AARP Medicare Supplemental Insurance

AARP Medicare Supplemental Insurance Reviews

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About AARP Medicare Supplemental Insurance

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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.

Featured Reviews

Verified
Baltimore, MD

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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Verified
Peoria, AZ

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.

AARP Medicare Supplemental Insurance Reviews

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    How do I know I can trust these reviews about AARP Medicare Supplemental Insurance?
    • 4,464,082 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
    Verified purchase
    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.

    Customer ServiceCoverageStaff

    Reviewed April 3, 2024

    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.

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      Customer Service

      Reviewed July 23, 2023

      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.

      Next, they tell me a provider is in network, and then they fail to pay that provider because they say it is not in network. It's in network, but they delay payments for 90 days, which can then be sent to collections. I called them and they said they were still reviewing the invoice nearly 90 days later. I told them if they ignore their own bills for 90 days and wait for a collections notice? They finally paid it. But then they send me summary saying that they are paying zero to the same provider because it is not in network, although they paid that same provider a couple months earleir. Now I have to waste my time claling them again, or the provider wil send me the bill. Again, Again, UHC is either deceptive, lazy, or ignprant in this regard.

      On a Friday afternoon I was prescribed a drug that I needed to take that evening. I show up at the prescription window and ask for the drug. They tell me that UHC needs to talk to the doctor first! Why? Who knows. It's a generic drug. So I asked the attendant what the cost was through Good Rx. She gave me the cost and I said fill it. UHC would have waited hours to get through to a doctor on a Friday afternoon. Again, UHC is either deceptive, lazy, or ignprant in this regard.

      Last year I had very limited issues with BCBS, but my medical providers no longer accepted that pan so I went to UHC AARP where I spend hours trying to straighten out their messes. They know better, but they will make your life miserable because they are either deceptive, lazy or ignorant. Those are just a few incidences of poor quality, confusion, and deception. They may lure you in with $200 a year in OTC products, but then they will start to tighten the screws. My recommendation is, Be wary!

      Customer ServiceContract & TermsCoverageOnline & App

      Reviewed June 26, 2023

      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.

      Customer ServiceCoverageOnline & AppStaffReliability

      Reviewed July 30, 2022

      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 have three technical support tickets opened about the login issue without resolution. I have not been able to speak to a technical support supervisor nor does anyone ever escalate the issue. I have been promised a call back from both technical support and a supervisor which has never happened. In April, 2022 I called to initiate a dispute for what I suspect was overcharges by a member hospital and physician for an outpatient procedure that was billed at over $100,000.00. I never received a response to the dispute. I doubt that customer service agents even know or understand what a dispute is. Nor do they care. This has been an ongoing nightmare and I urge you to stay away from AARP United Healthcare.

      Customer ServiceStaff

      Reviewed May 2, 2022

      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.

      Customer ServiceStaff

      Reviewed Feb. 22, 2022

      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!!

      Customer ServiceCoveragePrice

      Reviewed Feb. 2, 2022

      We changed to AARP Medicare Advantage in 2022, due to a change in our prescriptions. We logged into the website and entered all of our prescription drugs and the prices were better than with Humana Medicare plan. This is not true. My husband takes a very expensive medicine for thunderclap headaches. They gave us 1 month of coverage and then it had to go to their review panel. Of course we did not know this until we changed to them.

      We have moved and could not get an appointment with a new neurologist that quick. I called to ask them to cover 1 more month. I have talked to 2 different customer service representatives and 1 supervisor. They said they would resolve and get back to us the same day. I have spent at least 3 hours on the phone, talking and holding, and still do not have an answer. The cost for 1 month without their coverage is $770+. We made a huge mistake changing companies and even though this is the first review I have written thought I needed to let others know. Health insurance is very important!

      CoverageSales & MarketingStaff

      Reviewed Oct. 30, 2021

      I had no options but to go on a Medicare Advantage plan. I had no choice but to use the plan that UHC is a part of because no other plans covered specific Drs that only the UHC would cover. My biggest mistake was in trusting that I would have the coverage needed, especially during the Covid pandemic! But I was absolutely wrong! I'm already covered for a parts A&B & have been since 2006 with regular Medicare being my secondary insurance to my husband's employer based insurance through Union Pacific Railroad & even more sad it is actually through UHC Railroad!

      I had a terrible experience in attempting to make sure my Parts C&D were covered. Contacted UHC, my US state Representative & wasted so much time on this that the 2 months when I needed to contact the arbitrary company it was too late. NO ONE had told me about this! I was denied coverage because they said I didn't have coverage - going back 10 years. They covered medical without question... I then began receiving a monthly bill for Part C coverage, which they had no intention to cover it! IMHO AARP MEDICARE ADVANTAGE UHC is nothing but a fraudulent scam.

      Coverage

      Reviewed May 20, 2021

      This company should be named AARP Runaround. My doctor changed my diabetes medication to insulin. I need a meter that shows the rate of change. United Healthcare sent me running to five separate suppliers and denied them shipping. They told me my appeal for pre-authorization was Oked. They then told me to get it from a company that doesn't carry the meter. I think AARP should be legally prevented from recommending health insurance.

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      AARP Medicare Supplemental Insurance Company Information

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