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AARP Medicare Supplement Insurance Review

22 Customer Comments & Reviews - see all comments
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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

4.0/5
Level of Coverage
5.0/5
Services
4.5/5
Reputation and Customer Experience
4.5/5
Financial Strength

Overall Rating: 4.5 / 5 (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

Level of Coverage - 4 / 5

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

Services - 5 / 5

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

Reputation and Customer Experience - 4.5 / 5

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 - 4.5 / 5

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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22 Customer Comments & Reviews

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jblake555
12/19/2023
Re: D. Blake 4/10/1946 mmbr# 997134362 UHC Plan 1 (PPO). I received a supplemental bill today from AARP Medicare Advantage UHC for $42.00 for January 2024. I have made no changes to my plan for 2024 and did not have this supplemental bill in 2023 . . .?? I was told by an advocate in the "Escalation" dept. that the UHC Plan 1 (PPO) had been discontinued and was replaced with AARP Medicare Aadvantage UHC PPO. Identical plan, but with a new name and a $42.00 supplemental bill (per month) in addition to the normal 3 or 4% increase thru Social Security. WTF? How do you justify a 25% increase.


B
borzol
8/29/2023
We received the letter from UnitedHealthcare. It is announced that the rate for our AARP UHC Supplemental Insurance plan N will increase 12.4% for the year 2024. The inflation rate in June was 3%, in July 2023 3.3%. How can the medical insurance get the rate increase 4 times higher than the inflation rate? Who profits from such a business decision? Who cares about retirees with a fixed income? What does AARP do to protect American retired persons from greedy insurers? Or the AARP activity is advertisement only?


lisawhite47
7/26/2023
UHC STOPS AARP/UHC MEDICARE SUPPLEMENTAL HEALTH INSURANCE COVERAGE. This LIFE-THREATENING, FINANCIALLY DEVASTING NO AARP UNITED HEALTH CARE (UHC) MEDICARE SUPPLEMENTAL HEALTH INSURANCE HAPPENS BECAUSE UHC CUSTOMER SERVICE REPS are untrained or do not know what's required to insure your coverage continues. When monthly premium(s) are not accepted/not paid according to UHC, UHC WILL NOT TELL YOU via EMAIL, A CALL, OR TEXT that YOUR COVERAGE STOPS DUE TO NONPAYMENT. UHC says you have a 30-day 'grace period' to make payment'; this is not true all the time. My one-time payments two months in a row were recorded as paid by UHC and then reversed; THIS MEANT I HAD NO COVERAGE - I checked online... Read More


W
Wjmor
2/15/2022
I just returned from the pharmacy where I was told that my insulin glargine would be $569.00 for an 86 day supply. This does include my deductible, so future purchases would go down. The amlodipine normally costing about $20 was $44 once again still working on my deductible. I have often wondered how a person who wants to purchase something from a vendor who wants to sell goods or services is at the mercy of a third party who contributes nothing that would not exist in a true free enterprise system. The third party is reaping copious amounts of revenue. Regulations that forbid pharmacies and insurance companies from negotiating with insulin producing companies makes me wonder how that... Read More


hawkenterprisehomes
12/16/2021
Looking into Medicare supplemental policies, Namely Plan G or Plan N, AARP /United Health looked promising at a savings of about $6 per month over the next best that I found. However was fortunate to learn of a bait-and-switch prior to signing up. AARP premium rates the first year are quoted at a 36% discount. This discount is scheduled to go down 3% each year. So certainly, by the third year I would have been paying more than what I would pay from the other insurance carrier, with increases (via less discount) each year. Rates for 2021 Plan G ~ $211 less 36%= $134 (the rate quoted first timers). Year 2 would only be a 33% discount. For those in year two in 2021: premium of... Read More


barbv30
11/13/2021
I had United Health Care for this year. They are the worst insurance I have ever had. If Medicare doesn't pay the whole bill they don't pay anything. My husband and I paid over $3,000 a year for insurance Plan G which was supposed to bale the best. We were supposed to just get to $213 and then they would pay. My husband went for his yearly checkup and had blood tests done. We get a $455 bill from Quest. They wouldn't pay the bill because they said they weren't necessary tests. Hello the doctor decides what is necessary. I went to a different lab and all my tests were covered. Who is AARP United Health Care to decide if something is necessary? They just don't want to pay... Read More


barbv30
11/13/2021
I had United Health Care for this year. They are the worst insurance I have ever had. If Medicare doesn't pay the whole bill they don't pay anything. My husband and I paid over $3,000 a year for insurance Plan G which was supposed to bale the best. We were supposed to just get to $213 and then they would pay. My husband went for his yearly checkup and had blood tests done. We get a $455 bill from Quest. They wouldn't pay the bill because they said they weren't necessary tests. Hello the doctor decides what is necessary. I went to a different lab and all my tests were covered. Who is AARP United Health Care to decide if something is necessary? They just don't want to pay... Read More


pomptonjoe
10/11/2021
They raised finasteride to tier 3 with no warning. Price jumped to over $100. My urologist says that finasteride is generic costing $1 a pill. Long phone call with Walgreens and AARP. The upshot is they can do whatever they want whenever they want for any or no reason. Walgreens said it's the insurance company that determines the tier. "Medicare prescription drug plans typically list finasteride on Tier 1 of their formulary." according to Good RX. I was prescribed nabumetone pain killers for pinched nerve. The pain was so bad I was moning thjrough my MRI.They didn't cover it at all. Medicare prescription drug plans typically list nabumetone on Tier 2 of their formulary. . Walgreens... Read More


G
George
9/27/2021
Singed up for Plan G, every office i gave my card number to tells me it will not go thru, it keeps coming up as Ameria Health of something as my payee rather than United Health Care. FIRST 2 claims phone calls no explanation. . Rating to date...i seem to have to choose at least one star


kathyottesen
8/21/2021
Hard company to deal with over the phone. Changing your address or trying to pay a bill takes about six phone calls with many times getting cut off without a call back. Yesterday I spent almost two hours just trying to pay my bill. I had a credit card on file but it wasn’t used for reasons no one could explain. Wow, exhausting!



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  • Limit out-of-pocket costs
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  • Managed healthcare solutions
  • National coverage
  • High deductible Plan F available in some states