AARP Medicare Supplemental Insurance

AARP Medicare Supplemental Insurance

 3.4/5 (942 ratings)
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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.

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Top AARP Medicare Supplemental Insurance Reviews

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Rated with 5 stars
Verified

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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Rated with 5 stars
Verified

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?
How do I know I can trust these reviews about AARP Medicare Supplemental Insurance?
  • 3,743,927 reviews on ConsumerAffairs are verified.
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  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: 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.

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Rated with 1 star
Verified Reviewer
Original review: 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!!

2 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: 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!

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: 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.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: 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.

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: April 6, 2021

    I am diabetic and I have been on the same medication for years! But now my blood sugar is out of control because United Healthcare won't pay for my life saving medication! **. It looks like united Healthcare doesn't care if I live or die! THIS POST WAS PURPOSELY MADE PUBLIC TO WARN PEOPLE ABOUT UNITED HEALTHCARE FOR AARP!

    16 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: March 4, 2021

    We've been with AARP UnitedHealthCare for several years. They must have had a management change or supervisory issues recently. Customer service is non-existent. Holding times in excess of an hour only to talk with someone who has no clue or provides misinformation. I am taking a tier 4 (expensive) medication. My doctor prescribed the medication every other day yet I am being charged for daily use. I was told that I am charged for a month of usage regardless of how much I use - makes no sense. Pay for 30 but only get (and use) 15!! I'm done with AARP United next sign up period.

    16 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Jan. 22, 2021

    Coverage awesome, I have very small out of pocket bills. In the last 5 years I've had a surgery and an emergency room visit. But the yearly rate increase negates yearly social security raise. If I wasn't working full time, I don't think I could pay for it.

    6 people found this review helpful
    Rated with 3 stars
    Verified Reviewer
    Original review: Jan. 21, 2021

    AARP is okay to supplement my Medicare Insurance and it works very well for me as I need all the help I need and all is very clear regarding all their rules and fine prints and all requirements. I'm happy.

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    Rated with 5 stars
    Verified Reviewer
    Original review: Jan. 21, 2021

    I pay nothing for the United Healthcare complete. I only pay the SS coverage quarterly. They saved me over $200 a month. I kept my same doctor I have had for years. As a healthy person the coverage is great. I would highly recommend it.

    3 people found this review helpful
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    AARP Medicare Supplemental Insurance Company Information

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