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Explore AARP® Medicare Supplement Insurance Plans from UnitedHealthcare.
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Why choose a Medicare Supplement plan?
See how an AARP Medicare Supplement Insurance Plan insured by UnitedHealthcare puts you in control
94%
of active members renew their plan from year to year2
The biggest benefit is peace of mind
A Medicare Supplement plan puts the control right where it belongs - with you. Discover some of the features of Medicare Supplement plans.
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More than
4 million
insured members nationwide2
Even more reasons to choose an AARP Medicare Supplement Plan
Once you're enrolled in an AARP Medicare Supplement Plan, you'll get wellness extras like:5
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Providing coverage and building relationships for over 40 years2
In addition to the standard benefits of Medigap plans, an AARP Medicare Supplement Insurance Plan from UnitedHealthcare Insurance Company has many features that stand out.
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Get your free Medicare Supplement Insurance guide.
Learn more about how Medicare Supplement insurance works, coverage options, and when to apply.
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Medicare Supplement and Medicare Part D
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Find answers to some of your Medicare Supplement questions
Medicare Supplement insurance plans (also known as Medigap plans) are offered by private insurance companies to help pay some of the out-of-pocket costs that Original Medicare (which includes Part A and Part B) doesn't pay. Some plans pay most of your out-of-pocket costs, but have a higher monthly premium. Other plans pay fewerout-of-pocket costs, but have a lower monthly premium. Benefits and costs vary depending on the plan chosen.
No. A Medicare Supplement insurance plan works with Original Medicare, which includes Part A and Part B. It helps cover some of the out-of-pocket health care costs that Original Medicare doesn't pay for. For instance, Medicare Part B generally covers about 80% of Part B expenses. You're responsible for paying the rest. A Medicare Supplement insurance plan could help pay your share.
Your costs can include the following:
Monthly Premium
This is the fee you pay to the plan in exchange for coverage. Each Medicare Supplement insurance plan has a different monthly premium.
Deductible
This is the amount you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay. It's a pre-set, fixed cost. Most Medicare Supplement plans provide coverage for your Medicare Part A hospital deductible. In most cases, you're responsible for your Medicare Part B deductible.
Copay/Coinsurance
These are kinds of cost sharing. A copay is a set, flat amount paid each time, such as a $20 copay for each in-office doctor visit. Coinsurance requires you to pay a percentage of the Medicare-approved amount each time.
Out-of-Pocket Limit/Maximum
This is a maximum amount of out-of-pocket costs you pay per calendar year. Since Medicare Parts A & B don't have an out-of-pocket maximum, your out-of-pocket medical expenses could add up to hundreds or thousands per year. Medicare Supplement plans are designed to help cover some of these costs.
Your health needs and budget will help you decide which Medicare Supplement plan might be best for you.
Prefer to have more coverage and less out-of-pocket expenses?
If yes, then plans G, C6, or F6may be right for you. These plans typically have a higher premium and offer the most supplemental coverage, paying up to 100% of your out-of-pocket costs for many Medicare-approved services (depending on the plan).
Prefer to have a lower monthly premium with out-of-pocket expenses based on your needs?
If yes, then explore other Medicare Supplement plan options that may be right for you.
You can apply for a Medicare Supplement insurance plan any time during the year.7 The best time to enroll is during your Open Enrollment period. The Medicare Supplement Open Enrollment period is the six-month period that starts the first day of themonth in which you are age 65 or older and enrolled in Medicare Part B. Some states may have additional open enrollmentperiods, including those for people under 65, and there may be other situations in which your acceptance may be guaranteed.
There are two different ways to apply for a plan: online or by phone. Choose the option that works for you.
Online
You can apply for an AARP Medicare Supplement Plan online. It's easy, secure, and available anytime. To begin, enter your ZIP code.
Over the Phone
Call FED TFN/ TTY 711, Monday to Friday, 7 a.m. to 11 p.m., and Saturday, 9 a.m. to 5 p.m. ET. Friendly licensed insurance agents/producers are here to help, so you can enjoy the lifelong benefits of a Medicare Supplement insurance plan.4
Still have questions?
CallDynamic TFN/ TTY 711 to speak with a licensed agent
Monday to Friday, 7 a.m. to 11 p.m.,
andSaturday, 9 a.m. to 5 p.m. ET.
Important Information
1 From a report prepared for UnitedHealthcare by Mark Farrah Associates "December 2022 Medigap Enrollment & Market Share," June 2023, www.uhcmedsupstats.com or call to request a copy of the full report.
2 From a report prepared for UnitedHealthcare by Human8, “Substantiation of Advertising Claims concerning AARP Medicare Supplement Insurance Plans,” June 2023, www.uhcmedsupstats.com or call 1-877-629-1893 to request a copy of the full report.
3 These features come with any standardized Medicare supplement insurance plan. The doctor or specialist must accept Medicare patients.
4As long as you pay your premium when due and you have made no material misrepresentations when you apply for this plan.
5 These offers are only available to insured members covered under an AARP Medicare Supplement Plan from UnitedHealthcare Insurance Company. These areadditional insured member services apart from the AARP Medicare Supplement Plan benefits, are not insurance programs, are subject to geographical availability andmay be discontinued at any time. Certain offerings are provided by third parties not affiliated with UnitedHealthcare Insurance Company. None of these services are asubstitute for the advice of a doctor or should be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room.
6Only applicants first eligible for Medicare before 2020 can apply for Plans C and F.
7If 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.
Scroll for Important Disclaimers
AARP endorses the AARP Medicare Supplement Insurance Plans. Insurers of the Plans pay royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
You must be an AARP member to enroll in an AARP Medicare Supplement Plan.
AARP Medicare Supplement Plans are insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103. Policy Form No. GRP 79171 GPS-1 (G-36000-4).
In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER SHOWN.
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