AARP UnitedHealthcare Medicare Supplement Review
Ranked No. 1 by Newsweek for customer service, we believe that UnitedHealthcare makes customer satisfaction a top priority. Our No. 1 pick provides customers with access to an extensive network of providers and pharmacies, along with hearing aid and vision discounts.
95% consumer satisfaction rating
Good variety of extra benefits provided
Liberal underwriting process
Numerous plan options available nationwide
Premiums not as low as some other companies
Requires an AARP membership to initially enroll, which adds a slight expense
AARP UnitedHealthcare Medicare Supplement insurance is among the most well-known health insurance options in the nation. What you may not know is that AARP is underwritten and operated by United Healthcare. AARP endorses the product and offers some of the extra value-added benefits that come with coverage.
United Healthcare, which is owned and operated by UnitedHealth Group, is the largest Medicare Insurer in America (based on revenue and total members), according to ValuePenguin.
AARP UnitedHealthcare Medicare Supplement Insurance is our highest rated product. This Medicare Supplement insurance was chosen because it's a good combination of value, service, and extra benefits. AARP UnitedHealthcare Medicare Supplement is a good fit for anyone who wants quality coverage at a reasonable price from a respected insurance company.
Who recommends AARP UnitedHealthcare Medicare Supplement Insurance?
- Caring.com ranks AARP among the top 10 best Medicare Supplement insurers.
- Paying For Senior Care listed AARP among the best Medicare Supplement companies of 2020.
- The company is a 2020 CMS Health Equity Award winner.
- Fitch rating agency rated United Healthcare as AA-.
- A.M. Best rated United Healthcare as A-.
How does AARP UnitedHealthcare Medicare Supplement insurance work?
Medicare Supplement insurance is also called Medigap coverage because it is designed to close some of the gaps in Original Medicare. These gaps in Original Medicare are the amounts that you are normally expected to pay. They include:
- Part A deductible ($1,408 for 2020)
- Part A coinsurance
- Part B deductible ($198 for 2020)
- Part B coinsurance (20% of all Part B expenses)
- Part B excess-charges (up to 15% of some Part B expenses)
Depending on your health experience during any given year, these costs can add up. Unfortunately, there is no out-of-pocket spending cap for Original Medicare. This means the costs you can be responsible for paying are unlimited.
This is where Medigap coverage helps. Medigap insurance is issued in standardized plans that are classified by letters (A, B, C, D, F, G, K, L, M, and N). Each of these plans covers a different combination of the gaps in Original Medicare. Plan A is the least comprehensive of the plans, while F and G are the most comprehensive.
Plan F and Plan C are only available to individuals who were eligible for Medicare before 2020. If you were eligible for Medicare before 2020 but didn't have either one of these plans, you can enroll in them now. Plan G is a good alternative to Plan F, offering comparable coverage.
Note that in Massachusetts, Minnesota, and Wisconsin, there are different standardized plan options available. For this reason, it is a good idea to contact a local health insurance agent for more information on what enrollment choices you have in these states.
When you use Medicare Parts A or B services, Original Medicare pays its share of the cost, and your AARP UnitedHealthcare Medicare Supplement plan will pay the amounts it's required to. You will pay any remaining amount due. Medigap plans substantially reduce your out-of-pocket costs for health care.
How does AARP UnitedHealthcare Medicare Supplement pricing work?
United Healthcare is known for using a community rating system to set their premiums. This means everyone pays the same base premium, regardless of age. This results in relatively higher premiums for younger people and lower premiums for older people.
AARP UnitedHealthcare Medicare Supplement plans do offer several discounts, including:
- Enrollment discounts (if you enroll in Medigap within the first 10 years of eligibility)
- Household discounts for multiple enrollees in the same home
- Automatic payment discounts when you set up automatic payments
- Annual payment discounts when you pay your full yearly premium in one lump sum
Note: Some of these discounts can't be combined.
Do I have to use a network of doctors with AARP UnitedHealthcare Medicare Supplement insurance?
