AARP Medicare Supplement Insurance Underwritten by United Healthcare

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AARP and United Healthcare Insurance Company 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.

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 agency like ours if you desire more personal service.

Medicare Supplement Insurance From AARP

It is important to note that AARP is not an insurance company. The carrier underwriting these Medicare plans is United Healthcare.  AARP/UHC 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 N are most popular. At this time, they are not offering Plan G.

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/UHC 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. This discount erodes at a 3% rate each year and would be in addition to any other rate increases passed on by the plan. 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 a $310 deductible in 2014, but some prescription drug copays can be less with this plan when compared to the other two.

The Preferred and Enhanced plans do not have an annual deductible, 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.

It is wise however to price your prescriptions with the software available (or through an agent) before enrolling in any Part D drug plan.

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Hyers and Associates, Inc is an independent agency marketing Medicare supplement insurance policies direct to consumer. We represent AARP plans underwritten by United Healthcare as well as several other affordable plans offering coverage nationwide.

Category: Medicare Supplements