Introduction: Understanding AARP Supplemental Health Insurance
Healthcare costs can be unpredictable, and Original Medicare often leaves gaps in coverage. AARP Supplemental Health Insurance, also known as Medicare Supplement (Medigap) plans, helps cover these out-of-pocket expenses, ensuring seniors have financial protection and access to quality healthcare.
This guide’ll explore the benefits, costs, eligibility, and enrollment process for AARP Supplemental Health Insurance in 2025.
What is AARP Supplemental Health Insurance?
AARP Supplemental Health Insurance consists of Medigap plans offered through a partnership with UnitedHealthcare. These plans help pay for costs that Original Medicare doesn’t cover, such as:
✔ Copayments
✔ Coinsurance
✔ Deductibles
✔ Foreign travel emergency care (depending on the plan)
Medigap plans work alongside Medicare Parts A and B, giving seniors more predictable healthcare expenses and fewer financial surprises.
Why Choose AARP Supplemental Health Insurance?
AARP is a trusted name in senior healthcare, and its Medigap plans through UnitedHealthcare offer:
✅ Nationwide Coverage – Use any doctor or hospital that accepts Medicare across the U.S.
✅ Guaranteed Renewal – As long as you pay your premiums, your coverage won’t be canceled.
✅ Freedom to Choose Any Provider – No restrictive networks or referrals needed.
✅ Comprehensive Benefits – Helps cover costs that Medicare leaves behind.
With millions of seniors enrolled, AARP Medigap plans continue to be one of the most popular choices for Medicare Supplement insurance.
What AARP Supplemental Health Insurance Plans Are Available in 2025?
AARP offers several Medigap plans, each with different levels of coverage. Here’s a breakdown:
Note: Plan F is only available to those eligible for Medicare before January 1, 2020.
How Much Does AARP Supplemental Health Insurance Cost in 2025?
Premiums vary by state, age, and health history, but here’s a general estimate:
- Plan G – $110 to $180 per month
- Plan N – $80 to $150 per month
- Plan K & L – Lower-cost options with out-of-pocket limits
Tip: Many seniors choose Plan G as it offers comprehensive coverage at a lower cost than Plan F.
Who is Eligible for AARP Supplemental Health Insurance?
To enroll in an AARP Medigap plan, you must:
✔ Be enrolled in Medicare Parts A & B
✔ Be 65 years or older (or have a qualifying disability)
✔ Live in a state where AARP Medigap plans are available
Medigap does not cover prescription drugs, unlike Medicare Advantage plans, so you may need a separate Medicare Part D plan for medications.
When Can You Enroll in AARP Supplemental Health Insurance?
The best time to enroll in AARP Medigap is during your Medicare Supplement Open Enrollment Period:
🗓 Starts the first month you are 65 or older and enrolled in Medicare Part B
🗓 Lasts for six months
During this time:
✅ No medical underwriting required
✅ No denial for pre-existing conditions
If you enroll later, you may face higher premiums or coverage denials based on health conditions.
AARP Supplemental Health Insurance vs. Medicare Advantage
Choose Medigap if you want flexibility and nationwide coverage.
Choose Medicare Advantage if you prefer lower premiums and bundled benefits.
FAQs on AARP Supplemental Health Insurance
Is AARP Supplemental Health Insurance Worth It?
Yes, if you want predictable costs, access to any Medicare doctor, and help covering out-of-pocket expenses.
How Do I Apply for AARP Medigap Insurance?
You can enroll online at AARP’s website, through UnitedHealthcare, or by calling an insurance agent.
Can I Switch from Medicare Advantage to AARP Medigap?
Yes, but you may need to undergo medical underwriting unless you switch during a Medicare Advantage Disenrollment Period (Jan 1 – Mar 31, 2025).
What’s the Best AARP Supplemental Plan?
Plan G is the most popular because it offers comprehensive coverage at a competitive price.
Does AARP Medigap Cover Dental and Vision?
No, but you can purchase separate AARP dental and vision plans.
Conclusion: Is AARP Supplemental Health Insurance Right for You?
AARP Supplemental Health Insurance provides peace of mind, helping seniors cover out-of-pocket Medicare costs. If you want:
✔ Predictable healthcare expenses
✔ Freedom to see any doctor nationwide
✔ No restrictive provider networks
Then, an AARP Medigap plan might be the best choice for you.
📞 Call us now at 833-203-6742 to speak with a trusted advisor and explore the best AARP Supplemental Health Insurance options for 2025!
About Paula Reynolds
