Compare Medicare Supplement plans

Shop plans in your area

See AARP Medicare Supplement Insurance plans where you live – and compare costs and benefits side-by-side.

Medicare Supplement insurance plans, also called Medigap plans, provide help with some of the out-of-pocket expenses not paid for by Original Medicare.

When you go to the doctor under Original Medicare, you still have expenses to pay. Medicare Supplement insurance plans work with your Medicare Part A (hospital stays) and Medicare Part B (doctor visits) to help lower the out-of-pocket medical costs that Original Medicare doesn’t cover.

UnitedHealthcare offers two Medicare Supplement plans and optional riders in Minnesota, and which Medicare Supplement plan you choose depends on your individual needs. Use the information below to help as you consider which Medicare Supplement plan is best for you.

AARP Medicare Supplement (Medigap) plan comparison

A checkmark indicates the benefit is paid at 100%. Reference the chart below to understand coverage and costs associated with each Medicare Supplement plan.

Medsupp Table
Plans available to all applicants

Benefits	Extended Basic Plan	Basic Plan	Rider 1 ¹	Rider 2^1,3	Rider 3¹	Rider 4¹	Rider 5¹
Part A coinsurance and hospital coverage (up to an additional 365 days after Medicare benefits are used)
Part B coinsurance or copayment
Blood (first 3 pints, per year)
Part A Hospice coinsurance or copayment
Skilled nursing facility care coinsurance
Home health care services and medical supplies
Part A deductible
Part B deductible²	²			³
Preventive care⁴	$120		$120				$120
Care received outside the United States	80%⁵
Foreign travel emergency care⁶
Part B excess charges⁷

¹ The riders are only available with the Basic Plan. If you want all the benefits of Riders 3, 4 and 5, Select Rider 1.

² Coverage for the Part B deductible is not available to persons "newly eligible" for Medicare on or after 1/1/2020.

³ Rider 2 (Part B deductible) is not available to persons "newly eligible" for Medicare on or after 1/1/2020.

⁴Preventive care includes annual physicals, preventive tests and screenings; plus, immunizations, cancer screening and mammograms, when not paid by Medicare.

⁵ Pays 100% after you spend $1,000 in out-of-pocket costs for a calendar year.

⁶ Medically necessary emergency care services beginning during the first 60 days of each trip outside the USA.

⁷Billing for excess charges is prohibited in Minnesota except for Ambulance Services and Durable Medical Equipment. For these charges, the maximum benefit is 80% of Usual and Customary charges before the $1,000 out of pocket limit is met; the maximum benefit is 100% of Usual and Customary charges after the limit is met.

Benefits and costs vary depending on the plan chosen.

Coverage vs. cost: How to choose a Medicare Supplement plan

Now that you've seen plan coverage side-by-side, it's time to consider how much those plans impact your personal budget.

The Basic Plan offers just the Basic Benefits and a benefit for home health care services, medical supplies, and foreign travel emergency care. The Medicare Part A deductible could be one of your largest out-of-pocket expenses if you need to spend time in a hospital. The Basic Plan generally has higher out-ofpocket costs for things like the Medicare Part B deductible* and Medicare Part B excess charges; however, optional riders are available to cover these expenses if you would like the additional coverage.

*Rider 2 (Part B deductible) is not available to persons "newly eligible" for Medicare on or after 1/1/2020.

The Extended Basic Plan offers the most supplemental coverage, paying many of your out-of-pocket costs for Medicare-approved services. Consider this plan if you are willing to pay a monthly premium that is typically higher in exchange for more covered benefits and lower out-of-pocket costs, and benefits for some services not covered by Medicare.

Download the AARP Medicare Supplement Plan Comparison Guide

Choosing a Medicare Supplement plan that fits your needs

When choosing between plans, ask yourself:

How much coverage do you need?
How much is the monthly premium?
How much will you pay for services like hospital stays and doctor visits?
How much are you willing to spend on out-of-pocket costs?

When comparing plans, add up all the costs you're responsible for, including:

Monthly premium
Annual Part B deductible
Copayments (copays) and coinsurance, if applicable based on the plan you choose

Medicare Supplement plan information and tools

UnitedHealthcare provides information and tools to make it easier to find the plan you need, and learn as much as possible before you choose.

Medicare Supplement plans

Find out more about the benefits of AARP Medicare Supplement Insurance Plans from UnitedHealthcare.

View plans and pricing

Find Medicare Supplement plans in your area. You can even compare plans – side by side.

Looking for the differences between Medicare Advantage and Medicare Supplement plans instead?

Comparing Medicare Advantage plans vs. Medicare Supplement plans

Get a Free Decision Guide

The Decision Guide provides you with information about AARP Medicare Supplement Plans.

Request your free guide

Supporting you through your Medicare journey

Chat with UnitedHealthcare

Chat is currently unavailable.
Please try again later.

Call UnitedHealthcare

Call Dynamic TFN / TTY 711

Hours: 8 a.m. to 8 p.m., 7 days a week

Find a plan

Meet with us

Make an appointment with a licensed insurance agent in your area.

Find an agent - opens in a new tab

Already a member?

Go to the member site to see your plan benefit information.

View Important Disclosures Below

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. If you are not a member, you can join AARP for just $16.00 a year.

Insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103. Policy Form No. GRP 79171 GPS-1 (G-36000-4).

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/1-844-775-1729.

WB27950MN