AARP Medicare Supplemental Insurance Reviews

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About AARP Medicare Supplemental Insurance

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

AARP is a well-known company that offers supplemental health insurance for senior citizens looking to fill gaps in their Medicare coverage. The company offers eight Medicare plans through United Healthcare. This supplemental health coverage is available only to AARP members.

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Baltimore, MD
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AARP is a great company. They offer great coverage for many things like hospital stays and visits, yearly checkups and… even teeth cleanings. In addition, they offer a great app t...

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Peoria, AZ
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I have had AARP since I first started on Medicare… To date I have had two operations, six hospital visits, numerous specialists, hospital procedures and blood tests. The only char...

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What is AARP Medicare supplemental insurance?

AARP’s Medicare supplemental insurance is add-on coverage for gaps in seniors’ Medicare policies. Also known as Medigap, this coverage is offered through United Healthcare and helps you handle out-of-pocket expenses not covered by standard Medicare insurance. Members can choose their doctor or hospital (as long as they accept Medicare) with no referral requirements. AARP also won’t cancel your coverage or raise your premiums as a result of your health costs.

AARP Medicare supplement plans

AARP offers 11 Medicare supplement plans, although not all of them are available in every state. All come with the same basic coverage, with additional protections varying by plan. It’s important to note that these plans don’t include long-term care, vision, dental, hearing aid, eyeglass, private nursing or prescription drug coverage.

AARP Medicare provides Part A coverage for inpatient and hospital treatment and Part B coverage for outpatient and medical treatment. Within these categories, AARP’s options include Plans A, B, C, D, F, G, K, L, M and N.

How much does AARP Medicare supplemental insurance cost?

Your AARP Medicare supplement costs depend on various factors, including your age, location and the plan you choose. For example, a 65-year-old woman in Los Angeles might pay between $60 and $195 a month, depending on the plan she selects, while the same woman might pay from $50 to $160 a month in Acorn, Tennessee. A 70-year-old man in New York City is likely to pay $80 to $320 monthly. Note that costs vary widely depending on your situation.

AARP Medicare supplemental insurance FAQ

How much do AARP’s Medicare supplements cost?

Costs for AARP’s Medicare supplements depend on the plan you choose, your age and your location. These rates can range from $70 per month to more than $375.

What does AARP supplemental insurance cover?

AARP supplemental insurance helps with out-of-pocket costs not covered by standard Medicare plans.

Where is AARP Medicare supplemental insurance available?

AARP’s Medicare supplemental coverage is available across the country; your doctor or hospital must accept Medicare, however.

How do I qualify for AARP Medicare supplemental insurance?

To qualify for AARP’s Medicare supplemental coverage, you must be enrolled in Medicare and have an AARP membership (available only to those 65+ years of age).

Is AARP Medicare supplemental insurance any good?

AARP’s Medicare supplements are ideal for seniors who need help with their medical costs. Medicare typically pays for major medical treatments, but sometimes its deductibles and other expenses can break the bank — supplemental insurance makes these costs more manageable. This coverage isn’t the cheapest available, but AARP is a trusted company; overall, Medicare supplemental insurance is a good choice for AARP members.

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AARP Medicare Supplemental Insurance Reviews

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    Page 1 Reviews 0 - 10
    Customer ServiceStaff

    Reviewed April 25, 2025

    Recently enrolled in this plan for Medicare Part D. So far they've already have tried to start this pre-authorization stuff on a medication I was assured they would pay for. That is why I chose this plan. Not a good start. Also, I received an email stating that my premium was past due. After speaking with a rep, I was told the email was regarding the premium for next month that is NOT EVEN DUE yet, which I find very unprofessional.

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    Staff

    Reviewed April 23, 2025

    I have a medigap plan that started at $115 per month premium 4 years ago and now is $171 per month. They start you off with a low premium to get you and then it’s too late. They shouldn’t be allowed to rip off seniors. AARP should be ashamed of themselves promoting United Healthcare.

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      Customer ServiceOnline & App

      Reviewed April 21, 2025

      The application process was unnerving for my husband. We applied online and had to call multiple times only to learn that the application was pending. One customer service after the other all gave different reasons, none of which was that the review was then not submitted to enrollment, nor would it go to underwriting, unless all corrections were made. The first major correction is that the AARP membership address has to match the application. We live in a residence that does not have mail delivery, so we use a PO Box. A PO Box address is unacceptable to AARP, so we changed both to our residence address. Therefore, we didn't get the cards, brochures, or notifications on the application process. A big standstill. You have to call and check every day, but we just learned that each time you contact them, it extends their decision 5-7 working days, so, 8 weeks in and still no resolution.

