AARP/UnitedHealthcare Medicare Supplement (Medigap) Review

Christian Worstell
In this article...
  • Our AARP/UnitedHealthcare Medicare Supplement (Medigap) plans review explores AARP Medicare Supplement Insurance plan costs, what they cover, how they compare to other insurance companies, customer reviews and more. Learn more and compare Medigap plans.

AARP sells Medicare Supplement Insurance (also called Medigap plans) through a partnership with UnitedHealthcare.

In this AARP/UnitedHealthcare Medicare Supplement review, we detail the company’s Medigap plan selection, availability, costs, customer reviews, industry rankings and more. Learn how you can compare Medigap plans where you live to find the best value and best coverage for your needs.

Why Does AARP Recommend UnitedHealthcare?

AARP has partnered with UnitedHealthcare since 1997 on several initiatives designed to improve consumer experiences and health outcomes. The senior-focused interest group has sold various types of Medicare plans through UnitedHealthcare for nearly as long.

Today, UnitedHealthcare is the exclusive provider of AARP Medicare Supplement plans. 

UnitedHealthcare is among the largest health insurance providers and is one of the biggest Medicare Supplement Insurance companies in the U.S. The cornerstone of the relationship between AARP and UnitedHealthcare is in the organizations’ shared goal of helping Americans age healthy and happy.  

Pros and Cons of AARP/UnitedHealthcare Medicare Supplement Plans

AARP/UnitedHealthcare Pros AARP/UnitedHealthcare Cons

 

  • Large plan selection and availability

  • Strong financial ratings and customer reviews

  • Optional additional benefits readily available

 

  • Must be an AARP member to enroll in a plan

How Many Medicare Supplement Plans Does UnitedHealthcare Sell?

There are 10 different Medicare Supplement plans available in most states. Nine of them may be purchased through the AARP/UnitedHealthcare partnership in most areas, though plan availability may vary.

In most parts of the country, UnitedHealthcare sells AARP Medigap Plans A, B, C, D, F, G, K, L and N. The only plan not sold by AARP/UnitedHealthcare is plan M. 

It’s worth noting that Plan C and Plan F are only available to beneficiaries who became eligible for Medicare before January 1, 2020. If you were eligible for Medicare before 2020, you may be able to enroll in Plan F or Plan C if they’re offered where you live, and you can keep either plan if you’re already enrolled in them. 

Medicare Supplement Insurance Plans 2022
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.

 

Where Is AARP/UnitedHealthcare Medicare Supplement Sold?

AARP/UnitedHealthcare Medigap plans are available in parts of all 50 states and the District of Columbia, giving AARP/UnitedHealthcare a slight edge over many other Medicare Supplement companies.

What Is the Monthly Premium for AARP Medicare Supplement Plans?

Several things can affect the cost of a Medicare Supplement plan, and AARP/UnitedHealthcare premiums may be affected by age, gender, location and more. 

Below are sample plan premium quotes for plans in varying locations. These example Medicare plan costs are designed to give you a general idea of how much Medicare Supplement plans cost with AARP/UnitedHealthcare. Please note these are only examples; the plans available where you live and their premium costs may vary from what you see listed below.

Quotes are based on the lowest price available, with no applicable discounts.

Location Plan A Plan G Plan F Plan N

Denver, CO

$79.86

$110.39

$149.92

$95.35

Tacoma, WA

$134.71

$194.69

$235.84

$159.12

Sioux, SD

$82.48

$113.13

$147.60

$95.75

Louisville, KY

$66.93

$114.51

$149.43

$102.15

Albany, NY

$157.25

$232.50

$265.50

$176.50

 

Enrollment in an AARP/UnitedHealthcare plan requires an active AARP membership. AARP membership costs $16 per year. 

AARP/UnitedHealthcare offers a discount to those who pay their monthly premiums electronically or through direct withdrawal. 

