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ARTICLE AARP® Medicare Supplement Insurance Plans

AARP® Medicare Supplement Insurance Plans

Medicare supplement insurance plans are plans sold by private insurance companies to help limit 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 Original Medicare Parts A and B, these plans offer a variety of coverage choices to help supplement Original Medicare Parts A & B and help reduce some of their health care costs.

Why should an employer consider AARP Medicare Supplement Insurance?
You can rest easy knowing UnitedHealthcare will be handling your retiree's 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—the 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 UnitedHealthcare's service and support from start to finish, including assistance with onboarding, enrollment events, presentations and follow up with your retirees.
  • Rate stability—AARP Medicare Supplement rates are stable and have historically increased an average of 4% from 2008 to 2012.2

How many plans can employers choose from?
There are seven 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 can stand alone or 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., and most U.S. territories.

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

  • The freedom to choose any doctor or specialist that accepts Medicare patients because there is no provider network requirement.
  • Virtually no claim forms.
  • No pre-existing condition exclusion if replacing coverage.
  • Predictable out-of-pocket costs including some plans that cover part or all of Medicare deductibles.
  • Guaranteed renewable coverage as long as premiums are paid on time and no material misstatement is made on the application.
  • Value-added services like routine vision discounts.
  • Coverage that travels nationwide.

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

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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 purposes 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). 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.

2AARP Medicare Supplement Insurance Plan annual rate increases have been [4%] on Average between [2008 and 2012] (the base rate increases vary by specific plan, by state, and by year). From a report prepared for UnitedHealthcare Insurance Company by ORC International, "Substantiation of Advertising Claims Concerning AARP Medicare Supplement Insurance Plans," [March 2012], [www.uhcmedsupstats.com] or call [1-800-523-5800] to request a copy of the full report.