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      Customer ServiceStaff

      Reviewed Feb. 2, 2025

      I started the AARP plan after using other plans for 22 years. Every plan I have had provided good and bad experiences, until now. The AARP heath care advantage plan has ZERO good points. They overbilled me the first month. They notified me that Gym benefits were no longer available. The customer service number connected me with a nice person who had English as their 3rd language. I was on hold for 20 minutes with insipid "music" then I was disconnected. I could continue on with the litany of horrors but enough. I would advise those who want these experiences to enroll in the AARP plan.

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      CoveragePrice

      Reviewed Jan. 14, 2025

      I started out with United Healthcare. Was impressed at first but now they went up on monthly fee. I was able to go to gym to stay healthy. When they went up on price they took away my free gym membership and all others that went to gym that had the same insurance. I had the premium gym access. Now they want to drop it to a regular gym which don't have half the stuff like YMCA does. Which the closest to me is 55 miles away or they offer on demand workouts. What a joke. The gym was my incentive. Now a lot of seniors won't be able to stay healthy. I recommend never getting this insurance. I will be looking for other company.

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      Price

      Reviewed Nov. 30, 2024

      I get extra help. 2024 I started paying $ 22,90 a month. In 2025 will be $36.20. I am low income and I have medicaid. What about in the future?? Ripoff. A shame for the poor. Am very worry. What if can't afford these prices, am 78. I need my medicines, those, by the way, are generic. Aarp is a bunch of thieves.

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      CoveragePrice

      Reviewed Nov. 20, 2024

      I'm in Wisconsin (has unique requirements and strictures for Part B Supplement plans) & will soon turn 65 and will then be a Medicare client.

      (1) I am considering joining an AARP/UnitedHealthcare Medigap/Part B Supplement policy & noted it was the only one that was "Community Rated", the note by which suggested I'd pay the same premium whether I was 65 or 85. Wasn't the cheapest by far but the "community rated" vs "age rated" premium sounded attractive. Went to sign up, on about the 4th screen, noticed there was a 'discount' of around 50%. What is this? I wondered. Fortunately I'd sent for a brochure... Turns out, the premium escalates as you age and an 86 year old would pay about twice as much as a 65 year old. I consider it deceptive advertising; this is actually age-rated then.

      (2) Many of the one-star reviews confuse Advantage plans with Medigap/Part B Supplement plans. Not at all the same. This category is about Medigap & not about Advantage, so those reviews & complaints don't apply here.

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      Coverage

      Reviewed Sept. 5, 2024

      AARP / United Healthcare refused to accept and honor a claim I filed after AARP / United Healthcare Advantage recouped a $407.90 charge 16 MONTHS after they paid the claim submitted by my service provider. This happened during the time I was changing coverage from a United Healthcare Medicare Advantage Plan to a United Healthcare Supplemental Plan. I was never informed that my coverage had changed before the service was provided, continuing to believe at the time that I was still covered under my Medicare Advantage plan.

      United Healthcare steadfastly held that since the refiled claim and appeal was made more than 12 months later, the claim was denied, regardless of responsibility. I do not know whether Medicare Advantage deliberately or unintentionally waited 16 months to recoup the charge so that any subsequent claim would be denied. Either way the results are the same and I was stuck with the consequences of Medicare Advantage's two failures (1) to validate my coverage in the first instance and, (2) to recoup the charges in a timely manner so that my provider could re-file the claim with United Healthcare. I had no choice to pay my service provider the amount United Healthcare should have paid.

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      Reviewed July 30, 2024

      Be VERY wary of United Health Care Supplemental plans. I have been with them since I first got on Medicare 11 years ago, and up to this point they have been fine, as I've had no problems. The reason I first chose UHC was because their pricing is not "age relate". That is you get a discount the first 10 years, that is reduced each year for the first 10 years, then after that, unlike other plans your price would NOT be increased because of your age. So for the long term that sounded like the more affordable way to go.

      On the first year after the initial 10 years, my $274 a month plan F went to 383.75 about a 40% increase. I have now trying for more than 3 weeks to get someone to look at my account. I have spoken to 4 supervisors, 2 customer advocates, all of whom said they would refer it to the person who could help me, and they would get back to me in a few days. Never heard back, after 11 years you don't expect to be treated like total garbage. Stay away, or definitely switch to another company before your 10 years up. You've been warned.

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      Customer ServiceSales & Marketing

      Reviewed June 9, 2024

      I enrolled in Medicare supplemental and they did the ole bait and switch. They offered the plan for $200 and then after submitted when I was unable to go back on the application screen changed the plan to a plan over $400 per month. I am perfectly healthy and have no underlying health concerns and would fall under the lowest level. The response from customer care was so concerning with a lack of concern and the most generic response offering no solution. A BBB complaint is being filed along with attorney general's complaint and I suggest others in this situation to do the same! This is a scam! I believe there is an insurance commission that you can send a complaint to as well.

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      AARP Medicare Supplemental Insurance Company Information

      Company Name:
      AARP Medicare Supplemental Insurance
      Website:
      www.aarpmedicareplans.com