AARP® Medicare Supplement Insurance Plans

June 26, 2014

Medicare supplement insurance plans are health insurance plans sold by private insurance companies to help supplement the out-of-pocket costs associated with Medicare Parts A and B. These plans are designed to help pay for some or all of the costs that Original Medicare does not pay, such as coinsurance and deductibles.

AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company (UnitedHealthcare)1 For retirees age 65 and older who are enrolled in both Medicare Parts A and B, these plans offer a variety of coverage choices to help supplement their Medicare Parts A & B and help reduce some of their health care costs.

AARP membership is required to enroll in the plan. However, if a retiree is not currently a member, UnitedHealthcare Insurance Company will pay for the first-year membership (this offer is not available for New York residents).

Why should a an employer  consider AARP Medicare Supplement Insurance?

Wouldn’t it be nice if your clients didn’t have to manage all the demands of group retiree health care coverage? UnitedHealthcare can help with the administrative demands, as well as help employers manage costs. Employers will benefit from:

  • Flexible contribution options—your level of contribution is your choice.  You can select from endorsed, partially subsidized, or fully subsidized options.
  • UnitedHealthcare’s unique relationship with AARP reflects its commitment to high standards for quality customer service.
  • Minimal employer administration is necessary. You can depend on service and support from start to finish, including assistance with enrollment events and presentations and follow up with your retirees.
  • Rate stability—AARP Medicare Supplement rates are stable and have historically increased 4.2% each year nationally since 20000.

How many plans are there to choose from?
There are up to seven standardized AARP Medicare Supplement Insurance Plans to choose from in most states. Massachusetts, Minnesota, and Wisconsin plans vary. The plans provide different levels of coverage, from basic hospitalization and Medicare Part B coinsurance to broader benefits like foreign travel emergency, and hospice care.

Medicare Supplement plans also work with a Medicare Part D prescription drug plan

Where are the plans available?
AARP Medicare Supplement Plans are available in all 50 states, plus Washington, D.C., and most U.S. territories.

How do these plans benefit retirees?
The AARP Medicare Supplement Plans offer your retirees freedom and flexibility. They'll benefit from:

  • The freedom to choose any doctor, or specialist that accepts Medicare patients because there's no provider network requirement 
  • Virtually no claim forms
  • No pre-existing condition coverage exclusions if replacing coverage (MA and WA vary)
  • The peace of mind knowing that the fixed premium covers all services and unexpected illness won't "break the bank."
  • Guaranteed renewable coverage as long as premiums are paid on time and no material misstatement is made on the application
  • Valuable added features like pharmacy and vision discounts
  • Coverage travels with you nationwide

Get more information
Learn more about AARP Medicare Supplement Plans and request additional information

Request more information

Read our disclaimer

1The AARP Medicare Supplement Insurance Plans carry the AARP name and UnitedHealthcare Insurance Company pays a royalty fee to AARP for use of the AARP intellectual property. Amounts paid are used for the general purpose of AARP and its members. Neither AARP nor its affiliate is the insurer.

Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY, for New York residents). In some states, plans may be available to persons eligible for Medicare by reason of disability. Policy Form No. GRP 79171 GPS-1 (G-36000-4). 

Not connected with or endorsed by the U.S. Government or the federal Medicare program.

This is a solicitation of insurance.  An agent/producer may contact you. 

AARP does not employ or endorse agents, brokers or producers.  

Call to receive complete information including benefits, costs, eligibility requirements, exclusions and limitations.

2 Rate increases averaging 4.6% nationally over the last 10 years. National aggregate figure based on internal company for rate increases implemented during years 2002-2011. Increases vary by plan, state and year.