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AARP Medicare Supplement Insurance Review

23 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.
 
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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
https://www.aarp.org
Headquarters
601 E Street, NW, Washington, DC, 20049

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23 Customer Comments & Reviews

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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!

Barry D
3/24/2021
I somehow got enrolled in both a Part G and Part C plan (PPO) by mistake. I have had 4 one-hour plus calls to get it solved with no results. The Part G part of United Health Care does not communicate with the Part C division of the company and getting them to coordinate is a nightmare. After 4 hour long calls I have yet to get this solved. The part G folks at least answer their phone. The part C folks have lousy phone lines, are impossible to understand and keep transferring you around (4times last call). They keep sending me bills that don’t say what they are for or what period they cover (my premiums are actually deducted from my social security so I should have no bills at all).

dpurp6
1/12/2021
Calling customer service is a nightmare, they don't speak english very well at all and takes 10-25 min. to answer one question!!

M
Marion P
12/3/2020
This is one of the worst companies that I have ever worked with. Your customer service is more like NO SERVICE. I have been working on getting my prescription changed for over 10 days now. The first person I spoke with submitted the wrong information to my Dr. That took several hours of waiting on hold and calling back. Along with going to the pharmacy only to pickup the wrong prescription. I have called back the customer service phone number on my card again to try and correct this but all I get is a bunch of prompts and than put on hold. After being on hold for over an hour, I called back, went though all the prompts again and asked for a call back. When I got the call back, I... Read More

Charles L
9/9/2020
I've been on hold for an hour and a half trying to reach someone, anyone. What good is this insurance if you can't reach anyone.

Pam C
5/14/2020
I have been trying to get supplement (G) since Jan. You customer service is the pits. I’ve spoken with AARP, United Healthcare, United Underwriting, MedCare? (Your third party collection service) my doctors offices, the third party reporting service for my doctors offices. In the meantime, I’ve cancelled doctors appts because I haven’t the money for the tests. Most like - when I get approved, I’ll no longer be able to afford. Who can pay 5 months premiums at one time. I was saving for premiums. Had to use for kidney stone surgery. You people do realize this is not just my health, but my life & even my ability to buy groceries? I have 1 star because Greg & Kim have tried to help.

J
Justin J
11/16/2019
My mother had been in rehab and I’d being discharged home due to some doctor from AARP united healthcare that has never seen my mother in person. They stated that she was as good as she was ever going to be even though daily she is making progress in the skilled nursing facility that she is in. She is still not able to take care of herself and still has up to 100 days of rehab that is allowed by her plan but since this doctor in a cubical somewhere thinks she will never get any stronger he is allowing her to be given up on. Shows just how much they care about their patients. All they care about is the dollars that they are spending to keep her in a facility and not the fact that she... Read More

byasd
11/11/2019
AARP and Medicare? Don't bother. They have a Medicare Supplemental program from United Healthcare, high deductible Plan F, that costs three at least three times as much as the same plan from Humana or Blue Cross. I think the entire AARP thing is a big scam. I'm getting rid of their Medicare Advantage plan because although it has no monthly premium, the annual out of pocket expense is more than paying the premium for a Medicare supplement program AND Part D Medicare AND the out of pocket expense from another company. I was told by United Healthcare that my Medicare Advantage program from AARP had nationwide coverage. It doesn't.

V
Vicky K
10/20/2019
toooo expensive!!! Copays are $35.00 for each referral. Moreover, they changed my plan to a to a HMO. I went to Walmart to get glasses and they said my insurance was cancelled. I called in to find out why and they said I had been moved to a HMO/Spectra Eyecare program and then a plan called PMG Optimum Care. I was told on the phone to go get my glasses at America's best - which round trip is 20 miles from my home. America's best was told, as well, that my insurance was cancelled. I spoke with ursula at AARP and she said she was going to get the matter straightened out. I WENT BACK TO America's best and, yet again, they said my insurance was cancelled - I spoke to Jeff (Jeffie).... Read More

J
John
6/28/2019
O Rochelle A . commented her experience about drug coverage and her canceling her insurance. I have done the same with them and not paying monthly premium resulted canceling my insurance with them. Just to let everone know that if your insurance is canceled and the number of month you have no coverage will result a panelty, which you will pay the rest of your life even though you get coverage from another company. So lesson learned. only change insurance during open enrollment period. John M

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