Hassle-free Medicare coverage

Explore AARP® Medicare Supplement Insurance Plans from UnitedHealthcare.

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Why choose a Medicare Supplement plan?

See how an AARP Medicare Supplement Insurance Plan insured by UnitedHealthcare puts you in control

94%

of active members renew their plan from year to year²

The biggest benefit is peace of mind

A Medicare Supplement plan puts the control right where it belongs - with you. Discover some of the features of Medicare Supplement plans.

More than

4 million

insured members nationwide²

Even more reasons to choose an AARP Medicare Supplement Plan

Once you're enrolled in an AARP Medicare Supplement Plan, you'll get wellness extras like:⁵

Providing coverage and building relationships for over 40 years²

In addition to the standard benefits of Medigap plans, an AARP Medicare Supplement Insurance Plan from UnitedHealthcare Insurance Company has many features that stand out.

Get your free Medicare Supplement Insurance guide.

Learn more about how Medicare Supplement insurance works, coverage options, and when to apply.

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Medicare Supplement and Medicare Part D

Get more complete coverage with Medicare Supplement and Part D

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Help cover prescription drug costs with a Medicare Part D plan

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Find answers to some of your Medicare Supplement questions

Medicare Supplement insurance plans (also known as Medigap plans) are offered by private insurance companies to help pay some of the out-of-pocket costs that Original Medicare (which includes Part A and Part B) doesn't pay. Some plans pay most of your out-of-pocket costs, but have a higher monthly premium. Other plans pay fewer out-of-pocket costs, but have a lower monthly premium. Benefits and costs vary depending on the plan chosen.

No. A Medicare Supplement insurance plan works with Original Medicare, which includes Part A and Part B. It helps cover some of the out-of-pocket health care costs that Original Medicare doesn't pay for. For instance, Medicare Part B generally covers about 80% of Part B expenses. You're responsible for paying the rest. A Medicare Supplement insurance plan could help pay your share.

Your costs can include the following:

Monthly Premium

This is the fee you pay to the plan in exchange for coverage. Each Medicare Supplement insurance plan has a diﬀerent monthly premium.

Deductible

This is the amount you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay. It's a pre-set, ﬁxed cost. Most Medicare Supplement plans provide coverage for your Medicare Part A hospital deductible. In most cases, you're responsible for your Medicare Part B deductible.

Copay/Coinsurance

These are kinds of cost sharing. A copay is a set, ﬂat amount paid each time, such as a $20 copay for each in-office doctor visit. Coinsurance requires you to pay a percentage of the Medicare-approved amount each time.

Out-of-Pocket Limit/Maximum

This is a maximum amount of out-of-pocket costs you pay per calendar year. Since Medicare Parts A & B don't have an out-of-pocket maximum, your out-of-pocket medical expenses could add up to hundreds or thousands per year. Medicare Supplement plans are designed to help cover some of these costs.

Your health needs and budget will help you decide which Medicare Supplement plan might be best for you.

Prefer to have a lower monthly premium with out-of-pocket expenses based on your need?

Consider either the Basic Plan or the Basic Plan with Copay, which would result in an even lower premium but you would be responsible for a copay for Medicare Part B services.

Prefer to have more coverage and less out-of-pocket expense?

Both plans offer a similar level of benefits, but if you want less out-of-pocket expenses, you have the option to purchase additional coverage called a rider. A rider will help cover costs not covered under the Basic Plan.

With the Basic Plan, you can choose from either Rider 1 or Rider 2; you can also choose to purchase additional riders, Rider 3⁶ and/or Rider 4.
For the Basic Plan with Copay, you can choose either Rider 1 or Rider 2; you can also choose to purchase an additional rider, Rider 4.

You can apply for a Medicare Supplement insurance plan any time during the year.⁷ The best time to enroll is during your Open Enrollment period. The Medicare Supplement Open Enrollment period is the six-month period that starts the first day of the month in which you are age 65 or older and enrolled in Medicare Part B. Some states may have additional open enrollment periods, including those for people under 65, and there may be other situations in which your acceptance may be guaranteed.

There are two different ways to apply for a plan: online or by phone. Choose the option that works for you.

Online

You can apply for an AARP Medicare Supplement Plan online. It's easy, secure, and available anytime. To begin, enter your ZIP code.

Over the Phone

Call FED TFN / TTY 711, Monday to Friday, 7 a.m. to 11 p.m., and Saturday, 9 a.m. to 5 p.m. ET. Friendly licensed insurance agents/producers are here to help, so you can enjoy the lifelong beneﬁts of a Medicare Supplement insurance plan.⁴

Supporting you through your Medicare journey

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

Important Information

²From a report prepared for UnitedHealthcare by Human8, “Substantiation of Advertising Claims concerning AARP Medicare Supplement Insurance Plans,” June 2023, www.uhcmedsupstats.com or call 1-877-629-1893 to request a copy of the full report.

³ These features come with any standardized Medicare supplement insurance plan. The doctor or specialist must accept Medicare patients.

⁴ As long as you pay your premium when due and you have made no material misrepresentations when you apply for this plan.

⁵ These offers are only available to insured members covered under an AARP Medicare Supplement Plan from UnitedHealthcare Insurance Company. These are additional insured member services apart from the AARP Medicare Supplement Plan benefits, are not insurance programs, are subject to geographical availability and may be discontinued at any time. Certain offerings are provided by third parties not affiliated with UnitedHealthcare Insurance Company. None of these services are a substitute for the advice of a doctor or should be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room.

⁶ You may purchase this rider for an additional premium if your 65th birthday is prior to 1/1/2020 or your Medicare Part A effective date is prior to 1/1/2020.

⁷ If you choose to apply outside of your Medicare Supplement Open Enrollment period or a Guaranteed Issue period, you may be underwritten and not accepted into the plan.

Scroll for Important Disclaimers

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.

AARP Medicare Supplement Plans are 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.

WB27720WI

Hassle-free Medicare coverage

Need help?

See how an AARP Medicare Supplement Insurance Plan insured by UnitedHealthcare puts you in control

The biggest benefit is peace of mind

Even more reasons to choose an AARP Medicare Supplement Plan

Providing coverage and building relationships for over 40 years2

Get your free Medicare Supplement Insurance guide.

Get more complete coverage with Medicare Supplement and Part D

Compare AARP Medicare Supplement Plans

Help cover prescription drug costs with a Medicare Part D plan

Find answers to some of your Medicare Supplement questions

What is Medicare Supplement and how much coverage do I need?

Does a Medicare Supplement insurance plan replace Original Medicare Part A and Part B?

What costs are associated with Medicare Supplement?

How do I decide which Medicare Supplement plan is right for me?

When can I apply for Medicare Supplement Insurance?

How do I apply for an AARP Medicare Supplement Plan from UnitedHealthcare?

Chat with UnitedHealthcare

Call UnitedHealthcare

Important Information

Scroll for Important Disclaimers

Providing coverage and building relationships for over 40 years²