AARP Medicare Supplement

AARP Medicare Plans Review

Medical bills inevitably climb as we age. Unfortunately, Medicare alone often isn’t enough to cover these mounting health costs. In fact, one study found that Medicare only covers around 65% of the average senior’s medical bills.

AARP members may be eligible for a Medicare Plan insured through UnitedHealthcare Insurance Company or an affiliated company. These Medicare Supplement plans are known as Medigap insurance because they fill the coverage gaps when Medicare doesn’t cover all of your medical bills. You can choose between several types of Medicare Supplement plans depending on the coverage you need. AARP Medicare Plans are available in some states to people who are younger than 65 but eligible for Medicare because of end-stage renal disease or disability.

AARP is known for promoting wellness among older Americans, and its Medicare Plans are no exception. We rated AARP Medicare Plans for great customer service in our review of top Medicare Supplement plans.

Pros
  • Plan Selector tool helps you choose the right plan for your needs
  • Extensive network of providers and pharmacies
  • Provider Locator finds in-network specialists in your area
  • Drug Cost Estimator determines medication costs under various plans
  • Underwritten by UnitedHealthcare, the largest healthcare provider in the world

Cons
  • Must be a member of AARP to qualify

How AARP Medicare Plans Work

The government sets rules for Medicare coverage. Part A covers some surgery and hospital costs. Medicare is available at no cost through the federal government for Americans age 65 and older who qualify for Social Security. Part B covers doctor visits and is available through the government for a monthly premium. Both parts A and B are not full coverage plans.

The plans offered through AARP are considered Medicare Parts C and D. Part D is the name given to private prescription drug coverage for people who have Medicare. Part C is private insurance that bundles Parts A and B and often includes Part D. AARP’s Medicare Plans are available in Parts C and D. Both charge a premium to give you access to certain benefits.

When you have both government-sponsored Medicare and private insurance like an AARP Medicare Plan, coordination of benefits rules dictate which insurance company pays first for eligible medical expenses.

Types of AARP Medicare Plans

There are three main types of AARP Medicare Plans you can choose from. These include the Medicare Advantage, Medicare Supplement and a prescription drug plan.

AARP Medicare Advantage Plans

AARP’s Medicare Advantage Plans are a convenient way to streamline your Medicare coverage. Most of these plans combine Medicare Parts A, B and D coverage in one plan and offer additional benefits.

There are several AARP Medicare Advantage (Part C) Plans to choose from, depending on availability in your area. You may be able to choose from a PPO or HMO plan. These plans offer the advantages of a Medicare Part A or B plan, including hospital stays, doctor visits and prescription drug coverage.

Many plans also include additional features like Renew Active, a fitness benefit program offering gym memberships, enrichment classes and more at no added cost.

AARP Medicare Supplement Plans

AARP Medicare Supplement Plans are ideal for those whose Medicare Part A and B plans are inadequate. These plans provide additional coverage to reduce your copays and deductibles toward doctor visits, hospital stays and other medical expenses. All Medicare Supplement Plans, or Medigap plans, have the same benefits set by the government. Your AARP Supplement Plan will have the same benefits as a Medicare Supplement Plan from any company.

AARP Medicare Supplement Plans receive additional support through At Your Best, a program from UnitedHealthcare. This program offers discount programs, gym memberships, wellness coaching and a 24/7 nurse line. You’ll also receive discounts on hearing aids and screenings.

AARP Medicare Prescription Drug Plans

Medicare Part A and B do not cover prescription drugs. AARP Medicare Prescription Drug Plans can ease some of the financial burdens of medication costs. You are probably eligible for a Prescription Drug Plan if you have Medicare or both Medicare and a Medicare Supplement Plan. AARP Medicare Prescription Drug Plans and similar Medigap plans only cover specific prescriptions, so be sure to check the plan’s drug list to see if the medications you need are included.