Absolutely not. Since AARP UnitedHealthcare Medicare Supplement insurance works with Original Medicare, you are free to see any doctor in the nation who accepts Medicare patients.
It's important to keep in mind that only Medicare-approved services and procedures are covered. This means if you receive non-approved services or procedures, you'll have to pay the full cost out of pocket.
How do AARP UnitedHealthcare Medicare Supplement plans compare to other insurance providers?
AARP UnitedHealthcare Medicare Supplement plans by UnitedHealthcare was our No. 1-rated Medigap provider. The company scored highly in all categories. When comparing Medicare Supplement insurance, it's important to keep in mind that the plan benefits (what it covers, how much you pay, etc.) are standardized across the industry. This means that the basic benefits are the same for each insurance company. Because of this, you should compare plans based on:
- Premium cost (each company sets its own prices)
- Financial strength of provider
- Customer service
- Extra benefits provided beyond standardized requirements
As you would expect from our top overall company, United Healthcare scores highly in each of these areas.
What makes AARP UnitedHealthcare Medicare plans stand out from the rest?
AARP UnitedHealthcare Medicare Supplement insurance from United Healthcare is available in all 50 states. Wisconsin, Minnesota, and Massachusetts have their own Medicare Supplement rules and regulations.
AARP plans from UnitedHealthcare have some of the most liberal underwriting requirements. This means you may be able to get Medigap coverage much easier from United Healthcare, when other companies might charge you a higher premium or decline your application altogether.
These plans also come with a rich blend of extra benefits. These benefits take the form of discounts and access to services that go beyond the standardized Medigap benefits. These extra benefits vary by state, but often include:
- Vision and hearing discounts
- Free 24-hour nurse health line
- Fitness memberships
- AARP Staying Sharp
How do I know if I'm eligible to enroll in an AARP UnitedHealthcare Medicare Supplement insurance?
You must be enrolled in both Medicare Part A and Part B to add Medigap coverage. In addition, most states require you to be age 65 or older to enroll.
The best time to get Medigap coverage is when you enter your Medigap Open Enrollment Period, which begins when both of the following are true:
- You are enrolled in Part B, and
- You are at least 65 years old
During this six-month period, you can't be declined for Medigap coverage. You also can't be charged more due to preexisting health conditions. If you don't enroll in Medigap during this period, you may not be able to get coverage later, or you may pay more based on your health due to having to undergo medical underwriting. This is why it's recommended to get coverage during your Open Enrollment Period if you want to enroll in an AARP UnitedHealthcare Medicare Supplement plan.
High customer satisfaction
AARP UnitedHealthcare has a 95% satisfaction.
AARP UnitedHealthcare customers only see an average annual rate increase of 2.8%.
Hearing and vision discounts
Perks include discounts on hearing and vision coverage.
By: Courtney Schmidt, Pharm.D.
Dr. Courtney Schmidt is a clinical consultant pharmacist and geriatric care expert. Since completing her Pharm.D. at the University of Florida., Dr. Schmidt has worked in multiple clinical settings and has served as an Adjunct Professor at the University of Central Florida.
After almost 7 years, I have had no complaints
After almost 7 years, I have had no complaints. My county has an office (well, a person) who will help you make the various choices needed when you first enroll, and this was very helpful. I have had no issues and virtually no expenses since I started Medicare with UnitedHealthcare. (ConsumerAffairs)
I am so pleased that I have this supplemental coverage
I have used my insurance this year for a trip to the emergency room for my wrist with follow up visits to an orthopedic surgeon, dermatology procedures, and shoulder surgery (superior capsular reconstruction) with physical therapy. I have paid ZERO out of pocket for all of this. I anticipate more dermatology procedures and possibly surgery on the other shoulder. I am so pleased that I have this supplemental coverage. It has been an easy journey too, with no hassles regarding claims. (ConsumerAffairs)
The cost is reasonable and affordable
I have had United Health for 3 years and have never had to pay for any doctors' bills. They have covered all visits and any procedures above what Medicare didn't cover. The cost is reasonable and affordable. They do a good job with wellness preventative care as well. (ConsumerAffairs)