AARP/UnitedHealthcare Medicare Plan F
- Find out what AARP/UnitedHealthcare Medicare Supplement Plan F covers, how much it costs, AARP/UnitedHealthcare customer reviews and more. Compare Medigap Plan F to Plan G and Plan N.
AARP sells Medicare Supplement Insurance (or “Medigap”) through its partnership with UnitedHealthcare. AARP and UnitedHealthcare together are among the largest Medicare Supplement Insurance companies and partnerships. And Plan F has long been the plan with the highest share of enrollment.1
In this AARP/UnitedHealthcare Medigap Plan F review, we examine the most popular Medicare Supplement plan, including eligibility rules, what it covers, how much it costs, customer reviews and how you can enroll.
What Does AARP/UnitedHealthcare Plan F Cover?
Medicare Supplement Insurance provides extra coverage for your Original Medicare (Medicare Part A and Part B) out-of-pocket costs. These plans are often called “Medigap” because they pay for some of the gaps left open by Original Medicare, such as deductibles, copays and coinsurance.
There are 10 different standardized Medigap plans available in most states, and the benefits offered by each type of plan are the same no matter which insurance company is selling them.
|Medicare Supplement Benefits||A||B||C1||D||F1||G||K||L||M||N|
|Part A coinsurance and hospital costs||✓||✓||✓||✓||✓||✓||✓||✓||✓||✓|
|Part B coinsurance or copayment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|First 3 pints of blood||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Part A hospice care co-insurance or co-payment||✓||✓||✓||✓||✓||✓||50%||75%||✓||✓|
|Co-insurance for skilled nursing facility||✓||✓||✓||✓||50%||75%||✓||✓|
|Medicare Part A deductible||✓||✓||✓||✓||✓||50%||75%||50%||✓|
|Medicare Part B deductible||✓||✓|
|Medicare Part B excess charges||✓||✓|
|Foreign travel emergency||80%||80%||80%||80%||80%||80%|
|1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.
There are nine types of Medicare costs that may be covered by a Medigap plan, and each plan offers its own combination of either full, partial or no coverage across these areas. Plan F is the only plan to offer coverage of all nine types of costs.
Here is what’s fully covered by AARP/UnitedHealthcare Medicare Supplement Plan F, unless otherwise noted.
Medicare Part A Coinsurance
Medicare Part A charges $389 per day for inpatient care during days 61-90 of a benefit period in 2022, and $778 per day beyond 90 days. Plan F fully covers these costs.
Medicare Part B Coinsurance
Medicare Part B typically charges a 20% coinsurance payment for covered services after the annual deductible has been met. Plan F covers your Part B coinsurance costs in full.
First Three Pints Of Blood
Medicare does not cover the first three pints of blood needed for a blood transfusion if they’re not provided for free by your hospital. Plan F fully covers the costs for the first three pints.
Part A Hospice Care Coinsurance And Copayments
Hospice care under Part A requires small copayments (no more than $5) for prescription drugs and other products used for pain relief and symptom control. Inpatient respite care requires a 5% coinsurance payment. Plan F fully covers these costs.
Skilled Nursing Facility Care Coinsurance
Medicare Part A charges up to $194.50 per day for days 21-100 of a skilled nursing facility stay in 2022. You’re responsible for all costs beyond 100 days. With Plan F, these costs coinsurance costs would be fully covered.
Part A Deductible
Medicare Part A charges a $1,556 deductible for each “benefit period” in 2022. A beneficiary may experience more than one benefit period in a calendar year, each one coming with its own $1,556 deductible. Plan F fully covers your Part A deductible.
Part B Deductible
Medicare Part B charges an annual deductible of $233 in 2022. Plan F covers the Part B deductible in full.
Part B Excess Charges
Certain health care providers can charge up to 15% more than the Medicare-approved amount for their services or items. If you face Medicare excess charges, Plan F covers them in full.
Foreign Travel Emergency Care
Original Medicare doesn’t typically cover emergency care received outside of the U.S. Plan F covers 80% of the costs for foreign emergency care when you travel or spend time abroad.
Why Is Medicare Plan F Being Phased Out?