AARP Medicare Plan Options
Plan Plan
Benefits*
Features*
AARP Medicare Advantage
(Part C)
– $0 doctor visit copay
– $0 copay for most prescriptions
– Free dental, vision and hearing exams
– Save 40% on OTC medications
– Unlimited Virtual Visits with healthcare providers
– Renew Active fitness program
– Assistance using your plan
AARP Medicare Supplement – Part A coinsurance for hospital costs
– Part B coinsurance or copayment for doctor visits
– Cost of blood transfusions (first 3 pints)
– Hospice / respite care coinsurance or copayment
– At Your Best health program
– Discounts on hearing aids and screenings from HearUSA
– Vision discounts from EyeMed
– May include Part A or B deductibles
AARP Medicare Prescription Drug (Part D) – Savings on prescription drugs, with some copays as low as $0
– Preferred network of pharmacies saves you even more money
– Mail-order pharmacy with home delivery
*Features and benefits available in most plans

AARP Medicare Plan Costs

For any of AARP’s Medicare Plans, you’ll pay a monthly premium plus copays and other out-of-pocket expenses. Premiums and copays depend on several factors, including the type of plan and your ZIP code. You must also be a member of AARP to qualify for an AARP Medicare Plan through UnitedHealthcare. An annual AARP membership is currently $16.

How to Buy AARP Medicare Plans

The AARP Medicare Plan website has helpful Plan Selector tools to walk you through choosing a plan based on your needs and current Medicare coverage. You can choose a plan and the start date, then pay your first premium online or request a mailed invoice. You’ll pay your monthly premium via the same method you make your initial payment.

AARP Medicare Plan Complaints

AARP Medicare Plans receive mostly positive reviews online. ConsumersAdvocate gives the plans 4.5 out of 5 stars and rates the plans especially high for services, reputation, customer experience and financial strength. ConsumerAffairs reviewers grade these plans with 3.6 out of 5 stars. Keep in mind that many of the complaints are about limits of coverage set by the government, which is the same from any Medicare Supplement Plan provider. The Better Business Bureau gives both UnitedHealth Group and AARP an A+ rating.

AARP Medicare Plans Q&A

  • Does AARP offer any Medicare Special Needs Plans?

    Yes, AARP offers insurance to those who qualify to receive care through a contracted network of providers. Drug coverage is included in these plans.

  • Are there ways to save money on prescription drugs with an AARP Part D plan?

    Yes. You can often lower your out-of-pocket expenses by choosing a generic drug and by ordering at least a 3-month supply through a mail-order pharmacy.

  • How can I learn more about Medicare and how AARP Medicare Plans can help?

    The AARP Medicare Plan website has a wide selection of resources to help you learn more about Medicare and find out if an AARP Medicare Plan is right for you.

  • What happens if I don’t renew my Medicare?

    In order to remain eligible for AARP Medicare plans, you must be enrolled in federal medicare.

  • I still have questions about AARP Medicare Plans. Who can I talk to?

    You can chat live with a company representative through their website.

Conclusion

AARP is known for advocacy for people over the age of 50 and for providing many opportunities to save money on services and products. AARP’s membership cost is only $16 to take advantage of these savings as well as the AARP Medicare Plans. Deciding which plan to apply for is simplified with tools available on the website.

AARP Medicare Supplement Reviews

Recent Reviews

Featured Review
January 19 2020 8:31PM

My Medicare advantage plan was no longer offered in my area last year. After looking at all Medicare advantage plans available in my area, UnitedHealthCare AARP MEDICARE ADVANTAGE PLAN PPO was the highest ranked of all 27 plans in my area, so I did some research…

Here is what I like: I had a policy, as stated above, which was no longer offered in my area. I have this policy for three years. What troubles me what is the plan would only pay 50% of the total cost should I have to be in the hospital, add some more “esteemed” hospitals in my area, even though it was a PPO plan My current Medicare Advantage Plan with UHC AARP PPO allows me to go to that more esteemed hospital, though it is out of network.

