AARP Medicare Supplemental Insurance Reviews

Everything was fine until AARP miscoded a bill. They said Medicare paid the entire bill. They didn't. I tried to resolve the issue through CS. CS blew me off. Told me to resubmit the bill which I did to no success. I just paid the balance myself. Frustrating!

AARP United Healthcare is the absolute worst for prescription coverage. They 2nd guess everything and it's like not having any coverage at all. Their dental coverage is awful - if you have to have a deep cleaning they don't pay anything - not even the part they would pay for a normal cleaning.

I have been paying for many years on the AARP hospitalization supplement. The cost has been $9.50 per month and covers hospital stays. I used this the first time late last year when I had a 3-day hospital stay. After calling several times to get info on how to file the claim, I was told there was no form. I was told by a second person that I needed to send the hospital discharge paperwork with the beginning and end dates of the stay. I sent the paperwork as directed and heard nothing. After several months, I finally called and spoke to a person with poor English who said it wasn't the right info. Definitely more complicated than it's worth and I've decided that I'm done with the plan. I'll save the $9.50 per month.

Bad. No more healthy food card. I am supposed to eat Tylenol and Band-Aids! My doctor said fruits and veggies? AARP UnitedHealthcare will punish you to stay with them. No wonder they have auto-renew, they don't want you to look anywhere else. Well, I'm shoppin'!

While coverage with aarp/united healthcare seemed to be great while on this insurance, once it was no longer needed it was a nightmare. Canceling both the plan B and the RX seemed like an act of congress. 2 power of attorney’s later (the first should have been enough) and a threat of a lawsuit for fraud, I was finally able to cancel the plans for my FIL who is in a nursing home on state funded insurance. The customer service representative in the US was the ONLY one willing to help. 4 others stationed around the globe did nothing but prolong to agony. When a loved one only receives $45 after state allowable income you expect them to continue to pay for an unnecessary expense. The US based supervisor kept her cool and remembered all of her CS training while calming me down and actually finalizing the insurance.

This is the worst insurance company I ever had, their website very confusing they are next to impossible to contact directly and when you do they can barely speak English, can't wait to change insurance companies, AARP you should be ashamed!!!!

I bet your rates for 2026 went way up-I know mine did and I started to investigate. After a 23% increase on Plan F, I switched to another company as all Medicare Supplement plans must meet the same requirements. After investigating AARP, I found that United Health signed a new contract with AARP at the end of 2025 for $9.1 BILLION to be their "Prefered Health Provider". It appears that AARP gets between 4.95%-5.95% of every dollar you spend on premiums for a supplement policy and a flat fee per month for Medicare Advantage Plans in ADDITION to United Heathcare's payment to AARP for their endorsement. No more AARP for me! It is pure GRAFT!

Prior authorization are most commonly denied. If you have one good luck getting it approved no matter what paperwork you submit. No wonder premiums are free.

I called UHC customer service for two things; 1) change my EFT bank account and 2) pay the premium that had been missed. It took me 1 hour 30 minutes. I was cut off 3 times by their automated system that takes secret info (bank acct, credit card, etc). No reason, it just said it couldn't process the request and hung up. Each time I called back, I got a different rep. The 2nd thru 4th times, I begged them to transfer me back to the previous rep but they beat around the bush saying they couldn't. I had to walk EVERY idiot rep through the entire process FOUR times. The final fourth rep was able to transfer me to an automated system that took my credit card and transferred me back correctly without hanging up. Thank goodness I don't have to deal with them often.

Not only poor coverage but worse Customer Service. Do not go out of network or you will really suffer. Back to CS you will speak to someone from some foreign country and they all say "no worries". Do not expect them to resolve any of your issues. I have an appeal claim in since Dec. 2025 and still no resolution. Shop around for better Medicare Advantage Insurance as AARP/UHC is not the one. I even received an $800 bill for lab services that are 100% covered. Do yourself a favor and do your homework.

