AARP Medicare Supplement Insurance
Insured Through United Healthcare
Medicare is a federal government program that provides health insurance coverage to eligible beneficiaries. You’re eligible to join Medicare if you are:
- A United States citizen or legal resident who has lived in the U.S. for at least five consecutive years, AND
- Age 65 or older, OR
- Under age 65 and qualify on the basis of disability or other special situation, OR
- Any age, but have end-stage renal disease (permanent kidney failure requiring dialysis or kidney transplant).
Who administers Medicare plans?
Medicare Parts A and B (sometimes known as “Original Medicare”) is run by the federal government. With Medicare Parts A and B, the government pays fees for your health care directly to the doctors and hospitals you visit.
Other types of Medicare plans, such as Medicare Part C (also known as Medicare Advantage), Medicare Supplement Insurance and prescription drug plans (Part D), are operated by private insurance companies that are contracted by the government. The government pays a fixed fee to your plan for your care, and your plan then pays your doctors and hospitals.
What are my Medicare coverage choices?
You can choose the type of Medicare plan you want, based on what’s available in your area and your coverage needs. Here’s an overview of what each coverage plan offers:
Medicare Part A and Part B (sometimes known as “Original Medicare”)
- Helps cover hospital stays, preventive care, doctor visits and other medical services.
- Run by the federal government.
- Can be paired with a Medicare Supplement Insurance plan to help pay your share of costs.
- Can be paired with a stand-alone prescription drug plan (Medicare Part D), to help pay for medications.
Medicare Part C – Medicare Advantage Plans
Medicare Advantage Plans provide the same benefits as Original Medicare, plus additional AARP Medicare Supplemental Insurance benefits, which can include routine hearing, vision and dental care. They cover all the benefits of Medicare Part A, including hospital stays, skilled nursing care and home health care, but not hospice care (which is still covered by your Part A benefit). These plans also cover all the benefits of Medicare Part B, including doctor visits, outpatient care, screenings, shots and lab tests. Many plans also include Medicare Part D prescription drug coverage. These plans work similarly to employer-sponsored health insurance plans that you may have had or currently have, which may help you continue a similar level of coverage to what you have now.
The AARP® MedicareComplete® plans are insured through UnitedHealthcare. All plans include urgent care and worldwide emergency coverage and a 24-hour nurse hotline, and most include prescription coverage. Most plans have no additional monthly premium beyond what you already pay for Part B.
Medicare Part D (prescription drug plans)
- Helps cover the costs of your prescription drugs.
- Run by private insurance companies that are contracted by the government.
- Can be added to Medicare Parts A and Bora Medicare Advantage Private Fee-for-Service (PFFS) plan that does not include prescription drug coverage.
Medicare Supplement Insurance
- Helps pay your cost of Medicare-covered services, such as copays and deductibles.
- Some plans offer additional benefits not covered by Medicare Parts A and B.
- Run by private insurance companies. These plans are regulated by the state in which you reside, and are not a benefit offered by the federal government.
- Can be added to Medicare Parts A and B.
How much does Medicare Supplement Insurance cost?
Insurance companies may charge different premiums for exactly the same Medicare Supplement coverage. As you shop for a Medicare Supplement policy, be sure you are comparing the same Medicare Supplement policy (for example, compare Plan A from one company with Plan A from another company.)
Supplement plans offered by AARP are: A, B, C Select C, F, Select F, K, L and N.