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Medicare Supplement Insurance Plan Costs
Get help with some of the costs Medicare Parts A and B (Original Medicare) won't pay for, with a Medicare Supplement insurance plan.
UnitedHealthcare offers three Medicare Supplement plans in Massachusetts with different costs and levels of coverage. When choosing a Medicare Supplement plan, it's a good idea to think about things like premiums, your out-of-pocket medical expenses and what Original Medicare will and will not cover.
What costs are associated with Medicare and Medicare Supplement plans?
Your costs can include:
Monthly premium
A monthly premium is the fee you pay to the plan in exchange for coverage. Each Medicare Supplement plan has a different monthly premium.
Deductible
A deductible is the amount you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay. It’s a pre-set, fixed cost. Most Medicare Supplement plans provide coverage for your Part A hospital deductible. In most cases, you’re responsible for your Medicare Part B deductible, which is an annual cost of $233 in 2022 and $226 in 2023.
Copayment (Copay)/Coinsurance
Copayment (also known as a copay) and coinsurance are a kind of cost sharing. A copay is a set, flat amount paid each time, such as a $20 copay for each in-office doctor visit. Coinsurance requires you to pay a percentage of the Medicare-approved amount each time.
Out-of-pocket limit/maximum
This is a maximum amount of out-of-pocket costs you pay per calendar year. Since Medicare Parts A and B don’t have an out-of-pocket maximum, your out-of-pocket medical expenses can add up to hundreds or thousands per year. Medicare Supplement plans are designed to help cover some of these costs.
Shop plans in your area
See AARP Medicare Supplement Insurance plans where you live—and compare costs and benefits side-by-side.
How do Medicare Supplement plans provide more coverage than Original Medicare alone?
Medicare
Pays its share of your health care costs
Part A
- Inpatient hospital stays
- Skilled nursing facility
- Hospice
- Home health care
Part B
- Doctor's services
- Hospital outpatient care
- Durable medical equipment
- Home health care
- Some preventive services
You Pay
Out-of-Pocket Costs
- Deductibles
- Coinsurance
- Copayments
- Monthly premium
- Annual deductible
- Coinsurance
- Copayments
Medigap
Helps fill in some of the gaps of Medicare
Medicare Supplement plans are designed to help you pay some of the out-of-pocket costs associated with Original Medicare. Benefits and costs vary depending upon the plan selected.
How do I decide which Medicare Supplement plan is right for me?
Your health needs and budget will help you decide which Medicare Supplement plan might be best for you.
Prefer to have more coverage and less out-of-pocket expense?
If yes, then AARP Medicare Supplement 1 Plans, if eligible*, or Supplement 1A Plan may be right for you. This plan typically has a higher premium and offer the most supplemental coverage, paying up to 100% of your out-of-pocket costs for many Medicare-approved services.
Prefer to have a lower monthly premium with out-of-pocket expenses based on your need?
If yes, then AARP Medicare Supplement Core Plan may be right for you.
AARP® Medicare Supplement Core Plan
Covers the Part A coinsurance plus coverage for the first 90 days per benefit period (not including the Medicare Part A deductible) and the 60 Medicare lifetime reserve days, plus coverage for 365 additional days after Medicare benefits end, Part B coinsurance, first 3 pints of blood each year, Part A Hospice coinsurance and certain state-mandated services.
AARP® Medicare Supplement 1 Plan*
Provides the same benefits as the Core Plan, and additionally includes benefits for the Medicare Part A inpatient hospital deductible, Medicare Part B annual deductible, skilled nursing facility coinsurance, foreign travel, and certain state-mandated services.
AARP® Medicare Supplement 1A Plan
Provides the same benefits as the Supplement 1 Plan except that 1A does not include the Medicare Part B annual deductible benefit.
*You may only apply for Medicare Supplement 1 Plan if you were first eligible for Medicare before 2020.
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Get a Free Decision Guide
The Decision Guide provides you with information about AARP Medicare Supplement Plans.
View Important Disclosures Below
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.
You must be an AARP member to enroll in an AARP Medicare Supplement Plan.
Insured by UnitedHealthcare Insurance Company, Hartford, CT (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents). Policy Form No. GRP 79171 GPS-1 (G-36000-4).
Plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER SHOWN.
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