Does AARP/UnitedHealthcare Offer Additional Benefits to Medicare Supplement Customers?

Medicare Supplement benefits are standardized by the government, but that doesn’t stop carriers from including some extra perks for their members.

Some AARP/UnitedHealthcare Medigap enrollees may choose to enjoy a gym membership at no additional cost along as an optional benefit of their Medigap plan. AARP and UnitedHealthcare offer plan beneficiaries a membership to Renew Active, which is UnitedHealthcare’s senior fitness and wellness program. 

Many plans may also include discounts on vision, dental and hearing care, and members also have access to a 24/7 nurse hotline where a registered nurse may be reached to discuss symptoms, plan details or community health resources.

What Is the Rating for AARP/UnitedHealthcare?

Financially, UnitedHealthcare has strong financial ratings raise from the industry’s leading credit agencies.1

  • M. Best (A)
  • Fitch Ratings (A)
  • S&P Global (A+)
  • Moody’s (A3)

From a customer satisfaction perspective, the National Association of Insurance Commissioners (NAIC) reports that UnitedHealthcare Medigap members file complaints at a rate that is far less than the industry average, suggesting a high level of overall customer satisfaction. 

https://www.unitedhealthgroup.com/content/dam/UHG/PDF/investors/2022/UNH-Q1-2022-Form-10-Q.pdf

What Insurance Company Has the Best Medicare Plans? 

When comparing which insurance company has the best Medicare Supplement plans for your needs, three main factors to consider include:

  • Cost
  • Plan coverage
  • Plan availability

Below is a look at how AARP/UnitedHealthcare stacks up in these three categories versus some of the competition. 

Plan G rates are based on a 65-year-old male in Raleigh, NC. Please notes that these example premium rates are only examples. Not all of the listed insurance companies may offer plans where you live, and the costs for plans in your area could vary greatly from what are listed below.

UnitedHealthcare

 

  • Number of Medigap plans:
  • Number of states where plans are offered: 51
  • Sample Plan G quote: $120.55

Cigna

 

  • Number of Medigap plans: 4
  • Number of states where plans are offered: 49
  • Sample Plan G quote: $119.75

Mutual of Omaha

 

  • Number of Medigap plans: 4
  • Number of states where plans are offered: 50
  • Sample Plan G quote: $107.98

Humana

 

  • Number of Medigap plans: 8
  • Number of states where plans are offered: 50
  • Sample Plan G quote: $107.98

Is UnitedHealthcare a Good Medicare Supplement Insurance Company?

AARP and UnitedHealthcare sell a wide variety of plans all over the U.S., and they maintain strong financial ratings and customer satisfaction. An AARP membership is required for enrollment. 

Connect with a licensed insurance agent to learn about the Medicare Supplement plan options in your area from AARP/UnitedHealthcare along with any other insurance companies to find the best plan for your needs.  

  1. UnitedHealth Group. (May 4, 2022). Form 10-Q Quarterly Financial Report. https://www.unitedhealthgroup.com/content/dam/UHG/PDF/investors/2022/UNH-Q1-2022-Form-10-Q.pdf.

Christian Worstell
About the Author

Christian Worstell is a licensed insurance agent and a Senior Staff Writer for HelpAdvisor.com. He is passionate about helping people navigate the complexities of federal benefits and understand their coverage options.

His work has been featured in outlets such as VoxMSN, and The Washington Post, and he is a frequent contributor to health care and finance blogs.

Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. He currently lives in Raleigh, NC.

Read More
A man uses his home computer while his wife looks over his shoulder
The Association for Mature American Citizens (AMAC) and the American Association of Retired Persons ...
Smiling grandfather plays with young grandson on couch at home
Aetna and UnitedHealthcare are both major providers of Medicare Advantage insurance plans. Our review ...
Ladies playing Scrabble
UnitedHealthcare and Mutual of Omaha both sell Medicare Supplement Insurance (Medigap) plans. Our ...