinion on AARP Medicare Supplement Plans
AARP is a great company. We love the causes they support and the benefits they provide to members. However, the health insurance market is incredibly competitive, and it would be a mistake to assume that they are automatically your best option just because you’re a member.
We strongly suggest exploring other top providers before moving forward with your purchase. Our agency is here to help you do just that.
With one simple quote, we help you compare AARP Medicare Supplement Insurnace rates with top competitors. We’ll help you compare policy details and make sure you get the best policy for your health and your budget.
Our services are free. And there’s never any obligation when speaking with an agent — just friendly advice from a knowledgable Medicare expert.
Thousands of individuals have chosen us to help them customize their Medicare coverage. See what we can do for you.
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