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Explore AARP® Medicare Supplement Insurance Plans from UnitedHealthcare.
What is a Medicare Supplement plan?
Original Medicare (Part A and Part B) doesn’t pay the full guide cost of covered health care services and supplies. Medicare Supplement insurance (Medigap) plans help pay some of the remaining costs such as medical copayments, coinsurance and deductibles.
The Medicare Supplement plans available to you depend on the state where you live. The plan you choose should meet your needs.
What do Medicare Supplement plans cover?
A Medicare Supplement plan helps cover your out-of-pocket health care costs from Original Medicare. Original Medicare (Part A and Part B) generally pays about 80% of covered expenses. You’re responsible for paying the rest. A Medicare Supplement plan helps pay your share.
When you receive covered care services, your provider will bill Original Medicare first. After receiving the share Medicare pays, the provider will bill the plan, which will pay for some or all of the rest after your Part B deductible is satisfied. That amount depends on the plan type you choose.
Some Medicare Supplement plans cover additional services, such as medical care when you travel outside the United States.
In general, Original Medicare and Medicare Supplement plans don’t cover long-term care, such as custodial care in a nursing home, or private-duty nursing services. While Medicare and Medicare Supplement plans do not cover routine vision, dental, hearing or prescription drugs, some Medicare Supplement plans offer Wellness extras4 — and discounts and additional services to help with these costs.
You can apply for a Medicare Supplement plan and get prescription drug coverage separately. A standalone Part D plan is also called a PDP. Explore Part D plans.
Why choose a Medicare Supplement plan?
With a Medicare Supplement plan, you can count on coverage from year to year. You won’t need to shop for or renew your plan each year. Once you’re enrolled, you get:.
Reliable coverage
More predictable out-of-pocket costs and plan options with low or no copay.
Provider choices
The ability to choose any hospital or doctor that accepts Medicare and Medicare patients.
Flexible options
Medicare Supplement plans do not require prior authorizations or referrals.
Nationwide reach
Coverage that goes with you anywhere in the United States when you travel.
Guaranteed coverage for life
Your plan can’t be canceled because of your age, health or the number of claims you make, as long as you pay your premiums when due, and you do not make any material misrepresentation when you apply for this plan.
Why choose a Medicare Supplement plan from UnitedHealthcare?
With an AARP Medicare Supplement Insurance Plan from UnitedHealthcare, you get the support of a company dedicated to your well-being and to serving you with compassion.
What Medicare Supplement plan types are available?
All Medicare Supplement plans are offered by private insurance companies and regulated by federal and state governments. Not all plans are available in all states.
In most states, these plans are named with letters: Plan A, Plan B and so on. Plans with the same name have the same coverage, no matter which company you choose.
The Medicare Supplement plans available to you depend on the state where you live. The plan you choose should meet your needs.
[In some states, you may also choose a Medicare Select plan or a high-deductible plan. Massachusetts, Minnesota and Wisconsin have their own standardized plans.]
Find a Medicare Supplement plan
What costs are associated with a Medicare Supplement plan?
The primary goal of a Medicare Supplement plan is to help cover some of the out-of-pocket costs of Original Medicare..
What is the out-of-pocket maximum?
Original Medicare doesn’t have an out-of-pocket maximum. Medicare Supplement plans have predictable costs that help you stay ahead of unexpected out-of-pocket expenses.
When can I apply for a Medicare Supplement plan?
The best time to buy a Medicare Supplement plan is during your six-month Medigap Open Enrollment Period (OEP). This starts the first day of the month in which you are age 65 or older and enrolled in Part B. During this time, you are guaranteed acceptance — meaning you have a right to buy any Medicare Supplement plan sold in your state.
You may also be guaranteed acceptance in some situations — for example, if you’ve delayed retirement and are enrolling in Medicare beyond your 65th birthday, or if coverage from another Medicare plan is being canceled. If you need more information about guaranteed acceptance, contact UnitedHealthcare by chat or phone.
You may be able to buy another type of policy called Medicare Select. If you buy a Medicare Select policy, you have the right to change your mind within 12 months and switch to a standardized Medicare Supplement plan.
Your plan will start on the first day of the month after your application form is approved and your first month’s payment is received. You can also choose to have your plan begin on the first day of a future month you select.
How do I apply for a Medicare Supplement plan?
You can apply for a plan online, by phone at 1-833-591-5020/TTY 711 or with an agent.
You’ll need:
- Information from your Medicare card, if you have one
- Other insurance provider information, if applicable: current employer insurance, Medicaid, or other Medicare Supplement coverage
- Your AARP membership number (if you are not an AARP member, join now)
Find a Medicare Supplement plan
Learn moreabout how Medicare Supplement insurance works with Medicare, coverage options and when to apply.
We are committed to helping you find the right UnitedHealthcare Medicare plan. Enter your ZIP code and tell us what you want most, like included dental coverage, extra benefits, low monthly premiums and more.
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Footnotes
1 From a report prepared for UnitedHealthcare by Human8, “2025 Medicare Supplement Insurance Plan Satisfaction Posted Questionnaire” May 2025, visit www.uhcmedsupstats.com or call 1-800-272-2146 to request a copy of the full report.
2 From a report prepared for UnitedHealthcare by Human8, “Substantiation of Advertising Claims Concerning AARP Medicare Supplement Insurance Plans and UnitedHealthcare Medicare Advantage Plans (Non-SNP, D-SNP, and C-SNP) Report,” Jul7 2025. Visit www.uhcmedsupstats.com or call 1-800-272-2146 to request a copy of the full report.
3 From a report prepared for UnitedHealthcare by Mark Farrah Associates December 2024 Medigap Enrollment & Market Share, May 2025, www.uhcmedsupstats.com or call 1-800-272-2146 to request a copy of the full report.
4 These offers are only available to insured members covered under an AARP Medicare Supplement Plan from UnitedHealthcare Insurance Company. These are additional insured member services apart from the AARP Medicare Supplement Plan benefits, are not insurance programs, are subject to geographical availability and may be discontinued at any time. Certain offerings are provided by third parties not affiliated with UnitedHealthcare Insurance Company. None of these services are a substitute for the advice of a doctor or should be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room.
5 Medicare Supplement plans sold to people who are new to Medicare on or after January 1, 2020, don’t cover the Part B deductible. Plan C and Plan F are no longer available to those people. Plan D and Plan G provide the same benefits as Plan C and Plan F, except for Part B deductible coverage. You may be able to buy Plan C or Plan F if you were eligible for Medicare before January 1, 2020, but haven’t enrolled yet.
6 Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
View Important Disclosures Below
UnitedHealthcare pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
AARP encourages you to consider your needs when selecting products and does not make product recommendations for individuals.
Please note that each insurer has sole financial responsibility for its products.
AARP Medicare Supplement Insurance Plans
AARP endorses the AARP Medicare Supplement Plans insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103 (available in all states/territories except ND, NY). Policy Form No. GRP 79171 GPS-1 (G-36000-4).
Please note: You must be an AARP member to enroll in an AARP Medicare Supplement Insurance plan. If you are not a member, you can join AARP for just $20.00 a year.
In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER ABOVE.
Medicare Advantage plans and Medicare Prescription Drug plans
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan's contract renewal with Medicare. You do not need to be an AARP member to enroll in a Medicare Advantage plan or Medicare Prescription Drug plan.
This information is not a complete description of benefits. Contact the plan for more information.
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