We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. Learn more
10 Best
Medicare Supplement Insurance
of 2025

EDITOR'S PICK

VIEW RATES

EDITOR'S PICK

VIEW RATES
View 10 Best
Medicare Supplement Insurance 
  1. Home
  2. Medicare Supplement Insurance
  3. AARP Review

AARP Medicare Supplement Insurance Review

23 Customer Comments & Reviews - see all comments
Our content is free because we may earn a commission when you click or make a purchase using our site. Learn more.
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.
 
View Top 10 List

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

Our Comments Policy  |  How to Write an Effective Comment

Leave a comment for AARP Medicare Supplement Insurance
Minimum 12 words.
 No maximum length.
* What's Your Rating?
To make this comment as helpful as possible for our community, please provide at least 2 sentences.

23 Customer Comments & Reviews

Loading Reviews ...
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

R
Rochelle A
6/26/2019
I have (had) AARP/United RX coverage. The cost of the premium was no longer acceptable after I began using Good RX for my prescriptions, which was always at least 25% less expensive than the cost with the insurance, if not even 50% less in most cases. So I contacted AARP/United to dis-enroll. I was told I could NOT voluntarily dis-enroll unless I met one of their "criteria" for doing so. (i.e.: moved, deceased, etc.) After an extended conversation with an agent who kept reading the criteria over and over, I finally got her to admit that If I simply stopped paying, they would dis-enroll me. So that's what I did. Now, three months have passed and they have put me in COLLECTIONS... Read More

I
Irene
3/29/2019
My husband and I have tried several times to apply to the supplemental insurance program and cannot get anyone there to help us follow through with our application. First they lost our application and then they could not print it to send it to us for signature. So we had to re apply. We received in the mail a letter stating us to sign the application right away, but forgot to put the application in it! When I call to get basic information they always need to speak to my husband. Why? Just waned to know if the application was mailed correctly!!! Can't get an straight answer from anyone! Very incompetent organization! Have no choice but to choose another company.

Top Rated
Our Partner

🥇 Best Overall for Medicare Supplement

  • Quick online free quotes to compare plans in your area

  • Policies can cover the 20% gap Original Medicare doesn’t cover

  • Chat with a licensed insurance agent today

  • Medicare supplement plans that can travel with you

READ FULL REVIEW >
VIEW RATES

Related to Medicare Supplement Insurance

Top Articles