Aarp Medicare Supplemental Insurance Plans - AARP Medicare Supplement Insurance provides strong coverage at a good price. Average costs vary, and in addition to standard benefits, plans offer discounted access to vision, dental, hearing, fitness and more.
AARP/UnitedHealthcare Medicare Supplemental Insurance Plans (also known as Medigap) are a good choice for most people. The customer service rating is not as strong as some other companies. However, the wide variety of policies makes it easy to choose the plan that's right for you, and being approved by AARP can give you peace of mind.
Aarp Medicare Supplemental Insurance Plans
These are the best Medicare Supplement plans available and also the most popular plans, with about 32% of Medicare Supplement subscribers having an AARP/UnitedHealthcare plan.
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Policyholders must be AARP members, and if you're not already a member, you can join during the insurance application process. Membership costs are minimal at just $16 per year.
The cost of AARP Medigap insurance varies widely, ranging from about $60 to $300 per month. Getting a quote based on your situation can help you understand whether an AARP policy is the best deal for you.
Despite the wide price differences, AARP Medicare Supplement plans are generally good value. For example, a 65-year-old may pay a little more for an AARP Medigap plan, but slower price increases based on age may mean that those in their 80s and 90s have the cheapest plan. This reduces lifetime expenses.
For those who want a discount on insurance, AARP Medigap offers low-cost alternatives that limit certain coverage to in-network facilities and providers. These plans can save you $200 to $250 a year on insurance costs, and because of UnitedHealthcare's large provider network, there may not be a significant impact on access to health care.
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Additional plans vary greatly in cost. This is largely due to differences in pricing regulations from state to state.
Eight states prohibit cost increases based on age or health. Most other states may increase monthly costs as you get older. And there are three states that do not follow standard Medigap plans and have their own style of plans and pricing.
Below are the average costs of an AARP Medicare supplement in each of these three categories. 1. AARP Medigap Costs in States Where Age Does Not Affect Costs
In states with these pricing structures, insurance companies cannot use your age to increase your monthly costs. Prices may increase over time due to inflation or industry changes, but you can generally expect more stable prices.
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In states with this pricing structure, the average monthly cost of an AARP Medigap G plan is $124 per month for a 65-year-old. At age 75, the average monthly premium is $199, and at age 85, the average monthly premium is $209.
For Plan K, our recommendation for an inexpensive Medicare Supplement plan, monthly costs range from $58 to $98.
This pricing structure is unique to AARP, and Humana's sample Medigap policies continue to increase by 3% each year.
Massachusetts, Minnesota, and Wisconsin Medicare Supplement plans are structured differently. These states use alternative plan names instead of typical plans and benefits. Below is the average cost of AARP Medicare Supplement plans for a 65-year-old non-smoker in these states. Note that Minnesota and Massachusetts do not allow age-based price increases, but Wisconsin does.
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Due to the varying plan structure, it can be difficult to compare costs and the most accurate comparison is based on insurance quotes for your location and situation. In states where prices change with age, different patterns of price increases can affect your lifetime costs. For example, a 65-year-old woman will pay more for AARP Medicare Supplement than for a similar plan from Humana or BlueCross BlueShield. However, in this case, AARP plans have slower price increases. At age 85, AARP Medigap is cheaper than Humana, Cigna and BlueCross BlueShield.
To understand how aging affects your costs, you can get multiple quotes to find the best deal now and for decades to come.
When you buy an AARP Medicare Supplement insurance plan, you're actually getting a policy from UnitedHealthcare. As part of the business agreement, AARP endorses and markets certain UnitedHealthcare plans, and AARP receives an estimated fee of 4.95% for each plan sold.
Medigap policies provide additional benefits in addition to Original Medicare (Parts A and B). These supplemental plans can reduce out-of-pocket costs by covering deductibles, co-payments or other health care costs. The amount of coverage depends on the plan you choose.
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For example, if the cost of a doctor's visit is $200, Medicare Part B may pay $100 of the bill. Then, through cross-billing, AARP's Medigap plan can pay the additional $75 from the bill. After that, you are responsible for all remaining costs and pay only $25 for a $200 doctor's visit.
Benefits for Medicare Supplement plans are standardized across all companies. This means that AARP's Plan G will offer the same health benefits as another company's Plan G. This standardization makes it easy to compare plans, and the Medicare.gov Medigap coverage chart can help you choose the plan that's right for your needs.
You can sign up for a Medigap policy when you first become eligible for Medicare or during open enrollment. AARP/UnitedHealthcare offers all Medigap plans available. However, available plans may vary by location and Medicare eligibility date.
While the basic health benefits of AARP plans are the same as those offered by other insurance companies, AARP Medigap plans offer access to additional programs with significant added value. AARP Medigap subscribers also get:
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Across all of its divisions, UnitedHealth Group has a slightly higher claims rate than a typical insurance company of its size. The company's complaint index, according to the National Association of Insurance Commissioners (NAIC), is 1.22, which means the complaint rate is about 22% higher than normal.
Looking specifically at UnitedHealthcare Medicare Supplement plans, the NAIC reports that about 90% of complaints are related to claims processing.
Both UnitedHealthcare and AARP are rated A+ by the Better Business Bureau (BBB), but their online customer reviews on the platform are low, ranging from 1.06 to 1.28/5. Common complaints about AARP include excessive spam, poor customer service, and aggressive marketing.
UnitedHealthcare is also in the bottom third of providers in J.D. in his survey. Increase customer satisfaction with Medicare Advantage plans. Although Medicare Advantage plans are managed separately from Medicare Supplement Insurance, poor customer service reviews provide a telling story.
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However, UnitedHealthcare has strong solvency to pay claims. It is one of the largest health insurance companies and has a strong financial rating from AM Best with an A (excellent) score.
AARP/UnitedHealthcare's supplemental insurance plan is a good value. It can help reduce out-of-pocket medical costs and includes discounts on vision, dental, hearing, gym memberships and more.
AARP Medicare policies provide coverage through UnitedHealthcare. The two companies have a business agreement in which AARP provides marketing and support in exchange for a portion of the amount paid by policyholders.
Deductible coverage varies depending on the plan you choose. The Medicare Part A deductible is fully covered by Medigap Plans B, D, G, and N, and partially covered by Plans K, L, and M.
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Both Medicare Part A and Part B deductibles are fully covered by Medigap Plans C and F. However, these two supplemental plans are only available to those who were eligible for Medicare before 2020.
Medicare Supplement Plan F has the highest enrollment and very strong coverage, but is only available to those who were eligible for Medicare before 2020. If you qualify, you can sign up for Plan F during the annual open enrollment period. If you don't qualify, we recommend Plan G for the best overall coverage.
The comparisons above are based on plan coverage levels, policy details, third-party ratings, and sample cost data for 2021. We analyzed the non-smoking price offers according to age, location and service provider. Sources include Medicare.gov, AARP, UnitedHealthcare, Humana, Cigna, BlueCross BlueShield, Better Business Bureau, J.D. Power and the National Association of Insurance Commissioners.
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