Medicare supplement insurance plans are health plans sold by private insurance companies to help supplement the costs of traditional Medicare coverage for retirees. These plans are designed to help pay for some or all of the costs that Medicare does not cover, such as coinsurance and deductibles.

AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company.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 Original Medicare plan and reduce their health care costs.

AARP membership is required to participate in the plan. However, if a retiree is not currently a member, UnitedHealthcare will pay for the first-year membership.

Why should an employer consider AARP Medicare Supplement Insurance?

As an employer, wouldn’t it be nice if you 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 your company manage costs. As an employer you can 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 5.4% over the past 5 years. ²

How many plans can employers choose from?
There are up to twelve standardized Medicare Supplement Plans (A-L) 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, at-home recovery and preventive care.

Medicare Supplement plans may also be combined 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., Guam, Puerto Rico and the U.S. Virgin Islands.

How do these plans benefit an employer’s retirees?
Medicare Supplement Plans offer your retirees freedom and flexibility. They'll benefit from:

• The freedom to choose any doctor, specialist and hospital that accepts Medicare because there's no provider network requirement 
• Virtually no claim forms
• No pre-existing condition coverage exclusions if replacing coverage
• Guaranteed renewable coverage as long as premiums are paid on time
• Valuable features like pharmacy and vision discounts
• Coverage when they move or travel within the U.S.

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

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Read our disclaimer

¹ United HealthCare Insurance Company pays a fee to AARP and its affiliate for use of the AARP trademark and other services. Amounts paid are used for the general purposes of AARP and its members.   Neither AARP nor its affiliate is the insurer.  AARP contracts with insurers to make coverage available to its members.

AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company, Ft. Washington, PA, (UnitedHealthCare Insurance Company of New York for New York residents, Islandia, NY) under Policy Form # GRP79171 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.  Contact may be made by United HealthCare or a United HealthCare representative.

² National aggregate figure.  Based on internal company data as of January 2009.  Increases vary by plan, state, and year.