AARP Medicare Supplements Offered by United Healthcare
Get a Quote »AARP and United Healthcare joined together to offer Medicare supplement insurance to seniors nationwide. This partnership was formed to offer additional products for current and future AARP members.
Medicare eligible consumers can purchase Medigap coverage as well as prescription Part D drug insurance plans through these combined organizations and a licensed insurance agent.
It is important to note that you must be an AARP member in order to enroll in their supplemental insurance plans. Medicare supplements and Part D rx coverage can be purchased, at no additional cost, through an independent agent if you desire more personal service.
Medicare Supplement Insurance from AARP
AARP offers traditional plans A-N in most states, but not all plans in every state. They also offer Select Plans C and F that require the use of the United Healthcare network doctors and facilities. Select Plans C and F are less expensive than traditional coverage and will have some network limitations. Traditional Plans C, F, and G are most popular.
In order to enroll in a Medigap plan, you first must be (or soon to be) enrolled in both Medicare Parts A and B. If you are in open enrollment or a guaranteed issue period of time, then no medical underwriting will be necessary with your application.
If you are not in open enrollment or guaranteed issue, then medical underwriting will take place and you can be turned down for coverage. If you have End Stage Renal Disease (ESRD), require dialysis, were admitted to a hospital within the last 90 days, or been recommend or discussed an inpatient hospital admittance with a medical professional, then you are ineligible for coverage.
Discounts and Silver Sneaker Membership
As part of your AARP membership, you will be eligible for vision discounts, pharmacy savings, and a 24 hour nurse hotline. Members can speak with a registered nurse by phone 24 hours a day for support and to their answer questions.
In some states, you will also receive a complimentary Silver Sneakers Fitness Program membership. This benefit is limited to participating workout facilities and will help cover your monthly gym membership dues. Arizona, Georgia, Illinois, Indiana, Ohio and Tennessee are a few of the states where this benefit is available.
AARP Medigap Monthly Premiums
Monthly premiums will vary depending on your state of residence, age, health and desired plan. Medicare supplement insurance costs will vary widely between competing companies in the same state. AARP insurance plans are competitively priced in Missouri, Florida, Texas and several other states.
You will save on your premiums if you pay for your coverage either monthly or yearly. There is a small fee to pay quarterly or semi-annually. Where offered, you and your spouse will be eligible for a 5% marital discount when enrolled together. Should one spouse enroll at a later date, the discount will still be available for both.
There is also an early enrollment discount associated with AARP Medicare supplements that decreases each year. The longer you have your policy, the lower your discount will be and accordingly your monthly premiums will increase as your discount erodes and overall rates increase. You cannot be singled out individually for a rate increase however.
AARP Part D Prescription Drug Coverage
AARP offers three different prescription Part D drug plans through United Healthcare for you to choose from. They are referred to as the MedicareRx Saver, Preferred and Enhanced plans and will vary in price depending on where you live. The MedicareRx Saver plan has an annual $310 deductible, but the prescription drug copays are less with this plan as compared to the others.
The Preferred and Enhanced plans do not have an annual deductible to satisfy, but also have larger copay amounts for most prescriptions in most tiers. Most consumers will be best served by enrolling in either the Saver or Preferred plans on price alone. All three plans have a very robust prescription drug formulary.
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Hyers and Associates, Inc is an independent agency marketing Medicare supplement insurance policies direct to consumer. We represent AARP Unite Healthcare as well as several other affordable carriers offering coverage nationwide.
