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 administrative demands, as well as assist with cost management. As an employer you can benefit from:

  • No administrative hassles. UnitedHealthcare streamlines the transition and enrollment process to make things simpler by managing administrative services, billing, claims and more.
  • Competitive, cost-effective rates. AARP Medicare Supplement rates have increased an average of 3.6 percent annually between 2010 and 2014 (varies by specific plan, state and year) 2. We also insure over 3.5 million members2 nationwide, which helps keep costs lower nationally.
  • Choice of contribution levels. Employers can subsidize all, some or none of the monthly premium retirees will pay. Your company also has the option to customize contribution levels for each individual, so not all retirees have to maintain the same subsidy.
  • Trusted reputation. AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP.
  • Personalized transition planning and implementation. The goal of UnitedHealthcare is to partner with you and help your retirees become better-informed health care consumers. To do this, numerous communication touch points are sent using various methods to educate your retirees.

How many plans can employers choose from?

There are seven AARP Medicare Supplement Insurance Plans available nationwide. Massachusetts, Minnesota, and Wisconsin plans vary. You will be able to offer your retirees a choice of insurance plan options to meet their budget and health needs.

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:

  • No networks.
  • Rate stability.
  • Multiple plan options.
  • Plans go with them anywhere they travel in the United States.
  • Guaranteed renewable.3
  • Virtually no claims forms.
  • Value-added services, including vision discounts and more.4Get more information

Call us at 1-800-496-5881 about plans and to ask for a quote.

1Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents) (together, “UnitedHealthcare”).

Not connected with or endorsed by the U.S. Government or the federal Medicare Program.

You must be an AARP member to enroll in an AARP Medicare Supplement Plan.

2From AARP a report prepared for UnitedHealthcare Insurance Company by ORC International, “Substantiation of Advertising Claims Concerning AARP Medicare Supplement Insurance Plans,” March, 2014, or call 1-800-272-2146 to request a copy of the full report.

3 Plans are guaranteed renewable as long as premiums are paid when due and there has been no material misrepresentation on the application.

4 These are additional insured member services apart from the AARP Medicare Supplement Insurance Plan benefits, are not insurance programs, are subject to geographical availability, and may be discontinued at any time.