AARP Medicare Supplement Insurance plans from UnitedHealthcare are Medigap policies that work with Original Medicare. They are different from AARP-branded Medicare Advantage plans. Confirm the exact policy, state and insurer on the application rather than relying on the shared brand name.
Compare the same benefit package
In most states, Medigap policies with the same letter have the same standardized basic benefits, although premiums differ. Massachusetts, Minnesota and Wisconsin use different standardization. Not every insurer offers every plan.
| Example | Important distinction |
|---|---|
| Plan G | Does not pay the Part B deductible. |
| Plan N | Has specified office and emergency copayments and does not cover Part B excess charges. |
| Plans C and F | Unavailable to people first eligible for Medicare on or after January 1, 2020. |
| High-deductible or SELECT policy | Has additional deductible or provider-use conditions to compare. |
Separate insurance from wellness extras
UnitedHealthcare describes some dental, vision and hearing discounts and fitness services as additional insured-member services, not insurance benefits. They can vary geographically and change or end. Do not treat them as equivalent to a dental policy or coverage of an excluded Medicare service.
Medigap primarily helps with eligible Original Medicare cost sharing. It generally does not cover routine dental care, ordinary glasses, hearing aids or custodial long-term care.
Check enrollment and pricing
- Confirm the exact plan letter and any version.
- Ask about applicable AARP membership requirements and costs.
- Compare the approved premium, rating method and discount conditions.
- Identify your Medigap Open Enrollment or guaranteed issue rights.
- Ask whether health underwriting applies before replacing another policy.
Fall Medicare Open Enrollment is not a universal Medigap acceptance period. Get the new policy’s approval and effective date before canceling existing coverage.
For existing members
Use the verified member contact on your policy for cards, premium questions and claims. Having Medigap does not mean every Medicare bill is paid in full; the plan letter and Medicare’s decision matter. This article does not guarantee a premium or enrollment acceptance.
Related coverage questions
- What Is Medigap? Benefits, Costs and Enrollment
- How to Compare Medigap Policies
- Medigap Comparison Chart: Benefits and 2026 Cost Limits