A Guide to Selecting the Ideal AARP Medicare Supplement Plan

How to Choose the Perfect AARP Medicare Supplement Plan for Your Needs

Medicare plays a crucial role in healthcare for seniors, but Parts A and B alone often don’t cover all expenses. That's where Medicare supplement plans, or Medigap, become essential.

The AARP Medicare supplement plan, offered by UnitedHealthcare, provides additional coverage to fill those gaps.

Eligibility and Enrollment:

You must be enrolled in both Medicare Parts A and B to qualify for an AARP Medigap plan.

Enrollment generally occurs during the six-month period after you turn 65 and enroll in Part B, though some states have different time frames. Once eligible, selecting the best plan depends on your healthcare needs and budget.

Key Considerations Before Choosing a Plan:

Assess your healthcare requirements, financial situation, and which benefits matter most to you. This way, you can select a plan that truly fits your lifestyle.

Plan Options:

Plans A and B: Basic coverage, with Plan B adding coverage for Medicare Part A deductibles—important for emergencies. Both have low premiums but higher out-of-pocket costs.

Plans C+, F+, G: These plans offer extensive benefits, reducing out-of-pocket costs for Medicare-approved services. They come with higher premiums but more comprehensive coverage.

Plans K and L: Cost-sharing options with lower premiums, these plans cover costs after deductibles are met.

Plan N: Mid-tier premium plan that covers coinsurance for Part B, plus emergency and doctor visit coverage.

With this overview, you can now evaluate which plan aligns with your healthcare needs and financial situation.