When initially enrolled thru a representative she failed to mention that I needed to be a AARP member. 2 weeks later I receive a call and a letter stating my application cannot be processed without a AARP membership. Today 2 hours chatting on United Healthcare website and still couldn't get AI or chat computer to even understand what I needed to do. Calling the 800 number on letter representative was quick to transfer me to someone else then transferred again, then placed on hold and transferred again. Finally representative who spoke very little English said I didn't need to update anything, that system updates automatically when I joined AARP. WHAT A WASTE OF TIME.

So many things have been unpleasant about the drug plan! From the bumbling idiocy in a system that requires step therapy and being told by a pharmacy tech that UHC said that I first needed to take a drug that I had already been prescribed to a co-pay for a drug that amounted to about 90% of the drug cost with UHC only chipping in around seven bucks to the latest aggravation -- trying to get affordable coverage for a limited distribution drug! Initially it sounded like good news to hear from one of the UHC reps that the drug would be covered. It's taken about 3 months to gain access to the drug.

For so many years, I did not need a referral from my Primary Doctor to see a specialist. Not so easy with some doctors due to their insufficient office staffing. It’s Just another pain in the ass. As we get older, things should get easier. Thanks for bailing on this one AARP.

Be aware and review every year. It gets jacked up. My husband got his United Health Caste plan in Oct 2025. When renewal came around he received a notice the out of pocket deductible went up $500 but didn’t tell us the prescription deductible also went up by 120 and 1 medication went from $49 per month to 185 per month. He’s on 10 meds. Fool me once shame on you. Won’t happen again.

I was assisted by Bria and she is wonderful customer service. Dr **'s office has the best has the best customer service. Brian answered all of my questions and was very kind.

We have been with AARP Medigap plan f for almost 15 years and it has been a positive experience until now. Plan F no longer accepts new enrolment, this causes large premium increases and united healthcare will not let us transfer to plan G which is less expensive. I would not recommend aarp medigap supplemental plans because at some point no one but Warren Buffet will be able to afford plan f because ever decreasing pool of insured.

While I haven't had any issues with coverage, I recently switched to another Medicare supplement company. UnitedHealthcare took out the next month's premium. I called to get a credit on Dec 2 and the rep seemed more confused than me and said I would be getting a credit since the premium was already debited from my checking account. A week later, Dec 9, I called as I have not received the credit, and I was told it would take 15 days to credit my account. I told him this was unacceptable. He put me on hold multiple times then said 10 - 15 days for the refund to be processed which should not have been deducted in the first place. The another person came on and told me it would be 30 days for the refund to be processed??? This is insane!

My MRI copay is $225 and the total cost is $335.08 and AARP pays $110.08 (in network). Out of network 40% of the cost which I would have to pay $201.05. How is this beneficial to me when I am paying premiums and the lionshare of the cost of service.

Not worth the money. AARP should be embarrassed by these programs. I cancelled my supplement in April of 2025 and have found that paying the 20% that Medicare does not pay is much less expensive than than AARP's supplement insurance thru United Healthcare. I think AARP counts on seniors believing they are looking out for us when they are just another indifferent large organization. Do you think a large insurance company like United Healthcare is looking out for anyone other than themselves and their top executives??

I agree with the previous negative reviews. I have not been able to get any of my prescriptions covered. They are common prescriptions like **, ** and asthma inhalers. First, they said that I was using the wrong pharmacy. They said that CVS is not a tier 1 pharmacy and that Walgreens is tier 1. Then they said that ** must be called ** to be considered the generic brand. Then they said that my doctor did not give my condition as a condition that Medicare considers valid for **. After all the run around with the inhalers, they said that there are no tier 1 inhalers for asthma. I wish that I had not signed up for this.

While I have had very good experiences from United Health Care, I have also had bad ones. The good experience was a representative helping me get a difficult to get provider. The bad one was when they agreed to pay for my out of pocket dental cleaning, $68, and I sent them the info in writing, they never paid it. Then they wanted me to send the info again in writing. Why on earth would I do that?

