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AARP Medicare

Christian Worstell

by Christian Worstell | Published April 29, 2021 | Reviewed by John Krahnert

AARP partners with UnitedHealthcare to provide Medicare Supplement Insurance plans (Medigap) and other types of private Medicare plans to seniors around the United States.

Learn more about 2021 AARP Medicare plans and find out if a plan might be right for you.

About AARP

AARP is a nonprofit organization that works to serve the interests of people age 50 and over.

AARP was founded in 1958 by Dr. Ethel Percy Andrus on three primary principles:

  • To promote independence, dignity and purpose for older persons
  • To enhance the quality of life for older persons
  • To encourage older people "to serve, not to be served"

Nearly 38 million Americans are AARP members.1

As a social welfare organization, AARP strives to help improve communities by advocating for issues such as health care and financial security.

AARP listens to community feedback as part of their decision-making process, using surveys, social media, phone calls, emails and other avenues to find out what means the most to their diverse membership. All of this helps guide AARP’s public policy recommendations.

Does AARP Offer Medicare Supplement Plans?

Medicare Supplement Insurance provides coverage for many of the out-of-pocket costs that Original Medicare (Part A and Part B) doesn’t cover, such as deductibles, coinsurance and copayments.

AARP offers Medicare Supplement plans through UnitedHealthcare Insurance Company.

AARP Medicare Supplement Requirements

There are three primary requirements you must meet in order to apply for an AARP Medicare Supplement Insurance plan offered by UnitedHealthcare in 2021.

  • You must be an AARP member and continue to pay your AARP dues. In 2021, the standard yearly price of AARP membership is $16 for your first year.
  • You must be enrolled in both Medicare Part A and Part B.
  • You must reside in the area in which the desired plan is sold. 

If you are under 65 years old and qualify for Medicare because of a disability, you may be able to purchase a Medigap plan. However, not all states require insurance companies to offer plans to beneficiaries under 65. 

AARP Medicare Supplement Plans

There are 10 standardized Medicare Supplement Insurance plans available in most states. Not each of these types of plans is offered by AARP.

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Medicare Supplement Benefits

Part A coinsurance and hospital coverage

Part B coinsurance or copayment

Part A hospice care coinsurance or copayment

First 3 pints of blood

Skilled nursing facility coinsurance

Part A deductible

Part B deductible

Part B excess charges

Foreign travel emergency

Medicare Supplement Benefits A B C* D F1* G1 K2 L3 M N4
Part A coinsurance and hospital coverage
Part B coinsurance or copayment 50% 75%
Part A hospice care coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Skilled nursing facility coinsurance 50% 75%
Part A deductible 50% 75% 50%
Part B deductible
Part B excess charges
Foreign travel emergency 80% 80% 80% 80% 80% 80%

* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or Plan C as long as they are available in your area.

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1 Plans F and G offer high-deductible plans that each have an annual deductible of $2,370 in 2021. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.

2 Plan K has an out-of-pocket yearly limit of $6,220 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

3 Plan L has an out-of-pocket yearly limit of $3,110 in 2021. After you pay the out-of-pocket yearly limit and yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.

4 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.

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AARP Medicare Supplement Availability

There are 8 AARP Medicare Supplement plans offered by UnitedHealthcare in 2021. Depending on where you live, you may be able to find one of the following Medigap plans:

  • Plan A
    Medigap Plan A provides full coverage of Medicare Part A and Part B coinsurance costs, hospice care coinsurance and the first three pints of blood needed for a transfusion.

  • Plan B
    Plan B provides all of the same coverage as Plan A and also includes coverage of the Medicare Part A deductible.

  • Plan C
    All of the benefits in Plan B can be found in Plan C, where you’ll also receive coverage for the Part B deductible, skilled nursing facility coinsurance and 80 percent coverage of emergency care received outside of the United States. 

  • Plan F
    Plan F is the only Medigap plan to provide coverage of all nine Medigap benefit areas. This includes everything found in Plan C along with coverage of Medicare Part B excess charges.

  • Plan G
    Plan G is among the most comprehensive Medigap plans. Plan G provides all of the same benefits as Plan F except for the Medicare Part B deductible. 

  • Plan K
    Plan K provides coverage for 50 percent of the costs for the Medicare Part A deductible, Part B coinsurance, hospice care coinsurance, skilled nursing facility coinsurance and the first three pints of blood.

    Part A coinsurance is covered at 100 percent with Plan K. Plan K also contains an out-of-pocket spending limit of $6,220 in 2021. Once you reach this limit, the plan pays for all covered expenses for the remainder of the year. 

  • Plan L
    Plan L provides coverage for 75 percent of the costs for the Medicare Part A deductible, Part B coinsurance, hospice care coinsurance, skilled nursing facility coinsurance and the first three pints of blood.

    Plan L covers 100 percent of your Part A coinsurance costs. Plan L also has an annual out-of-pocket maximum of $3,110 in 2021, meaning all covered expenses are paid in full for the remainder of the year once this limit is reached. 

  • Plan N
    Plan N is similar to Plan C, with the only exception being Plan N does not provide any coverage for the Medicare Part B deductible.

    While Plan N covers Medicare Part B coinsurance in full, certain types of doctor’s office visits may require a $20 copayment, and emergency room visits that do not result in admission may require a $50 copayment.

Learn more about Medicare Supplement Insurance plans in your state.

AARP Medicare Plans

AARP Medicare Supplement Insurance plans feature the same benefits as all other Medigap plans in 2021, including:

  • Coverage that is accepted by any health care provider who accepts Medicare, all over the United States and U.S. territories
  • No referrals necessary and you may keep your current doctor
  • Once issued, your policy cannot be cancelled due to health problems
  • An annual out-of-pocket spending limit is included with certain plans

You will also have guaranteed issue rights if you sign up for a plan during your Medigap Open Enrollment Period. That means insurance companies are not allowed to use any medical underwriting to determine your rates if you enroll during your Medigap Open Enrollment Period.

You may qualify for guaranteed issue rights for a number of other reasons, depending on your individual situation. 

Benefits of AARP Affiliation

As an AARP member, you’ll receive the following benefits:

  • Discounts on entertainment, groceries, dining, everyday shopping, car rentals, hotels and more
  • Discounts on vision and dental care
  • Help with steering clear of fraud and scams that target older adults
  • Subscription to the AARP magazine with helpful content about health and lifestyle
  • Representation through AARP’s continued advocacy efforts for the betterment of seniors

Is an AARP Medicare Supplement Insurance Plan Right For You?

You don’t have to be an AARP member to benefit from Medicare Supplement Insurance.

Other private insurance companies may offer Medigap plans in your area.

Call to speak with a licensed insurance agent today who can help you compare Medicare Supplement plans that are available where you live.

 

Find Medigap plans in your area.

Find a plan
Or call 1-800-995-4219 to speak with a licensed insurance agent.

 

1 AARP Membership. AARP. Retrieved April 2021, from www.aarp.org/membership.


 

Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.

Resource Center

Compare Medigap Plans 2021

See how the 10 Medigap plans differ. Review our chart for a detailed comparison of Medicare Supplement insurance benefits and compare Medigap options where you live. Read more
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