Can aarp medicare supplement Plan Help You? How?

aarp medicare supplement

Introduction about aarp medicare supplement

Are you considering an AARP Medicare plan for your health insurance needs?

If so, you’re in the right place. AARP Medigap plans are some of the most popular Medicare Supplement plans out there. These plans can help cover the gaps in traditional Medicare that can leave seniors with high out-of-pocket costs. aarp medicare supplement

In this blog post, we’ll dive into the important details of AARP’s Medigap plan; from what it covers to how it works and who’s eligible. We’ll also provide helpful tips and advice on how to select the right plan for your individual needs.

By the end, you will have a better understanding of what an AARP Medigap plan is and why it might be beneficial for you. So if you’re ready to learn more about this popular health insurance option, let’s dive right in!

What Is an AARP Medicare Supplement Plan?

AARP Medicare Supplement Plans are additional coverage plans administered by UnitedHealthcare Insurance Company and designed to go hand-in-hand with Original Medicare coverage. Depending on the plan you choose, they cover portions of what Medicare doesn’t, like copayments and coinsurance.

For instance, AARP Medicare Supplement Plan F is one of the most popular Medigap plans, as it covers all out-of-pocket expenses that Original Medicare doesn’t. This includes:

  • Co-payments
  • Deductibles
  • Coinsurance costs
  • Emergency medical care while traveling outside the U.S.

Additionally, AARP Medigap Plans provide coverage for services not covered by Original Medicare such as vision and hearing exams.

Eligibility Requirements for AARP Medigap Plans

If you are considering an AARP Medigap plan, the first step is to see if you qualify. To be eligible, you must be over 65 and enrolled in Medicare Part A and Part B. It is important to note that if you have Medicare Advantage (MA) or other health coverage, such as through an employer or union, you may not qualify.

In order to enroll in an AARP Medigap plan, you also must live in the state where the plan is offered. Some states may offer more than one type of AARP Medigap plan; however, they are not available in all 50 states or U.S. Territories.

Make sure that you carefully read and review the eligibility requirements before applying for an AARP Medigap plan, as it’s important to make sure that you meet all the criteria for enrollment. Once your eligibility is determined, then it’s time to find the best plan for your needs and budget.

Different AARP Medigap Plans Available

AARP offers various Medicare Supplement (Medigap) plans with different coverage options. Knowing which one is best for you can be a challenge, but understanding the basics of each plan can help you make a more informed decision.

Plan A – The Most Popular

Plan A is the most popular AARP Medigap plan, providing coverage for many of your out-of-pocket Medicare expenses. This plan covers Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up, as well as Part B coinsurance, blood transfusions up to three pints, and hospice care coinsurance and copayments.

Plan B

Plan B is another popular AARP Medigap option that provides benefits similar to Plan A, but with fewer features. It covers the same Part A and Part B coinsurance expenses as Plan A, as well as foreign travel emergency coverage up to 80% after a $250 deductible is met.

Plan C

Plan C is the next step up from Plans A and B in terms of coverage. This plan provides all the benefits mentioned above as well as additional coverage for skilled nursing facility care coinsurance, Part A deductible, Part B deductible and excess charges at doctor visits.

Benefits and Drawbacks of an AARP Medigap Plan

AARP’s Medigap plans provide comprehensive coverage for many of the costs that Original Medicare does not, including deductibles, coinsurance, and copayments. While this coverage can be highly beneficial in many situations, there are some drawbacks to consider before signing up for an AARP Medigap plan.


One of the key advantages of an AARP Medigap plan is that it offers extra coverage on top of what Original Medicare provides. This additional coverage often pays for the majority or all of the out-of-pocket costs associated with common medical treatments such as hospital stays and doctor visits. AARP Medigap plans also offer coverage for prescription drugs, which is a huge benefit for those who take multiple medications.

Additionally, many AARP Medigap plans do not have waiting periods or qualifying requirements, making them very accessible and easy to acquire. This means that you can sign up for a plan without having to worry about being denied due to pre-existing conditions or having to wait a certain period of time before coverage kicks in.


On the downside, AARP Medigap plans come with higher monthly premiums than other forms of Medicare supplement insurance because they provide more robust coverage. This may render them out of reach financially for some people with tighter budgets. Additionally, there are different types of AARP Medigap plans available, so it’s important to understand how each type works before making a decision. Finally, a major drawback is that these plans do not cover long term care services or vision care – two benefits that are becoming increasingly important as people age.

How to Buy an AARP Medigap Plan

AARP Medigap plans make it easy to purchase a Medicare Supplement insurance policy that meets your specific needs and budget. It’s important to understand the various coverage options available and how to enroll in one of these plans.

Enrolling in an AARP Medigap Plan

Enrollment for an AARP Medigap plan is straightforward and can be done online or by phone. Here’s what you need to do:

  1. Compare the different plans on offer and select one that best suits your needs.
  2. Contact the insurance provider of your chosen plan and provide the necessary information.
  3. Submit the completed application form, along with any required documents such as medical records, current insurance policies, etc.
  4. Await confirmation that you have been approved for coverage before making a payment for your premiums.
  5. Once accepted, you will receive an official welcome letter with instructions on how to make payments and start using your plan benefits right away!

An AARP Medigap plan can help you to enjoy a stress-free life knowing that you are covered for most medical expenses associated with Medicare Parts A & B and other added benefits depending on which policy you choose!

Additional Resources for Comparing Plans

An AARP Medicare Supplement plan isn’t your only option when it comes to Medicare coverage. There are other private plans and programs that could be a better fit for your needs, and you should compare them before making a decision.

Fortunately, there are a few resources available to help you do just that. The website provides a helpful Compare Plans tool that allows you to compare different supplemental plan options side by side. However, if you’re looking for more detailed information about the benefits of each plan, it’s best to contact the insurance company directly or consult with an independent licensed medical insurance agent who can explain the coverage in greater detail and answer any questions you may have.

Additionally, if you’re 65 or older and eligible for Medicare, the AARP® Medicare Supplement Insurance Plans provided by UnitedHealthcare Insurance Company can provide additional coverage beyond what Original Medicare offers. These plans can help pay some of the out-of-pocket costs associated with doctor visits and hospital stays, as well as other services Original Medicare does not cover like hospice care and blood transfusions. You can learn more about the different plans available at AARPMedicarePlans.


When it comes to finding the right Medicare Supplement plan, AARP’s Medigap plans are designed to help those over 65 to supplement what Medicare doesn’t cover. This includes providing additional coverage for emergency hospital stays, emergency services, and more. With the added flexibility of its low-cost, high-deductible plans, AARP Medigap plans are a great option for those looking to supplement their Medicare plan with additional coverage.

For more information, research AARP Medigap plans to find the coverage that fits your specific needs. With the assurance of added coverage, AARP Medigap plans are an ideal option for those looking for additional security and peace of mind regarding their healthcare.

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