AARP’s Medicare Supplement Insurance plans are insured exclusively by UnitedHealthcare. The AARP and UnitedHealthcare co-branded plans are available in every state and Washington, D.C. Show
UnitedHealthcare is the largest provider of Medicare Supplement Insurance, or Medigap, and of Medicare Advantage plans [1]. AARP/UnitedHealthcare offers most Medigap plan types — often with multiple options for pricing and extra benefits. Prices are competitive, and complaint rates for the company’s Medicare Supplement Insurance plans are considerably lower than the market average. Here’s what you should know about AARP Medicare Supplement Insurance from UnitedHealthcare. AARP/UHC Medicare Supplement Insurance pros and consAARP and UnitedHealthcare’s Medigap offerings have advantages and disadvantages.
Available Medicare Supplement Insurance plans
Plans A, B, G, K, L and N are generally available in all locations, while Plan D is less widely offered. Medigap Plan C and Medigap Plan F are also available for beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any insurer. In addition, AARP and UnitedHealthcare offer plans in Massachusetts, Minnesota and Wisconsin according to each state's Medigap plan standards, which differ from the standardization system used in the majority of the country. Medicare Select policies add network requirementsAARP and UnitedHealthcare offer Medicare Select policies in some locations. These plans cover the same Medicare services as any Medigap plan of the same type, but it requires beneficiaries to get inpatient services from in-network hospitals and health care providers. In exchange for the network restrictions, Select plans offer lower premiums than their non-Select counterparts. If you have a Medicare Select plan and get services from an out-of-network hospital, you become responsible for the Medicare Part A deductible, which is $1,556 in 2022 ($1,600 in 2023). Exceptions are available for emergency services, services not available from an in-network hospital and when you’re more than 100 miles from home. Select plans aren’t available in all areas or for all Medigap plan types. Enter your ZIP code on UnitedHealthcare’s website to check what’s available to you and to compare prices for Select and non-Select plans. Additional benefitsMedigap plans have standardized Medicare benefits, but insurers can offer additional perks. Here are examples of extra benefits available with some AARP/UnitedHealthcare policies:
Note: In some cases, extra perks are included only in plans sold with the “+ wellness extras” label. In most cases, these extras carry an additional cost over a version of the same plan without the extras. However, in some states, such as Colorado, there is no option — plans automatically include the extras even though there’s no “+ wellness extras” label. UnitedHealthcare Medicare Supplement Insurance service areaAARP offers UnitedHealthcare-insured Medicare Supplement Insurance plans in all 50 states and Washington, D.C. UnitedHealthcare is by far the largest Medicare Supplement Insurance provider. The company covers about 4.4 million Medigap beneficiaries, and its share of the total Medicare Supplement Insurance market is about 33.7% [2]. CostThe following price quotes were obtained for three states representing above-average, average and below-average costs for Medicare Supplement Insurance, when compared across all plans and providers using pricing data from Medicare.gov [3]:
The sections below show pricing information from UnitedHealthcare for a 65-year-old female nonsmoker and reflect base pricing with discounts removed or factored out whenever the option was available. (Note: Some Medigap prices may be higher for males.) For comparison, each table also includes the price for the least-expensive option to buy the same plan from other providers, based on information from Medicare.gov. For example, AARP/UnitedHealthcare’s price for Medigap Plan A in Fort Collins, Colorado, appears alongside the lowest price on Medicare.gov for all Plan A policies available in Fort Collins to an applicant with identical demographics. Plan AOn average, AARP/UnitedHealthcare’s lowest quoted prices for Medigap Plan A were about 15% higher than the least-expensive Plan A policy in the area. Get details on AARP/UHC's rates for Medigap Plan A When both options were offered, Plan A + wellness extras was about $5.77 less expensive than the standard Plan A offering in the same area, on average. 🤓Nerdy Tip Even if you don’t find the extras compelling, compare the prices of all available plans just in case you can get lower premiums with a + wellness plan. In some cases, quoted prices for a plan with wellness extras were actually lower than the same plan without any extras.
* AARP/UHC Medigap Plan A policies offered in Fort Collins, Colorado, automatically include wellness extras. Plan BOn average, AARP/UnitedHealthcare’s quoted prices for Medigap Plan B were about 16% higher than the least-expensive Plan B policy in the area. Get details on AARP/UHC's rates for Medigap Plan B In each of the locations used for this review, AARP/UnitedHealthcare only offered Plan B with wellness extras included.
* AARP/UHC Medigap Plan B policies offered in Fort Collins, Colorado, automatically include wellness extras. Plan GOn average, UnitedHealthcare’s lowest quoted prices for non-Select Medigap Plan G policies were about 17% higher than the least-expensive Plan G policy in the area.
Get details on AARP/UHC's rates for Medigap Plan G When the option was offered, adding wellness extras cost an average of $4.59 per month. Opting for a Medicare Select version of Plan G offered an average savings of $20.73 compared to standard Plan G without wellness extras, and an average savings of $25.32 compared to standard Plan G + wellness extras. (UnitedHealthcare doesn’t offer Select Plan G without wellness extras in any of the states used for this review.)
* AARP/UHC Medigap Plan G policies offered in Fort Collins, Colorado, automatically include wellness extras. Plan KOn average, AARP/UnitedHealthcare’s quoted prices for Medigap Plan K were about 17% higher than the least-expensive Plan K policy in the area. Get details on AARP/UHC's rates for Medigap Plan K In each of the locations used for this review, AARP/UnitedHealthcare only offered Plan K with wellness extras included.
