- The American Association of Retired Persons (AARP) is a non-profit organization that provides its members with access to Medigap policies via UnitedHealthcare.
- Some, but not all, of the eight AARP Medicare supplement plans are available in all states and counties.
- All 50 states offer at least one AARP Medigap plan for purchase.
An AARP Medicare plan may be available to you if you are an AARP member. Medicare Advantage and Medicare supplement (Medigap) plans are provided by UnitedHealthcare, which is an insurance provider AARP partners with.
Private insurance companies offer supplemental coverage in the form of Medigap policies. Medigap is a supplement to traditional Medicare that is designed to fill in some of the financial gaps left by Medicare Parts A and B. Copays, coinsurance, and deductibles are all examples of this type of out-of-pocket cost.
When it comes to Medicare, what do AARP’s supplemental plans cover?
What each Medigap plan covers at its core is standardized by Medicare. The following table summarizes the key features of the various AARP plans.
|Coverage||Plan A||Plan B||Plan C||Plan F||Plan G||Plan K||Plan L||Plan N|
|Part A Deductible||No||Yes||Yes||Yes||Yes||50%||75%||Yes|
|Plan A Coinsurance||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Part A Hospice Care Coinsurance or CoPayment||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes|
|Part A Hospital Costs for an Additional 365 Days||Yes||Yes||Yes||Yes||Yes||Yes||Yes||Yes|
|Part B Deductible / Part B Excess Charges||No/No||No/No||Yes/No||Yes/Yes||No/Yes||No/No||No/No||No/No|
|Part B Coinsurance or CoPayments||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes, Except for a copayment of up to $20 for some doctor’s visits and up to $50 for outpatient emergency room visits.|
|Skilled Nursing Facility Care Coinsurance||No||No||Yes||Yes||Yes||50%||75%||Yes|
|Foreign Travel Coverage||No||No||80%||80%||80%||No||No||80%|
|First 3 Pints of Blood||Yes||Yes||Yes||Yes||Yes||50%||75%||Yes|
Effective January 1, 2020, new Medicare enrollees will no longer have access to either Plan C or Plan F. You can keep your current plan if you’ve already enrolled in one of these programs. You can still buy one of these plans if you become Medicare-eligible before 2020.
The maximum out-of-pocket cost for Plan K is $6,220 per year, while the maximum for Plan L is $3,110. Once these limits are met and the annual Part B deductible is paid, the plan will pay in full for all covered services for the rest of the year.
Which kinds of Medigap plans are provided by AARP?
UnitedHealthcare provides AARP members with eight different generic Medigap Plans:
- Plan A: Hospitalization and end-of-life care are the primary focus of Plan A.
- Plan B: Plan B is identical to Plan A except that it also pays for your Part A deductible.
- Plan C: The contingency plan is very solid. The Medicare Part B deductible, nursing home care, and international travel are all paid for. Individuals must have been Medicare-eligible prior to January 1, 2020 in order to enroll in this plan.
- Plan F: For the most comprehensive coverage, opt for Plan F, which includes everything that Plan C does plus coverage for Part B excess charges. Individuals who are eligible for Medicare for the first time before 2020 are the only ones who can enroll in this plan.
- Plan G: Excess charges for Part B services and emergency care received while abroad are both covered by this policy. Those who do not qualify for either Plan C or Plan F often choose this alternative.
- Plan K: After you’ve reached your deductible, up to half of your covered expenses may be covered by Plan K. Plus, it has very affordable premiums every month.
- Plan L: After meeting the plan’s deductible, you’ll receive payment of up to 75% of covered expenses, and premiums are quite affordable.
- Plan N: However, the copayments for Part B services under this plan are significantly lower than they would be without it. In addition to domestic and international medical care, you will be covered for hospitalization.
AARP Medigap plans don’t require you to get a referral from your primary care doctor to see any specialist or use any Medicare-approved supplier. No matter where you are in the United States, you will be able to get the care you need thanks to your plan.
What is the price range for AARP’s Medicare supplement plans?
Medicare supplement plan prices and eligibility for discounts from AARP may vary by state, county, or postal code. You can get an idea of what rates might be like in various parts of the country by looking at the table below.
|Brooklyn, NY||Los Angeles, CA||New Orleans, LA||Missoula, MT|
|Plans Offered||A, B, G, K, L, N||A, B, G, K, L, N||A, B, C, F, G, K, L, N||A, B, G, K, L, N|
|Average Monthly Premium||$83.50 – $270||$61.44 – $163.20||$64.20 – $149.75||$49.92 – $151.53|
What is Medigap?
If you already have original Medicare, a Medigap plan could be a useful supplement. These policies reimburse you for a portion of your out-of-pocket expenses.
However, not all plans are accessible in all areas. The prices of such packages also differ from one state to another.
All Medigap policies must adhere to the same rules. This ensures that the level of protection offered by each plan is consistent across insurers. However, individual insurers have autonomy over the plans they offer to their customers.
Comparing Medigap to Medicare Advantage is a mistake (Part C). Medigap is intended to fill in the coverage gaps left by traditional Medicare and does not pay for services not covered by Medicare. However, if you have Medicare Advantage, you are ineligible for a Medigap policy.
The American Association for Retired Persons (AARP) partners with UnitedHealthcare to provide its members with Medigap insurance.
AARP offers eight different Medigap plans, though not all of them are available in every state or postal code.
All Medigap plans, including those offered by AARP, are designed to fill the gaps left by Original Medicare by covering costs such as copayments, deductibles, and coinsurance.
The scope of coverage and associated costs with various plans vary. Your geographical location may affect the final price you pay.