AARP® Medicare Supplement insurance plans for retirees
UnitedHealthcare Insurance Company (UnitedHealthcare) is the exclusive insurer of AARP Medicare Supplement insurance plans.
What is AARP Medicare Supplement insurance?
AARP Medicare Supplement plans are insured and sold by private insurance companies like UnitedHealthcare to help limit the out-of-pocket costs associated with Medicare Parts A and B. Supplement plans can help pay for some or all of the costs not covered by Original Medicare — things like coinsurance and deductibles. They are available to retirees age 65 and older who are enrolled in both Original Medicare Parts A and B. Supplement plans are not available in conjunction with Medicare Advantage (Part C) plans.
With a Medicare Supplement plan you have:
Choose any doctor or hospital that accepts Medicare.
Visit any specialist that accepts Medicare — without a referral.
Use coverage anywhere in the U.S. that accepts Medicare when you travel.
Choose from eight AARP Medicare Supplement insurance plans
In most states, there are eight AARP Medicare Supplement plans available nationwide. Plans vary in Massachusetts, Minnesota and Wisconsin. Plans in these states still have the same basic benefits. You will be able to offer your retirees a choice of AARP Medicare Supplement plan options to meet their budget and health needs.
Where are plans available?
AARP Medicare Supplement plans are available in all 50 states, as well as in Washington, D.C. and most U.S. territories.
Why consider AARP Medicare supplement insurance plans for your group?
UnitedHealthcare can help you with a strategic, focused plan for handling administrative demands and cost considerations. Explore some of the benefits available to employers.
Simplified plan administration
UnitedHealthcare streamlines the transition and enrollment process to make things simpler by managing administrative services, billing, claims and more.
Competitive, cost-effective rates1
Because we insure over 4.5 million retirees nationwide1, we're able to keep costs lower nationally.2
Choice of contribution levels
Employers can subsidize all, some or none of the monthly premium retirees will pay.
Employers can elect to have retirees receive enrollment materials, customized with their name. Retirees will also receive a customized, tailored experience when calling to enroll over the phone, or calling for customer service needs.
AARP Medicare Supplement plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP. AARP Medicare Supplement plans are the only Medicare supplement plans to carry the AARP name. Any product or service that carries the AARP brand has been carefully evaluated and selected as one that meets the high service and real quality standards of AARP.
Personalized transition planning and implementation
At UnitedHealthcare, our goal is to partner with you and help your retirees become better-informed health care consumers. Your retirees can expect to learn about their plans through many different outreach methods, including direct mail and phone outreach.
How do these plans benefit retirees?
AARP Medicare Supplement plans offer many benefits to your retirees.
- No network restrictions
- No referrals required
- Stable rates
- Multiple plan options
- Coverage and care that’s available throughout the U.S. Some plans offer coverage for travel outside the U.S.
- Plans are guaranteed for life as long as premiums are paid on time
- Fewer claim forms
- Value-added services, including discounts and more
Combining AARP Medicare Supplement plans with Medicare Part D plans
AARP Medicare Supplement plans combined with group [or individual] Medicare Part D plans, or prescription drug coverage, provide the most comprehensive coverage for your retirees. Combining Medicare Supplement and Part D plans, helps your retirees avoid any additional costs or penalties associated with joining a Part D plan after age 65.
Employers, plan sponsors and brokers can get information and personalized assistance from a UnitedHealthcare representative.
Looking for an individual Medicare Supplement insurance plan?
If your former employer does not provide retirement coverage, consider an AARP Medicare Supplement plan. These plans allow you to choice any doctor, any hospital, anywhere in the U.S. that accepts Medicare.
Have a question or need help with your health plan account?
If you get your UnitedHealthcare plan through your employer or former employer, or have an AARP Medicare plan or UnitedHealthcare® Medicare plan, we’re here to help.
This page is intended to provide employers with information about supplemental group retiree health insurance. If you are an individual interested in AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company, you can find information here.
AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company. UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers. UnitedHealthcare will not make any outbound marketing efforts to potential group retiree members without consent.
- From a report prepared for UnitedHealthcare Insurance Company by Gongos, Inc., “Substantiation of Advertising Claims Concerning AARP Medicare Supplement Insurance Plans,” December 2019, AARP Medicare Supplement Insurance Plan Stats or call 1-800-523-5800 to request a copy of the full report.
- From a report prepared for UnitedHealthcare Insurance Company by Mark Farrah Associates, “Medigap Enrollment & Market Share,” April 2020, AARP Medicare Supplement Insurance Plan Stats or call 1-800-523-5800 to request a copy of the full report.