AARP Medicare Supplement Insurance Review


Rating: 9.3 / 10 (Excellent)
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AARP (American Association of Retired Persons) is an interest group which advocates for the well-being of people over 50 years-old. Their Medicare Supplemental Insurance Plans are underwritten by the UnitedHealthcare Insurance company, part of the UnitedHealth Group, the largest healthcare company in the world.

How is AARP rated?

Breakdown

9/10
Coverage
10/10
Pricing
9/10
Customer Experience
9/10
Financial Strength

Overall Rating: 9.3 / 10 (Excellent)

AARP has a robust Medicare Supplement Insurance offering with policies underwritten by UnitedHealthcare Insurance, the largest healthcare group in the world. With the additional benefits of an AARP membership, members can receive discounts on hundreds of products and services across the country. Since its founding, AARP has become virtually synonymous with promoting high quality of life for the elderly, and this is evident in the organization's commitment to healthcare for its members.

AARP Coverage

Coverage - 9 / 10

AARP offers eight of the current 10 plans to their members, which is essentially just excluding plans D and M. Medigap policy benefits are standardized by law in 47 states (Minnesota, Wisconsin, and Massachusetts have their own plans) so applicants can compare the "Plan A" of one insurer directly with the "Plan A" from another insurer.

Plan Types

  • Plan A - It includes hospital copayment costs up to a year after Medicare benefits are exhausted, the first three pints of blood, Part B coinsurance including preventive care services after deductible, and hospice care.
  • Plan B - Offers the same amount of coverage as Plan A, with the addition of a hospital deductible in each benefit period.
  • Plan C - One of the most popular plans, it adds on a skilled nursing facility daily copay, the Part B annual deductible, and emergency care outside of the U.S.
  • Plan F - Less expensive than other plans, F covers all the same benefits as C, with the addition of 100% of Part B's excess charges.
  • Plan G - Covers almost every Medicare supplemental insurance benefit, with the exception of Part B's annual deductible.
  • Plan K - Covers half of: Part B co-insurance, first 3 pints of blood, hospital deductible, skilled nursing facility, and hospice care. It also covers all the co-insurance for Part B preventive care services.
  • Plan L - Just like Plan K, this covers all of your Part A & B copays after a certain amount out-of-pocket, and 75% of every benefit that Plan K covers (instead of 50%).
  • Plan N - Covers hospital copayments, Part B co-insurance except $20 for office visits & $50 for emergency visits, first 3 pints of blood, hospital deductible, SNF, foreign care, all of Part B co-insurance for preventive care, and hospice care.

AARP Pricing

Pricing - 10 / 10

Pricing varies greatly, based on home address of the applicant and what age-rating method the insurer uses. We expect the rates for AARP to be in line with other insurers. United Healthcare, AARP's underwriter, community-rates its policies. This means that a new policy receives a 30% discount, and then every year for the next year, premiums rise 3%, until they reach the full cost.

AARP Customer Experience

Customer Experience - 9 / 10

UnitedHealth Group has a strong rating from the BBB. As with any large company, we encourage applicants to research the individual UnitedHealthcare Insurance company of their home state to find the most detailed and recent reports. The information from AARP on Medigap plans is clear, concise, and helpful. The webpage offers a wealth of resources for the interested consumer, including live chat, Medicare worksheets, and downloadable guides.

Support

  • Email
  • Snail mail
  • Toll-free number

Educational Resources

  • FAQs
  • Articles
  • Glossary
  • Videos

Reviews

BBB Rating
A+
Date Collected
2018-03-18

AARP Financial Strength

Financial Strength - 9 / 10

The UnitedHealth Group, which operates the healthcare insurance companies that underwrite AARP's policies, is in a strong financial position. Financial strength ratings can help determine whether an insurance company is able to meet its obligations in full.

Ratings

Moody's Financial Rating
A1

Year Founded

1974

Underwriter

UnitedHealth Insurance Company

Company Profile

Full Name
AARP Medicare Supplement Insurance
Company Website
Headquarters
601 E Street, NW, Washington, DC, 20049

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Top Rated
10 / 10
  • 9.4 Trustpilot rating
  • Unbiased Medicare experts
  • Speak to a licensed agent at any time
  • Excellent rates for each Medigap plan
  • Network includes top insurance carriers 
  • Supplemental coverage by area