* AARP/UHC Medigap Plan K policies offered in Fort Collins, Colorado, automatically include wellness extras. Plan LOn average, UnitedHealthcare’s quoted prices for Medigap Plan L were about 32% higher than the least-expensive Plan L policy in the area. Get details on AARP/UHC's rates for Medigap Plan L In each of the locations used for this review, AARP/UnitedHealthcare only offered Plan L with wellness extras included.
* AARP/UHC Medigap Plan L policies offered in Fort Collins, Colorado, automatically include wellness extras. Plan NOn average, AARP/UnitedHealthcare’s lowest quoted prices for non-Select Medigap Plan N policies were about 26% higher than the least-expensive Plan N policy in the area.
Get details on AARP/UHC's rates for Medigap Plan N When the option was offered, adding wellness extras cost an average of $17.60 per month. Opting for a Medicare Select version of Plan N offered an average savings of $5.88 compared with standard Plan N without wellness extras, and an average savings of $23.48 compared with standard Plan N + wellness extras. (UnitedHealthcare doesn’t offer Select Plan N without wellness extras in any of the states used for this review.)
* AARP/UHC Medigap Plan N policies offered in Fort Collins, Colorado, automatically include wellness extras. AARP membershipYou need to have an AARP membership to enroll in an AARP-branded insurance policy. An AARP membership generally costs $16 per year. Discounts are available if you sign up for automatic renewal or longer memberships terms. DiscountsHere are several discounts AARP and UnitedHealthcare offer to some Medicare Supplement Insurance applicants:
Available discounts can vary according to factors such as your location, household status and how you apply for a policy. UnitedHealthcare’s spending on care
71.7% for member benefitsMedicare Supplement Insurance providers are required to report data on the premiums they collect and how much they spend to provide benefits for members. Based on the most recent year of data, AARP/UnitedHealthcare Medicare Supplement Insurance plans spend about 71.7% of premiums on member benefits [4]. (The other 28.3% goes to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all providers is 72.3%. The minimum required by law for individual Medigap policies is 60% [5]. Member complaints63% below averageMembers file complaints about AARP/UnitedHealthcare Medicare Supplement Insurance plans at a rate almost 63% below the average for all Medigap plans. This is according to three years’ worth of data from the National Association of Insurance Commissioners for UnitedHealthcare and its subsidiaries that sell Medigap policies [6]. Other types of insurance offered by UnitedHealthcare and those subsidiaries don’t have as few complaints, with complaint rates across all policy types about 7% above the average for all insurers over the same three years of data. Customer serviceHere’s how AARP/UnitedHealthcare Medigap members can contact customer service:
Third-party ratings
There are a few companies that weigh in on customers’ experiences with insurers or the strength of the company in question, and we’ve included two here: American Customer Satisfaction Index: 74 out of 100 The American Customer Satisfaction Index, or ACSI, rates consumer satisfaction with products and services based on a scientific model developed at the University of Michigan. Ratings are derived from surveys that measure consumers’ expectations and perceived quality and value of products and services. In 2021, UnitedHealthcare scored 74 out of 100 on the ACSI health insurance satisfaction benchmark [7]. ACSI measures satisfaction with the health insurance industry as a whole — the benchmark isn’t specific to Medicare Supplement Insurance. For comparison, the highest score was 75 and the health insurance industry average was 73. AM Best Financial Strength Rating: A+ AM Best is a credit rating agency that specializes in the insurance industry. In December 2021, AM Best upgraded its Financial Strength Rating, or FSR, from A (Excellent) to A+ (Superior) for the majority of UnitedHealth Group subsidiaries, including all of the rated subsidiaries that offer Medicare Supplement Insurance [8]. An A+ rating in this category indicates that AM Best believes the UnitedHealth Group subsidiaries have a superior ability to meet their ongoing insurance obligations.
Compare alternativesHere's how Medicare Supplement Insurance providers compare with AARP/UnitedHealthcare. About AARPAARP is a nonprofit interest group and advocacy organization. It advocates for local, state and national policies on behalf of older Americans. AARP members can access benefits through the organization, including discounts on products and services. About UnitedHealthcareUnitedHealthcare is part of UnitedHealth Group, which is headquartered in Minnetonka, Minnesota. It's the largest health insurance company in the U.S. The company offers individual- and employer-based health insurance plans, Medicare and Medicaid plans, dental and vision plans and other types of supplemental insurance. In 2021, UnitedHealthcare reported $222.9 billion in revenue. Find the right Medicare Supplement Insurance planBecause Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048). ARTICLE SOURCES
Is AARP the same as Uhc?UnitedHealthcare Insurance Company (UnitedHealthcare) is the exclusive insurer of AARP Medicare Supplement insurance plans.
What is the most popular AARP Medicare Supplement plan?By and large, Plan F is the most popular Medicare Supplement plan due to its coverage of more out-of-pocket Medicare costs than any other Medigap plan type.
What are the top 5 Medicare supplement plans?Best Medicare Supplement Insurance Companies of 2023. Best Overall: AARP / UnitedHealthcare.. Most Medigap Plan Types: Blue Cross Blue Shield.. Best Medigap High-Deductible Plan G Provider: Mutual of Omaha.. Lowest Cost High-Deductible Plan G: Humana.. Best for Financial Strength: State Farm.. What kind of insurance does AARP offer?Although AARP is not an insurance company, it offers healthcare insurance plans through United Healthcare. The plans include Medicare Part D prescription drug coverage and Medigap. United Healthcare is a nationwide health insurance company, with reported 2019 revenue of $242.2 billion.
|