Skip to main content
AARP Medicare Plans from UnitedHealthcare AARP Medicare Plans from UnitedHealthcare United HealthCare United HealthCare
UnitedHealthcare Insurance Company
AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company, or UnitedHealthcare Insurance Company of America, or United Healthcare Insurance Company of New York.
(UnitedHealthcare)
  • Saved Icon Saved
  • For Plan Members Icon For Plan Members
  • Menu Icon Menu
  • Phone Icon
    TFN Modal Close

    Questions? We're ready to help.

    Call UnitedHealthcare at:
    FED TFN (TTY 711) (toll free)

    8 a.m. - 8 p.m., 7 days a week.

    Already a member? Call the number on the back of your member ID card.

    MO10050ST

    Call UnitedHealthcare at:
    MEDSUPP TFN
     (TTY 711) (toll free)

    7 a.m. - 11 p.m. ET, Monday - Friday
    9 a.m. - 5 p.m. ET, Saturday.

    Already a member? Call the number on the back of your member ID card.

    MO10050ST

  • UnitedHealthcare uhc.com

    UnitedHealthcare Individual and Family Marketplace (ACA) plans

    Individual & family plans - short term, dental & more

    Medicaid plans

    Small business plans

  • Are you a Medicare Plan Member?
    Go to Member Site to Sign In or Register for an account

    Are you a Medicare Plan Member?
    Go to Member Site to Sign In or Register for an account

    Plan through your employer?
    Sign in to myuhc.com

    Sign in to myuhc.com

Please enter a search term
UnitedHealthcare Insurance Company or an affiliate (UnitedHealthcare)
  • Medicare
  • Home
  • Shop

    Get help making the right decision when shopping for coverage.

    Enroll

    Ready to enroll? Need to brush up on enrollment basics? See more here.

    Member Resources

    Get plan information, forms and documents you may need now or in the future.

    Plan Types

    Medicare Advantage Plans

    Dual Special Needs Plans

    [[state-start:AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,NE,MP,NV,NH,NJ,NM,NY,NC,ND,OH,OK,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY,null]]Medicare Supplement Plans [[state-end]]

    [[state-start:OR]]Medicare Supplement Plans [[state-end]]

    Medicare Prescription Drug Plans

    All United Healthcare Insurance Plans

    Tools to help you choose a plan

    Get a Plan Recommendation

    Estimate Drug Costs

    Search for a Pharmacy

    Search Doctors

    Search Dentists

    Find plans in your area
    Error: Please enter a valid ZIP Code

    Request More Help and Information

  • Introduction to Medicare

    Introduction

    Eligibility

    Coverage Options

    Prescriptions, Providers & Benefits

    Medicare Cost Basics

    More about Medicare

    Articles and Special Topics

    Types of Plans

    Overview of Plans

    Medicare Advantage Plans

    Medicare Supplement Insurance

    Medicare Prescription Drug Plans

    Special Needs Plans

    FAQ

    Medicare FAQ

    Glossary

    Medicare Enrollment

    When to Enroll

    How to Enroll

    Changing Plans

    Working Past 65

    Get Your Free Medicare Guide

    Learn more about how Medicare works,
    coverage options and when to enroll.

    Thank You!

    Your guide will arrive in your inbox shortly.

    Error: Please enter a valid email address.
  • Saved

    My Saved Items
    Welcome

    This plan has been saved to your profile.

    A plan has been removed from your profile.

    No plans or drugs have been saved.


    Sign In to see your saved items
    Sign Out
You are in Agent mode
Please enter a search term.
For Plan Members

Are you a Medicare Plan Member?
Go to Member Site to Sign In or Register for an account

Plan through your employer?
Sign in to myuhc.com

Sign in to myuhc.com

Main Menu
  • Home
  • Medicare

Are you a Plan Member?

Go to the Member Site to Sign In or Register for an account.

Go to the Member Site external icon
Go to the Member Site external icon
Shop For a Plan

Shop

Get help making the right decision when shopping for coverage.

Enroll

Ready to enroll? Need to brush up on enrollment basics? See more here.

Member Resources

Get plan information, forms and documents you may need now or in the future.

Find plans in your area
Please enter a valid zip code.

Request More Help and Information

Shop For a Plan
Plan Types

Medicare Advantage Plans

Dual Special Needs Plans

[[state-start:AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,NE,MP,NV,NH,NJ,NM,NY,NC,ND,OH,OK,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,VA,WA,DC,WV,WI,WY,null]]Medicare Supplement Plans [[state-end]]

[[state-start:OR]]Medicare Supplement Plans [[state-end]]

Medicare Prescription Drug Plans

All United Healthcare Insurance Plans

Shop For a Plan
Tools to help you choose a plan

Get a Plan Recommendation

Estimate Drug Costs

Search for a Pharmacy

Search Doctors

Search Dentists

Learn About Medicare

Get Your Free Medicare Guide

Learn more about how Medicare works,
coverage options and when to enroll.

