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 health insurance 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 health 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 the health insurance company 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 plan pays part or all of your cost-share from Medicare.

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

AARP Medicare Advantage Plans

AARP UnitedHealthcare Medicare Advantage Plans (MA or MAPD) is another way to receive your Medicare Part A and Part B 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 Prescription Drug Plans

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

Is AARP UnitedHealthcare and UnitedHealthcare the same?

The answer is both yes and no. UnitedHealthcare supplies both its own and also the AARP UnitedHealthcare plans. The differences lie in the exact benefits that each plan offers. Either compare them yourself or solicit the help of a licensed insurance agent for assistance.

Because it’s an AARP-specific plan, you can also get safe driver discounts and depending on which plan you pick, also receive some dental, hearing, and vision coverage.

What is the difference between AARP Medicare Complete and AARP Medicare Advantage?

There is no difference. Both AARP Medicare Complete and Medicare Advantage are Part C plans. The only possible difference is which additional benefits you receive with each MA plan.

How much is AARP Medicare Advantage plan?

Most Medicare Advantage plans will carry a $0 premium. However, your particular area and health needs can trigger a premium that can range from $9 to $112, depending on what’s included.

Is AARP UHC a Medicare Advantage plan?

Yes, an AARP UnitedHealthcare plan is a Medicare Advantage plan. While it has the AARP branding, it’s not fundamentally different than most other Part C coverage.

Does AARP UnitedHealthcare offer a Medicare Part D plan?

Yes, AARP UnitedHealthcare offers a Medicare Part D plan. You can also receive prescription drug cover

What are the benefits of AARP UnitedHealthcare plans?

The benefits of an AARP UnitedHealthcare plan are fairly standard for Medicare Advantage. You get a free gym membership, a national network, and prescription drug coverage, depending on which plan is chosen. You could also receive hearing, dental and vision benefits, plus reduced out-of-pocket costs.

How much is AARP UnitedHealthcare?

An AARP UnitedHealthcare Part C plan can range from $0 per month to hundreds of dollars. There’s no one price that can be quoted since it depends on where you live and what benefits are included.

What is the AARP UnitedHealthcare contact number?

The number to contact UnitedHealthcare about its AARP plans is 1-855-978-1767.

How is AARP UnitedHealthcare different from other Medicare Advantage plans?

AARP UnitedHealthcare plan options aren’t different than normal Part C plans, generally. The individual differences between any Medicare Advantage plans stem from where you live and what benefits are on offer in each plan.

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 in some areas.

Does AARP offer plans for people on Medicaid and Medicare?

Yes! They offer Dual Special Needs Plans (SNP) 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

If you need help enrolling in a Medicare Advantage, Supplemental, or Part D plan, we are standing by to give you the proper assistance to select the right one.

Our team of licensed insurance agents knows everything about Medicare plans, including the associated benefits and costs. Their help can give you a leg up in the enrollment process.

Give us a call today. Or simply fill out our short online rate form to be connected with the best rates in your area for a Medicare Supplement plan.

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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.