Find Medicare
Plans In Your Area
It’s free and without any obligations

AARP Medicare Supplement Plans

UnitedHealth Insurance Company offers AARP Medicare Supplement Plans. These plans pay for some of the out-of-pocket costs that are not covered by Original Medicare (Part A and Part B). Learn more about the benefits of AARP Medicare Supplement (Medigap) Plans and determine if one of these plans is right for you.

Features and Benefits of AARP Medicare Supplement Plans

AARP Medicare Supplement Plans offer various features and benefits for members. When you sign up for one of these plans, the coverage is available anywhere in the country, and you can go to any provider who accepts Medicare. That means you can keep your current doctor. You don’t need a referral to use a Medicare Supplement Plan, and you can combine it with a Medicare Part D plan to reduce your out-of-pocket costs even more. Also, the insurance provider cannot cancel your plan or raise your premium due to health issues.

AARP Medicare Plans (Provided to UHC)

AARP offers a variety of Medigap plans through UHC. These plans are standardized, meaning you will receive the same coverage, regardless of the state in which you live, except for Massachusetts, Minnesota, and Wisconsin. These states have different standardized plan options.

If you choose a Medigap plan from AARP, you can select Plan A, B, C, F, G, K, L, or N. Let’s take a closer look at each of the plans.

Medigap Plan A

Medigap Plan A is a good option for people who are likely to stay in skilled nursing facilities or hospitals for large amounts of time. This plan covers 100 percent of the:

  • Part A coinsurance and hospital costs for a full 365 days after the Medicare benefits are used up
  • Part B copayment or coinsurance
  • First three pints of blood per year
  • Part A hospice/respite care copayment or coinsurance

Medigap Plan B

Medigap Plan B includes everything in Plan A, along with 100 percent coverage for the Part A deductible. This plan is another good option for those who are likely to spend time in the hospital.

Medigap Plan C and F

Medigap Plan C and Plan F are very comprehensive. These plans provide everything you will get with Plan B, plus 100 percent coverage for:

  • Part B deductible
  • Skilled nursing facility care coinsurance

The plans both cover up to 80 percent of the cost of emergencies when traveling abroad. Also, Plan F covers 80 percent of the Part B excess charges.

However, these plans are being phased out. Starting January 1, 2020, Medigap plans that cover the Part B deductible cannot be sold to new enrollees. However, those who were eligible for Medigap before January 1, 2020, can still enroll. Also, those who have coverage can keep it.

Medigap Plan G

Many new enrollees who were interested in Medigap Plan F will get Plan G in 2020. This plan is identical to Plan F, except for covering the Part B deductible.

Medigap Plan K

Those who are concerned about out-of-pocket costs can benefit from Medigap Plan K. The plan covers:

  • 100 percent of Part A Coinsurance and hospital costs for a full 365 days after the Medicare benefits have been used
  • 100 percent of the Part B copayment or coinsurance
  • 50 percent of the cost of the first three pints of blood each year
  • 50 percent Part A hospice/respite care copayment and coinsurance
  • 50 percent of the Part A Deductible
  • 50 percent coinsurance for a skilled nursing facility

The yearly out-of-pocket limit for this plan is $5,240.

Medigap Plan L

Medigap Plan L is also an excellent way to reduce out-of-pocket costs. The plan covers:

  • 100 percent of Part A Coinsurance and hospital costs for a full 365 days after the Medicare benefits have been used
  • 50 percent of the Part B copayment or coinsurance
  • 75 percent of the cost of the first three pints of blood each year
  • 75 percent Part A hospice/respite care copayment and coinsurance
  • 75percent of the Part A Deductible
  • 75 percent coinsurance for a skilled nursing facility

The yearly out-of-pocket limit is $2,620.

Medigap Plan N

While Medigap Plan N has no out-of-pocket limit, it does provide comprehensive coverage. The plan covers:

  • 100 percent of Part A Coinsurance and hospital costs for a full 365 days after the Medicare benefits have been used
  • 75 percent of the Part B copayment or coinsurance, with certain exceptions
  • 100 percent of the cost for three pints of blood each year
  • 100 percent Part A hospice/respite care copayment and coinsurance
  • 100 percent of the Part A Deductible
  • 80 percent of the Part B excess charges
  • 80 percent of the cost of foreign emergencies
  • 100 percent coinsurance for a skilled nursing facility

Get Help Choosing a Medigap Plan

You don’t have to choose an AARP Medicare Supplement Plan on your own. Speak to a licensed insurance agent to get help selecting a plan that’s right for you.

Our Trusted Carriers
Speak to a licensed
agent today