Thank You!

Your guide will arrive in your inbox shortly.

Please enter a valid email address.
Learn About Medicare
Introduction to Medicare

Introduction

Eligibility

Coverage Options

Prescriptions, Providers & Benefits

Medicare Cost Basics

Learn About Medicare
Types of Plans

Overview of Plans

Medicare Advantage Plans

Medicare Supplement Insurance

Medicare Prescription Drug Plans

Special Needs Plans

Learn About Medicare
Medicare Enrollment

When to Enroll

How to Enroll

Changing Plans

Working Past 65

Learn About Medicare
More about Medicare

Articles and Special Topics

Learn About Medicare
FAQ

Medicare FAQ

Glossary

Other Sites

UnitedHealthcare uhc.com

UnitedHealthcare Individual and Family Marketplace (ACA) plans

Individual & family plans - short term, dental & more

Medicaid plans

Small business plans

AARP Membership

Join AARP

Renew AARP Membership

AARP Member Benefits

You are in Agent mode
Close
  1. Home
  2. Medicare
  3. Shop for Medicare Plans
  4. Estimate Costs
  5. Medicare Supplement Plan Costs
Geolocation: %2CMA

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.

Geolocation: %2CMA

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.

Geolocation: %2CMA

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.

 

Geolocation: %2CMA

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.

Geolocation: %2CMA

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.

Geolocation: %2CMA

Find a Plan

Call Us

Call UnitedHealthcare at FED TFN, TTY 711 (toll-free)

 

Hours: 8 a.m. – 8 p.m.

7 days a week

Call UnitedHealthcare at MEDSUPP TFN, TTY 711 (toll-free)

 

Hours:

7 a.m. to 11 p.m. ET,

Monday – Friday

9 a.m. to 5 p.m. ET, Saturday

Meet with Us

Make an appointment with a licensed insurance agent/producer in your area

Find an Agent - opens in a new tab
Geolocation: %2CMA

Get a Free Decision Guide

 

The Decision Guide provides you with information about AARP Medicare Supplement Plans.

Request a Guide Now
Geolocation: %2CMA

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.

Geolocation: %2CMA

WB27139MA

Questions? We're ready to help.

TFN Modal Close

Call UnitedHealthcare at:

(TTY 711) (toll free)

Hours: 8 a.m. – 8 p.m., 7 days a week.

Already a member? Call the number on the back of your member ID card.

MO10050ST

(TTY 711) (toll free)

7 a.m. – 11 p.m. ET, Monday-Friday
9 a.m. – 5 p.m. ET, Saturday

Already a member? Call the number on the back of your member ID card.

MO10050ST

Shop Plans

Medicare Advantage Plans

Dual Special Needs Plans

[[state-start:null,AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OH,OK,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,WA,VA,DC,WV,WI,WY]]Medicare Supplement Insurance Plans [[state-end]]

Medicare Prescription Drug Plans

Shop Plans

Medicare Advantage Plans

Dual Special Needs Plans

[[state-start:null,AL,AS,AK,AZ,AR,CA,CO,CT,DE,FL,GA,GU,HI,ID,IL,IN,IA,KS,KY,LA,ME,MD,MA,MI,MN,MS,MO,MT,MP,NE,NV,NH,NJ,NM,NC,ND,OH,OK,OR,PA,PR,RI,SC,SD,TN,TX,UT,VT,VI,WA,VA,DC,WV,WI,WY]]Medicare Supplement Insurance Plans [[state-end]]

Medicare Prescription Drug Plans

Tools & Resources

Get a Plan Recommendation

Estimate Drug Costs

Search for a Pharmacy

Search Doctors

Search Dentists

Tools & Resources

Get a Plan Recommendation

Estimate Drug Costs

Search for a Pharmacy

Search Doctors

Search Dentists

Learn About Medicare

Introduction to Medicare

Eligibility

Coverage Choices

Medicare FAQ

Learn About Medicare

Introduction to Medicare

Eligibility

Coverage Choices

Medicare FAQ

More

About

Contact

Language Assistance

AARP.org

More

About

Contact

Language Assistance

AARP.org

©2023 United HealthCare Services, Inc. All rights reserved.

Last updated: 03/15/2023 at 12:01 AM CT | Y0066_AARPMedicarePlans_M Last updated: 03/15/2023 at 12:01 AM CT | Y0066_UHCMedicareSolutions_M
  • Site Map
  • Privacy Policy
  • Terms of Use
  • Disclaimers
  • Agents & Brokers
  • Accessibility - Opens in new tab

Session Timeout

Close
Need More Time?

Your session is about to expire. You will automatically go back to the
home page in

Learn about the Medicare Advantage plans, Medicare Supplement Insurance plans.

To continue your current session, click "Stay on this page" below.

ATTENTION: We no longer support Internet Explorer (IE) or certain versions of other browsers. Let's upgrade your browser to make sure you all functionality works as intended.

Update now Update later