Tammy Burns is an experienced health insurance advisor specializing in Medicare and senior health issues, including Medicare Advantage Plans and prescription drug plans, as well as ACA certified for health insurance and other ancillary, life and annuity products.
Quick AARP Medicare Supplement plans review: AARP offers a wide selection of Medicare Supplement plans that are underwritten by UnitedHealthcare, the nation’s largest health insurance company and Medigap provider.
Formerly known as the American Association of Retired Persons, AARP has advocated for adults 50 and older since 1958. In addition to offering discounts and reward programs for seniors and retirees, it licenses its name to the UnitedHealthcare Insurance Company. With more than 4 million beneficiaries, UnitedHealthcare is the nation’s leading Medicare Supplement plan provider. The company underwrites AARP Medicare Supplement plans, Medicare Advantage plans, and Part D prescription drug benefits. Read on to learn more about AARP’s most popular Medicare Supplement plans.
Pros and Cons of AARP Medicare Supplement Plans
What we like about AARP Medicare Supplement plans:
- Competitive rates
- Comprehensive coverage
- Plans with low or no copays and deductibles
The drawbacks of AARP Medicare Supplement plans:
- Coverage provided by a third-party insurer
- Average customer satisfaction ratings
- Medical eligibility requirements
What Do AARP Medicare Supplement Plans Cover?
Also known as Medigap, AARP Medicare Supplement plans work with Original Medicare Parts A and B. They help beneficiaries reduce their out-of-pocket costs by lowering or eliminating copays, coinsurance payments, and deductibles. Coverage is valid at Medicare-participating doctors and hospitals across the United States even when traveling, and plans are guaranteed to be renewable as long as you continue to pay your premiums. Medicare Supplement policies are compatible with Part D plans that can lower your prescription drug costs.
AARP Medicare Supplement Plan Options
There are 10 universal Medigap policies known as plans A, B, C, D, F, G, K, L, M, and N, including standardized benefits and copay reductions. Plans C and F are only available to existing Medicare enrollees who became eligible for Medicare before 2020. New beneficiaries can sign up for a Medigap plan without restrictions during their seven-month initial enrollment period. Otherwise, insurers can base eligibility on your medical history. AARP Health Insurance offers six to eight Medicare Supplement plans in most geographic areas.
Regardless of which plan you choose, you’re responsible for paying your $203 Part B deductible for medical services and diagnostics. Medigap policies can reduce or eliminate your Part A hospital deductible, which can save you up to $1,484 per year. Some plans may pick up excess charges beyond Medicare-approved amounts, and they can limit your out-of-pocket expenses.
Learn more about some of the AARP Medicare Supplement plans that may be available in your area:
|Plan Name||Monthly premium†||Part A Hospital Deductible||Part B Medical Deductible||Member Responsibility for Excess Charges||Out-of-pocket maximum|
|Plan A||$97.90/$240.75||$1,484||$203||All costs||N/A|
|Plan B||$137.55/$338.25||$0||$203||All costs||N/A|
|Plan K||$57.18/$140.62||$742 (50%)||$203||All costs or 10%||$6,220‡|
|Plan L||$99.88/$245.62||$371 (25%)||$203||All costs or 5%||$3,110‡|
|Plan N||$116.51/$357.17||$0||$203||Up to $20 for office visits or up to $50 for ER care||N/A|
*Based on pricing in Denver, CO
†Rates are based on medical eligibility
ǂExcess charges don’t count toward your out-of-pocket maximum
AARP Medicare Supplement Plans Reviews and Ratings
AARP Medicare Supplement plans offer a good value according to customers. Plans typically offer affordable coverage with broad limits. Members appreciate the organization’s responsive customer service team, which received excellent ratings in the Gongos 2019 Medicare Supplement Insurance Plan Satisfaction Posted Questionnaire.
AARP Health Insurance has an A+ rating from the Better Business Bureau, with 51 complaints handled in the last 12 months and 215 complaints closed over the past three years.
While the National Committee for Quality Assurance doesn’t accredit Medicare Supplement providers, AARP Medicare Complete plans that are underwritten by UnitedHealthcare have average ratings for customer satisfaction, treatment, and disease prevention.
According to Consumer Affairs, AARP Health Insurance has a rating of 3.9 out of five stars based on 101 customer reviews. Customers appreciate the easy enrollment process despite occasional billing issues and say the plans are a good value.
Learn More From Our Sources
- AARP | Our History | Last accessed June 2021
- AARP Medicare Plans | Medicare Supplement Plans | Last accessed June 2021
- Medicare | How to Compare Medigap Policies | Last accessed June 2021
- Medicare | What’s Medicare Supplement Insurance (Medigap)? | Last accessed June 2021
- Medicare | Parts A and B Sign Up Periods | Last accessed June 2021
- AARP Medicare Supplement | Plan Comparison | Last accessed June 2021
- BBB | AARP Health Insurance | Last accessed June 2021
- National Committee for Quality Assurance | AARP | Last accessed June 2021
- Consumer Affairs | AARP Health | Last accessed June 2021