You may have heard that Plan F is no longer available or is being phased out. That is only partly true.
Medigap Supplement Plan F is no longer available to anyone who became eligible for Medicare on or after January 1, 2020. But if you were eligible for Medicare before that date, even if you weren’t enrolled, you are still eligible to purchase Plan F if it's available where you live.
The change in eligibility is the result of 2015 legislation aimed at curbing medical overspending and overuse of the healthcare system. Medigap Plan F (and Plan C) offer “first dollar coverage” of Medicare Part B services and items, meaning plan members can bypass the annual deductible. Stripping Medigap’s ability to cover the Medicare Part B annual deductible aligned with the goals of the legislation.
And because Plan F and Plan C are the only Medigap plans that provide coverage of the Medicare Part B deductible, these plans were phased out for incoming beneficiaries but grandfathered in for existing beneficiaries. If you already have Plan F or Plan C, you can keep either plan.
Who Is Eligible For AARP/UnitedHealthcare Plan F?
To be eligible for Medicare Supplement Insurance, you must be enrolled in both Medicare Part A and Part B.
To be eligible for Plan F, you must have been eligible for Medicare prior to Jan. 1, 2020.
And to be eligible for AARP/UnitedHealthcare Plan F, you must live in an area in which AARP/UnitedHealthcare sells Plan F and you must also be an AARP member.
Does AARP Still Offer Plan F?
AARP/UnitedHealthcare still offers Plan F for those who are eligible to enroll.
How Much Does AARP Plan F Cost?
Because Plan F offers the most coverage of any Medigap plan, and because Plan F applicants must be slightly older than those of other plans due to the eligibility rule, premiums for Plan F tend to be higher than other Medicare Supplement plans.
AARP/UnitedHealthcare Plan F premiums can be affected by location, gender and age. Below is a sampling of AARP/UnitedHealthcare Plan F costs for various types of customers based on the company’s online quote tool.
Please note these are example quotes and may not reflect the plan availability or plan costs for the options available where you live. Rates can also be affected by when you enroll, whether you must undergo medical underwriting and more.
|Customer||AARP/UnitedHealthcare Plan F Monthly Premium|
67-year-old female in Raleigh, NC
69-year-old male in Los Angeles, CA
71-year-old female in Salt Lake City, UT
73-year-old male in Dayton, OH
75-year-old female in Portland, ME
AARP/UnitedHealthcare offers a few small discounts on premiums when multiple members of the same household have a policy or when premiums are paid through electronic funds transfer. No such discounts were applied to the rates above.
It’s also worth noting that you must be an AARP member to enroll in AARP Plan F. An annual membership with AARP is $16.
Does AARP/UnitedHealthcare Plan F Offer Any Extra Benefits?
In many locations, AARP/UnitedHealthcare offers two versions of Plan F. In addition to the standard version, there may also be a “wellness extras” version that comes with a gym membership and discounts on dental, hearing and vision care.
The wellness extra plan versions come with slightly higher premiums than the standard version. Only the standard version of Plan F was used for the price quotes above.
When Can I Enroll in AARP/UnitedHealthcare Plan F?
Technically speaking, you can enroll in AARP/UnitedHealthcare Plan F at any time. However, the best time to do so is during your Medigap Open Enrollment Period.
This enrollment period begins when you are at least 65 years old and enrolled in both Medicare Part A and Part B. Your Medigap OEP only lasts for six months.
During your Medigap Open Enrollment Period, you have guaranteed issue rights, which protect you from medical underwriting that can increase your premiums if you are in poor health.
How Can I Enroll in AARP/UnitedHealthcare Plan F?
Contact a licensed insurance agent to learn about Medicare Supplement Insurance plans available in your area. You can also request a free online quote for Plan F and other Medigap plans for sale in your location.
What If I’m Not Eligible to Enroll in Medigap Plan F?
If you were not eligible for Medicare before Jan. 1, 2020, you will not be eligible to enroll in Plan F.
However, Medicare Plan G offers nearly identical coverage to Plan F and is available to all Medicare beneficiaries age 65 and up wherever the plan is sold.
If you are not eligible for Plan F, speak to an agent about Plan G coverage and how it compares to Plan F.