UHC also offers comprehensive dental with $1500 per year… Most advantage plans do not cover this, or they offer it as an additional feature to pay for UHC provides members, such as me, to purchase $40 worth of approved medical devices and/or medication over-the-counter UHC provides me the ability to speak to a telehealth doctor through my iPad streaming at no copayment for me, and they use for five of the main services It would be difficult for me to envision anyone saying anything negative about this plan.

Robert C.
Tulsa, OK
July 08 2021 2:38AM

IF I COULD GIVE THEM LESS THAN ONE STAR. I would. Let me name the specific plan and product first: My experience is with AARP/Medicare Advantage Plan 2, HMO.

Mi Esposo and I have been with them for several years, and while not totally thrilled; we found the coverage acceptable.

Starting in 2019, I noticed them getting MORE generous with frivolous 'extras' to our Basic Health Coverage (Like $40 dollars-worth of mail-order generic Tums, and Maxi-pads, or cheap generic Aspirin) and at the same time, getting cheap-as-hell paying for our MUCH needed prescriptions and basic coverage to our providers.

I found it harder, and HARDER, to find a specialist that was ACTUALLY CONTRACTED with this plan. Oh, don't get me wrong! Their website is chock-full of specialists and providers listed!

It LOOKS like the most popular Insurance plan on earth. But when it comes right down to calling and making an appointment? NADA. ZIP. NOPE.

"I'm sorry we no longer contract with this plan...." is the most common refrain from a MULTITUDE of local doctors and specialists in my area in Central Arizona. This feels like a 3rd-World health plan.

In January, 2021, my specialist of several years informed me they will "...no longer be contracting with this plan." And kicked me to the curb.

It took me, the patient, a full 25 hours of research and phoning, and more phoning doctors offices that were FALSELY listed as "welcoming new patients" on the AARP.UHC.com Website. MOST of them DID NOT ACCEPT this plan. That was in March, 2021.

By July 7, 2021, when trying to set up another appointment with this NEW specialist, they informed me "...I'm sorry, we no longer contract with this Insurance Company or plan." I have lost TWO PROVIDERS IN FIVE MONTHS due to this lousy insurance company!

#1. There clearly is a problem with this insurance company, and this plan, to be losing so many providers like this. #2. Hey! Aren't I the **paying customer** to this insurance company that plays so fast and loose with health care professionals? This situation is untenable.

This causes me, the patient, excessive WORK just trying to find a specialist for my particular health problem - IT IS ALSO AFFECTING MY ACTUAL HEALTH, preventing me from getting the care I need; and adding extra burdens to my stress, pain, and fatigue from the sheer frustration of trying to TEACH AARP'S Medicare Advantage Plan 2 "Customer Service" operators that the PROVIDER they see listed on their outdated, inaccurate provider list DOES NOT, after all, contract with them ANYMORE!

I should mention this too, speaking of INACCURACY, or should we call it what it is: LYING. My original, long-time, Primary Care Physician retired from his field in 2019.

This stupid, inept, inaccurate, bureaucratic insurance company still has my 2-year retired PCP doctor listed on their website, at the same address, and marked as "accepting new patients"!!

Although their Provider List will never reflect it, this insurance company is losing providers by the herds... I wonder why that is? Well, in the world of business - and that's all the medical industry is after all - a big business, PROVIDERS EXPECT TO BE PAID for the work they do.

In fact (and we won't go into the rightness or wrongness of Doctor's crazy high fees right here) Specialists, especially, expect to BE PAID HANDSOMELY. Apparently, the management and CEO's at AARP Medicare Advantage Plan 2 do not see it that way?

It is apparent they care MORE about their Insurance Company's bottom line PROFITS (And their end-of-year bonuses) - than they do the many senior patients who pay them.

I sincerely warn anyone thinking of burdening themselves with this crummy plan: Don't be fooled by their bells & whistles and Mail-order crap. They don't put their money and efforts where it matters most: YOUR MEDICAL COVERAGE..

