AARP Medicare Supplement Review

Fact Checked
Reviewed by: Kelly Blackwell, Certified Senior Advisor®
Updated: January 14, 2022

Does AARP have good Medicare Supplement plans? See ratings and learn what AARP covers.

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Tammy Burns
Medicare advisor and nursing consultant
Tammy Burns
Medicare advisor and nursing consultant

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.

A.M. Best financial strength rating: A BBB rating: A+  Consumer Affairs rating: 4

Quick AARP Medicare Supplement plans review: AARP offers a wide selection of Medicare Supplement Insurance (Medigap) 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: The drawbacks of AARP Medicare Supplement plans:
  • Competitive rates
  • Comprehensive coverage
  • Plans with low or no copays and deductibles
  • Handles claims and billing for you
  • 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.

Once you are an AARP Medicare Supplement plan member, the following services and discounts are included:

  • Gym membership
  • 24/7 nurse line
  • Hearing discount through HearUSA providers
  • Vision discount through EyeMed
  • Dental discount through Dentegra
  • AARP Staying Sharp brain health program
  • AARP Smart Driver Course

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 (in 2021) 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 benefit period. 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 G $127.33/$386.18 $0 $203 $0 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.

Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See how AM Best, the Better Business Bureau and more rate AARP Medicare Supplement plans.

A.M. Best financial strength rating: A A.M. Best is a credit rating agency that specializes in the insurance industry.

An A rating in this category indicates that A.M. Best believes AARP Medicare Supplement Insurance company has an excellent ability to meet its ongoing insurance obligations.

BBB rating: A+ AARP has an A+ rating from theBetter Business Bureau with 51 complaints handled in the last 12 months and 215 complaints closed over the past three years.
Consumer Affairs rating: 3.9 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.

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