AARP is an organization that focuses on helping people aged 50 or older. Members enjoy discounts, advocacy, and advice in all areas of life. Currently, AARP has more than 38 million members and has been in business since 1958.

One of the benefits provided is Medicare Plans insured by UnitedHealthcare (UHC). When members approach the age of 65, they receive tons of information about Medicare.

AARP UnitedHealthcare Medicare Plans

AARP offers a wide range of Supplement Medicare plans throughout the United States. The plans offered vary from state to state. AARP-sponsored plans include Medicare Supplement plans (Medigap), Medicare Advantage Plans (MA or MAPD), and Medicare Part D (PDP plans).

Medicare Supplement Plans YES
Medicare Advantage Plans YES
Medicare Part D Drug Plans YES

AARP Medicare Supplement Plans

Administered by UnitedHealthcare, AARP offers Medicare Supplement plans (Medigap). You must be actively enrolled in AARP to enroll in a UHC Medigap plan. Medicare Supplement plans are secondary coverage to your Original Medicare.

When enrolling in a Medigap plan, you keep all the benefits from Medicare, such as freedom of healthcare providers and the Medicare Supplement pay part or all of your cost-share from Medicare.

Medicare Supplement plans have a fixed monthly premium, and you pay little or nothing when you use your healthcare coverage. All AARP Medicare Supplement plans include a gym membership.

AARP Medicare Advantage Plans

Medicare Advantage Plans (MA or MAPD) is another way to receive your Medicare benefits. A Medicare Advantage plan with AARP gives you plan extras such as gym memberships, as well as a benefits card that you can purchase food or over-the-counter medications from Walgreens.

Most carriers require you use your over-the-counter benefits through mail order. AARP Medicare Advantage Plans allow you to buy items directly from the pharmacy.

AARP Medicare Part D

The carrier offers prescription drug plans available throughout the United States. Check your prescriptions against the plan formulary (list of covered drugs) to ensure you choose the Part D Plan that’s best for you. If you use a preferred pharmacy, your drug costs could see significant savings.

Financial Strength Ratings

Medicare plans get rated for their financial strength by A.M. Best, Standard & Poor’s, and Moody’s. A.M. Best gives AARP UHC a rating of A- with a positive outlook. Standard & Poor’s gives AARP UHC an A+ rating with a stable outlook. Moody’s gives AARP UHC an A3 rating with a stable outlook.

A.M. Best Rating A-
Standard & Poor’s Rating A+
Moody’s Rating A3

Financial stability usually correlates with lower rate increases and shows the ability to handle claims for Medicare Supplement plans.

Reviews

AARP UHC has some of the most competitive rates for Medigap plans for Medicare beneficiaries starting Medicare. They are also more forgiving on the underwriting than some of their competitors. The gym membership they offer is a no-cost benefit and helps set them apart from their competitors.

On the Medicare Advantage side, the ability to use your benefits card to purchase healthy food items and over-the-counter items from a store instead of mail-ordering only is a fantastic feature that Medicare Beneficiaries love.

FAQs

What Medicare Supplements does AARP offer?

They offer Plans A, B, C, D, F, G, K, L, M, and N. UnitedHealthcare administers the Medicare Supplement options. Not all plans are available in all areas. There are high deductible F and G plans available as in some areas.

Does AARP offer plans for people on Medicaid and Medicare?

Yes! They offer Dual Special Needs Plans through UnitedHealthcare. UHC offers one of the only PPO options on their Medicare-Medicaid coordinated plans.

Where can I pick up my prescriptions on an AARP plan?

Walgreens is a preferred pharmacy with AARP UnitedHealthcare Medicare Advantage and Medicare Part D plans. For a complete list of preferred and non-preferred pharmacies, contact the number on the back of your Medicare card, or give us a call so we can assist.

How to Enroll in an AARP Medicare Plan

We can help. Use our online request form or give us a call. We have licensed agents standing by to assist you with any Medicare questions. We can look up your prescriptions and doctors, assess your needs, and assist with finding the right plan for you.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.