Available AARP Medicare Supplement Plans and Benefits
Plans available to all applicants
Medicare first
eligible before
2020 only
BASIC BENEFITS
Plan
A
Plan
B
Plan
G
Plan
K
Plan
L
Plan
N
Plan
C
Plan
F
Hospitalization: Medicare Part A coinsurance plus
coverage for 365 additional days after Medicare benefits
end.
✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔
Medical Expenses: Medicare Part B coinsurance
(generally 20% of Medicare-approved expenses)
or copayments for hospital outpatient services.
Plans K, L, and N require insured to pay a portion of
Part B coinsurance or copayments.
✔ ✔ ✔
50% 75%
✔
2
✔ ✔
Blood: First 3 pints of blood each year.
✔ ✔ ✔
50% 75%
✔ ✔ ✔
Hospice Care: Part A coinsurance or copayment.
✔ ✔ ✔
50% 75%
✔ ✔ ✔
ADDITIONAL BENEFITS
Skilled Nursing Facility Care
coinsurance
✔
50% 75%
✔ ✔ ✔
Medicare Part A Deductible
✔ ✔
50% 75%
✔ ✔ ✔
Medicare Part B Deductible
✔ ✔
Medicare Part B Excess Charges
4
✔ ✔
Foreign Travel emergency care
3
(up to plan limits)
✔ ✔ ✔ ✔
Annual Out-Of-Pocket
1
spending limit
$6,220 $3,110
1
For Plans K and L, after you meet your out-of-pocket yearly limit and your yearly Part B deductible ($203 in 2021), the Medicare supplement plan pays
100% of covered services for the rest of the calendar year.
2
Note: Plan N pays 100% of the Part B co-insurance, except for a co-pay of up to $20 for some office visits and up to a $50 co-pay for emergency room
visits that don’t result in an inpatient admission.
3
Benefit is 80% and beneficiaries are responsible for 20% after the $250 annual deductible with a $50,000 lifetime maximum.
Benefits are defined as medically necessary emergency care services beginning during the first 60 days of each trip outside the U.S.
4
Under Ohio and Pennsylvania law, a physician may not charge or collect fees from Medicare patients which exceed the Medicare approved Part B
charge. Plans F and G pay benefits for excess charges when services are rendered in a jurisdiction not having a balance billing law. Vermont law
generally prohibits a physician from charging more than the Medicare approved amount. However, there are exceptions and this prohibition may not
apply if you receive services out of state.
Benefits and costs vary depending on the plan you choose.
Compare benefits included in each of the AARP
®
Medicare Supplement Insurance Plans, insured by UnitedHealthcare
Insurance Company (UnitedHealthcare). Some plans may not be available. Only applicants first eligible for Medicare
before 2020, may purchase Plans C and F. A check mark (✔) means 100% of this benefit is paid. Otherwise, the plan
pays the percentage shown.
Note: In Massachusetts, Minnesota and Wisconsin, there are different plan options available.
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Plan Comparison Guide
Medicare supplement insurance plans help pay some of the out-of-pocket costs that Medicare does not
pay – giving you more complete coverage than Medicare alone.
With Medicare supplement plans:
■
You’re able to keep your own doctor who accepts Medicare patients.
■
See any specialist without a referral.
■
There are no claim forms to fill out.
■
Coverage goes with you anywhere in the U.S. when you travel.
Why consider a Medicare supplement insurance plan?
Lower Benefits, Higher Out-of-Pocket (Plans A and B)
Medicare Supplement Plan A offers just the Basic Benefits while Plan B covers Basic Benefits plus a benefit for
the Medicare Part A deductible, which could be one of the largest out-of-pocket expenses if you need to spend
time in a hospital. Plans A and B have lower monthly premiums with higher-out-of-pocket costs for things like
Skilled Nursing Facility Coinsurance, Part B Excess Charges, and Foreign Travel Emergency Care.
Higher Benefit Level, Higher Premium (Plans C
†
, F
†
and G)
Plans C, F and G offer the most supplemental coverage, paying many of your out-of-pocket costs
for Medicare-approved services. Consider these plans if you are willing to pay a higher monthly premium in
exchange for more healthcare coverage and lower out-of-pocket costs.
†
Please note: Only applicants first eligible for Medicare before 2020 may purchase Plans C and F.
Lower Premium, Cost Sharing (Plans K and L)
Plans K and L are cost-sharing plans offering lower monthly premiums because they pay a percentage of the
coinsurance instead of the full coinsurance amount. Once the out-of-pocket limit is reached, these plans pay
100% of covered services for the rest of the calendar year.
Co-Pay Structure, Mid-Range Premium (Plan N)
Plan N covers the Part B coinsurance, but you pay copayments for covered doctor office and emergency room visits in
exchange for a mid-range monthly premium.
Learn more about the cost considerations for Medicare supplement plans.
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* From a report prepared for UnitedHealthcare Insurance Company by Mark Farrah Associates “December 2019 Medigap
Enrollment & Market Share,” May 2018, www.uhcmedsupstats.com or call 1-800-523-5800 to request a copy of the full
report.
†
From a report prepared for UnitedHealthcare Insurance Company by ORC International, “Substantiation of Advertising
Claims Concerning AARP Medicare Supplement Insurance Plans,” April 2017, www.uhcmedsupstats.com or call
1-800-523-5800 to request a copy of the full report.
††
From a report prepared for UnitedHealthcare Insurance Company by GfK Custom Research NA “Medicare Supplement Plan
Satisfaction Posted Questionnaire,” March 2017, www.uhcmedsupstats.com or call 1-800-523-5800 to request a copy of the
full report.
Important Exclusions and Limitations Information for residents of Oklahoma:
• Benefits provided under Medicare. • Care not meeting Medicare’s standards. • Injury or sickness payable by Workers’
Compensation or similar laws. • Stays or treatment provided by a government-owned or -operated hospital or facility unless
payment of charges is required by law. • Stays, care, or visits for which no charge would be made to you in the absence of
insurance. • Any stay which begins, or medical expenses you incur, during the first 3 months after your effective date will not
be considered if due to a pre-existing condition. A pre-existing condition is a condition for which medical advice was given or
treatment was recommended by or received from a physician within 3 months prior to your plan’s effective date.
AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company.
UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for
the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or
producers.
You must be an AARP member to enroll in an AARP Medicare Supplement Insurance Plan. Insured by UnitedHealthcare
Insurance Company, Horsham, PA. Policy form No. GRP 79171 GPS-1 (G-36000-4).
In some states, plans may be available to persons under age 65 who are eligible for Medicare by
reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE
DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE
NUMBER SHOWN ABOVE.
From friendly advice to helpful guidance,
UnitedHealthcare is here for you.
Call: 1-866-930-1643
or visit: AARPMedicareSupplement.com
Market Leader Fast Service
Tops in Customer
Service
Endorsed by AARP
With more than 4 million
members nationwide,
UnitedHealthcare and its
affiliates cover more people
with Medicare Supplement
plans than any other individual
insurance carrier.*
98%
†
of claims are
processed in 10
days or less, so
no need to worry
about paperwork or
following up
on claims.
95%
††
of members
surveyed are
satisfied with the
level of customer
service received by
UnitedHealthcare’s
licensed insurance
agents/producers.
Products and services that
carry the AARP name have
been carefully evaluated and
selected as meeting the high
service and quality standards
of AARP. AARP cares about
people and serves them with
compassion.
Choose an AARP Medicare Supplement Insurance Plan, insured by
UnitedHealthcare Insurance Company. Here’s why:
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