AARP Medicare Supplement: Types, insurance coverage, qualifications, and expenses explained
**News Article: AARP Medigap Plans Through UnitedHealthcare: A Comprehensive Guide**
AARP Medigap plans, offered by UnitedHealthcare (UHC), are Medicare Supplement Insurance policies designed to help individuals reduce out-of-pocket costs not covered by Original Medicare (Parts A and B). These plans are exclusively marketed and endorsed by AARP. To enroll, one must be an AARP member, with an annual membership cost of $20 after the first year.
Medigap plans are standardised by the federal government, ensuring that each lettered plan (e.g., Plan A, Plan G, etc.) offers the same basic level of coverage regardless of the insurer. However, premiums, customer service, and additional perks may vary by provider.
While not all states offer all eight AARP Medigap plans, details about Plan G are available. This popular comprehensive plan covers nearly all out-of-pocket costs, excluding the Part B deductible, with the national average monthly premium for AARP/UHC Plan G being about $158 as of 2025.
The plans are identified by letters: A, B, C, D, F, G, K, L, M, and N. Each plan of the same letter must offer the same benefits across all the states, with the exception of Massachusetts, Minnesota, and Wisconsin. Plan F and Plan C are not available to new Medicare beneficiaries who became eligible on or after January 1, 2020.
AARP/UHC Medigap policyholders can access exclusive discounts and wellness services, such as gym memberships, vision and hearing discounts, and more. Enrollees also gain access to AARP’s broader membership perks, including rewards programs, discounts, and community resources.
Medigap plans provide financial protection by limiting exposure to unexpected medical bills beyond what Original Medicare covers. However, premiums can increase annually based on healthcare cost trends. For the most current plan details and availability, potential enrollees should consult UnitedHealthcare or AARP directly.
It is essential to note that AARP membership is required to qualify for a Medigap plan offered by AARP. Deductibles, copayments, and coinsurance are all part of the out-of-pocket costs that Medigap plans help cover.
In 2025, Plan K's out-of-pocket limit is $7,220, and the out-of-pocket limit for Plan L is $3,610. Premiums for a 65-year-old female in Pensacola, FL, for different AARP Medicare supplement plans in 2025 are shown in the provided chart.
UnitedHealthcare is a nationwide health insurance company with a reported annual revenue of $281.4 billion in 2023. AARP, founded by Ethel Percy Andrus in 1958, is a nonprofit membership organization aimed at helping people ages 50 years old and older be informed and independent.
For those considering a Medigap plan, it is advisable to use an online tool to find a plan in their state during their Medigap Open Enrollment Period (6 months starting the month they turn 65 and enroll in Part B), when insurers cannot deny coverage or charge more due to pre-existing conditions. Additionally, it is crucial to remember that Medigap plans cannot be used with Medicare Advantage plans.
- It's important to note that AARP membership, which costs $20 annually after the first year, is mandatory to qualify for a Medigap plan offered by AARP.
- While Medicare coverage may help with some medical-conditions like HIV or diabetes, Medigap plans offer additional coverage, helping to reduce out-of-pocket costs.
- Controlling obesity and managing health-and-wellness, especially in conditions like bipolar or depression, can be vital for prevention and treatment, as suggested by science.
- Predictive analysis in healthorganizations can help in early detection of diseases like Alzheimers, allowing for timely interventions and management.
- AQ, a term often used in the finance industry, can refer to a quality or performance score, helping consumers make informed decisions about their healthinsurance providers.
- Some Medigap plans, such as Plan K and Plan L, offer lower out-of-pocket limits of $7,220 and $3,610 respectively, making them more affordable for those with Crohns disease or obesity-related complications.
- During the Medigap Open Enrollment Period, an online tool can be useful for finding the most suitable plan, especially for those with pre-existing conditions, as insurers cannot deny coverage or charge more.
- Healthcare costs, including Medigap premiums, can increase annually, and it's advisable to consult UnitedHealthcare or AARP directly for the most current plan details and availability.
- In addition to the exclusive discounts and wellness services offered by AARP/UHC, members can also access resources and community support on various health-and-wellness topics, including managing medical-conditions like type 2 diabetes or Alzheimers.