I just received a letter from AARP/United Healthcare stating they will not cover One Touch Meters they will only Accucheck or Contour meters that are the old prick your finger meters. I have had the One Touch for five years. Having the ability to check my sugars 10 or 15 times a day and adjust my insulin based on better information has lowered my A1C three points to 6.5. This has become important to my health. I am currently the longest time with a Xenotransplant of a genetically edited pig kidney. This is cutting edge science that requires multiple readings daily. Having less information to adjust my meds is critical important to the health of my kidney and therefore my health. I feel you are risking my health by removing to vital tool.

Not easy to find providers that accept this policy. Customer service not very helpful. Frustrating spend all day and only found one doctor when I actually needed three. Will try again tomorrow. Be very patient.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Absolutely the worst Medicare supplemental insurance. I switched to them specifically to obtain hearing aids. They were advertised as $99 per aid. Called them. Couldn't get a real person for about 15 minutes and when they did they didn't speak good English and I couldn't understand them. Finally found out these are over the counter hearing aids but they said I could get aids for a hearing aid center for $199 per aid. Nope.... they are in "negotiations" with the hearing aid manufacturers now. I'm afraid to even make any doctors appointments as I don't feel like they will even cover anything!!!!. Guess I don't to the doctor this year.

There is more than can be said here, but this will provide a general impression: UHC does not use email to process claims--only SnailMail or fax. UHC requires 30 days to confirm receipt of a fax! You cannot follow up on a claim issue with a specific rep. Every time you call, you will explain every detail of every issue every time. Websites and passwords frequently change. Do not use a symbol character in your password. The system will not recognize you or permit you to log on and will not tell you what you're doing "wrong." Know your co-pay. You may be told it is higher than it actually is.

I switched from Blue Cross Blue Shield to AARP Medicare Advantage last year and I will not be back next year. I have had recurring issues with them paying what they say they are going to pay. For instance, on their summary of benefits, there is no mention on in or out of network. It just states that there is a $200 eyeglasses benefit. So I went to my enycare provider and bought glasses. I submitted the claim and it was denied because they said it was out of network/ I said it is a PPO, and that their summary of benefits does not say anything about network. In fact, they use a third party vendor for vision care and that company rep said that a lot of people have the same issue. Months later, they still have the same inaccurate info on their summary of benefits, and I am still fighting them for the $200. UHC is either deceptive, lazy, or ignorant in this regard.

I reached out to several dental and ophthalmology practices listed on the UHC provider website for a practice that accepts AARP Medicare Advantage Plan 2 with Dental /Vision plan. Every practice (at least 6 in the area) I called told me they do not have a current contract with AARP UHC and have not had one for over a year. The current directory UHC shows on their website is very outdated. The Dental/Vision coverage is what attracted me to the plan initially. The dental and vision coverage offered on the AARP Medicare Advantage plans is basically a deception and in my opinion a fraudulent way to market their product to seniors.

Stay away from AARP United Healthcare MedicarePlans. I have their Medicare Advantage PPO Choice. Each year this plan gets worse. Expensive in the end with procedures and tests that suddenly aren't covered, high RX co-pays or non coverage, decrease in the numbers of participating physicians and hospitals. Customer service is non existent. You can talk to 3 people about the same issue and they will respond with 3 different solutions or not know anything at all about the issue. They also are great at disconnecting calls. Website issues are a nightmare. It has been over 2 months that I have been unable to log in to my account to see any of my claims or benefits. All I ever get upon logging in is an error screen that says "It's not you, it's us".

I called my Rx plan to find out why my prescription was denied as written. I was told I was connected to the wrong department and that they would have to connect me to someone else. After waiting 5 minutes to be connected to someone else, they told me that I had been connected to the wrong person again and now had to be connected to yet another person. After waiting again, a new person came on, asked for my information and once again told me I was connected to the wrong person. This was a merry go round that was obviously never going to end, so I finally hung up. If you're looking for an Rx plan, I'd strongly suggest using someone else.

Biggest mistake I made was switching to this so called company. People - do not trust what they tell you. It is a out and out lie and will end up costing you so much more!! Employee bill in billing should not have a job with the public. Very very rude!!