Sharon H.
Phoenix, AZ
July 01 2021 8:02PM

Continually misplacing documentation which is needed to forward information to our local hospital for copayment. I have spoken with 4 different people and nothing is ever done. Mind you this patient has been deceased since FEBRUARY 2021.

I think they are trying to scam the hospital since they know there will be no repercussion. Not a very organized insurance company.

CARRIE B.
LAPEER, MI
April 16 2021 1:59AM

United Healthcare declined coverage for my husband's inpatient physical rehabilitation. He had a total knee replacement. They wanted him to go home and sit there alone Monday through Friday from 6:30 a.m. to 5:30 p.m.

Then when I come home exhausted from work I can start caring for him and the dog. They were going to dump him on my daughter. We all work full time. Our daughter lives out of town. Why did UHC nix the government standard Medicare full coverage? Outrageous.

No care for a person's health, safety, well being, only $$$$. Evil, irresponsible, greedy, mean, uncaring, selfish. This should be illegal.

John T.
MILWAUKIE, OR
April 12 2021 11:47PM

We have had AARP coverage for my husband for more than 12 yrs. He is hardly sick and barely uses coverage cuz he’s a veteran and has visits at the clinic. Every 6 months your premium increases. Right now they are deducting $237.55.

Amalia M.
Laredo, TX
March 30 2021 6:51PM

Medicare Advantage is a nationwide SCAM....no one in DC reviews their behavior....people are sleeping at their desk in DC Medicare...

Medicare advantage is perfect for people who never need to see a doctor or enter a hospital... I have Joe ** promising the delivered meals and more and it's all **.

Phillip D.
Ocala, FL
March 19 2021 3:19PM

Never would I recommend the AARP Supplement. The drug costs for me to refill my prescriptions if I use the United Healthcare plan are so high. I cannot use the plan and am refilling them on my own using Good Rx!!

Here are some differences: UH $160; Good Rx $26. UH$76; Good Rx $26. UH$70; Good Rx $23. UH$27; Good Rx $17. We are only 3 months into 2021. Their answer is that this is because I haven’t met my deductible. So it’s OK to overcharge? That shouldn’t matter.

Also, even though my pharmacy is in the network, the computer program will not let me choose them for comparison! It gives me 3 options of their choosing and that’s all I can compare.

There is nothing good about this plan. I had Cigna last year and I’ll be going back in 2022. What a mistake this was.

Susan D.
West Lafayette, IN
December 11 2020 8:23PM

After having this insurance for a year and after 5 months of visits every week, I just found out that now I have a co-pay as of OCTOBER! So I now owe the last 3 months of co-pay. Why?

It seems they say I always had a co-pay (even though I signed up because they did NOT have one) but they deferred it due to COVID back in May and reinstated it, in October. How nice is that to let everyone know EXCEPT the people that HAVE TO PAY IT!

Then I have called 2 days in a row and attempted to speak to their customer service reps that have such heavy accents I continuously had to ask them what they said. I have no patience for ignorance and lack of social skills.

Renee C.
Sanbornton, NH
December 08 2020 3:39PM

They are fine for doctors visits, but be aware - if you ever need life saving treatment or long term care they will find any excuse to DENY your treatment.

My father suffered a stroke in 2019 and needed a long term care facility. He was with a tracheostomy hooked up to a breathing machine, could not move or speak, tubes coming out of every part of his body.

UHC AARP Medicare denied his doctors request to transfer to long term care because "he could breath on his own". He passed away one week later.

I wish these people that so flippantly deny medical treatments would actually see how their callousness affects people. We are not human beings to them, just dollar signs.

Denise K.
Tarpon Sprgs, FL
August 05 2020 8:52PM

I am shopping around for a Medigap Policy. I called AARP UHC to ask a few general questions. An agent by the name of Joe answered my call. He was rude and condescending to the point that I told him, I no longer wanted to do business with him.

Why is it so difficult to get a few questions answered: 1. How many times/yr will rates be increased? 2. What is the average rate increase/yr? 3. How are their policies rated: Community, Issue age, or attained age?

Karen K.
Kenosha, WI
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