The bottom line: AARP Medicare Supplement Insurance from UnitedHealthcare is NerdWallet’s top-rated Medigap option for 2025. AARP offers most Medigap plan types — often with multiple options for pricing and extra benefits. Plans are available everywhere, and prices are competitive. Complaint rates are also well below the market average. Jump to: Full Review
AARP Medicare Supplement Insurance pros and cons
Pros
- Plenty of plan types: Eight of the 10 standard Medigap plan types are available to qualifying applicants.
- Available everywhere: Plans are available in every state — even Massachusetts, which competitors tend to skip.
- Customers are happy: Members rarely file complaints about AARP/UHC Medigap plans.
Cons
- Extra perks add cost: Plans that include health and wellness discounts sold as "wellness extras" sometimes cost more. Some competitors include similar perks for free.
- Confusing plan variations: Some plans are offered with as many as three variations, each with different pricing, extras and restrictions.
- Medicare Select networks: Medicare Select plan premiums can be cheaper, but they require you to stay in-network for inpatient care.
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Compare against other providers
🔍 AARP/UnitedHealthcare Medigap
» More options in our roundup of the best Medicare Supplement Insurance companies
Our full review
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AARP Medicare Supplement Insurance from UnitedHealthcare rating
AARP Medicare Supplement Insurance from UnitedHealthcare earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data and more.
Based on these ratings, AARP Medicare Supplement Insurance tops our list of the best Medicare Supplement Insurance companies.
AARP Medicare Supplement Insurance plans
AARP’s Medicare Supplement Insurance plans are insured exclusively by UnitedHealthcare (UHC). UHC is the largest seller of Medicare Supplement Insurance, or Medigap, and of Medicare Advantage plans.
AARP Medicare Supplement Insurance from UnitedHealthcare generally offers these Medigap plan types that are available to any Medicare member:
Medigap Plan A — the basic benefits included in every Medigap plan without any extras.
Medigap Plan B — basic benefits plus coverage for the Medicare Part A deductible.
Medigap Plan G — the highest-coverage option available to new Medicare members.
Medigap Plan K — the lowest-cost Medigap plan, with 50% coverage for most benefits.
Medigap Plan L — a low-cost option with 75% coverage for most benefits.
Medigap Plan N — a plan with lower premiums but higher copays.
Medigap Plan C and Medigap Plan F are also available for beneficiaries who were eligible to enroll in Medicare prior to 2020. Newer Medicare members can’t buy these plans from any insurance company.
AARP’s plans in Massachusetts, Minnesota and Wisconsin fit each state’s respective standards. (Those states use different Medigap plan systems than most of the country.)
More Nerdy Perspective
Yes, AARP Medigap plans are good. They earned our highest score for Medicare Supplement Insurance companies with worthwhile discounts, low complaint rates and many plan types. UnitedHealthcare and AARP's combination of features is hard to beat. But Medigap options can vary by location, so I'd recommend comparing a few companies' quotes and/or working with a licensed agent.
Medicare Select policies add network requirements
AARP and UnitedHealthcare offer Medicare Select policies in some locations. These plans cover the same Medicare services as any Medigap plan of the same type, but they require beneficiaries to get inpatient services from in-network hospitals and health care providers.
In exchange for the network restrictions, Select plans may offer lower premiums than their non-Select counterparts.
Opting for the Medicare Select version won't save you money in every case. Compare quotes carefully to see what you might save (or not).
If you have a Medicare Select plan and get services from an out-of-network hospital, you become responsible for the Medicare Part A deductible, which is $1,676 in 2025. Exceptions are available for emergency services, services not available from an in-network hospital and when you’re more than 100 miles from home.
Select plans aren’t available in all areas or for all Medigap plan types. Enter your ZIP code on UnitedHealthcare’s website to check what’s available to you and to compare prices for Select and non-Select plans.
How much does AARP Medicare Supplement Insurance cost?
Premiums for AARP Medicare Supplement Plans from UnitedHealthcare are relatively competitive. AARP's premiums for Plan G were about 24% higher than the least expensive option in the area, and premiums for Plan N were about 37% higher.
- How we evaluate Medigap companies’ prices
We compare prices in three cities. Each city has different average Medigap premiums:
Los Angeles: Higher costs.
Atlanta: Average costs.
Dallas: Lower costs.
We use Plan G and Plan N for price comparisons. New Medicare members usually pick one of those plan types.
The sections below show price estimates filed with the Centers for Medicare & Medicaid Services. Prices are for a 65-year old female nonsmoker. (Note: Some Medigap prices may be higher for males.)
Our tables compare the company’s prices to the cheapest alternative. For example, AARP's best price for Plan G in Los Angeles is next to the lowest price from any company on Medicare.gov for the same plan.
Plan G
AARP/UHC price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $177. | $162. |
Atlanta | $153. | $120. |
Dallas | $136. | $101. |
Plan N
AARP/UHC price | Medicare.gov lowest price | |
|---|---|---|
Los Angeles | $150. | $124. |
Atlanta | $136. | $86. |
Dallas | $98. | $75. |
AARP membership
You need to have an AARP membership to enroll in an AARP-branded insurance policy. An AARP membership typically costs $20 per year. Discounts may be available for new members, automatic renewal and/or longer membership terms.
AARP Medigap discounts
Above-average discounts
Discounts can help you save on your Medigap premiums. We often see “household” discounts offered to people living with at least one other adult.
AARP’s household discounts ranged from 10% to 20% based on location. That’s higher than most other companies.
AARP offered discounts in all three locations priced for this review. Most AARP household discounts do require you to live with a spouse, not just with another adult.
Available discounts may vary according to factors such as your location, household status and how you apply for a policy.
UnitedHealthcare member complaints
40% fewer complaints than average
AARP has very good complaint rates. Its members file complaints 40% less often than the Medigap industry average. That's according to 2022 to 2024 data from the National Association of Insurance Commissioners.
NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
UnitedHealthcare’s spending on care
84.4% for member benefits
AARP Medigap plans spent 84.4% of premiums on member benefits, according to the most recent annual data. (The other 15.6% went to overhead expenses like administrative costs, marketing, salaries and commissions.) For comparison, the average for all companies is 83.9%.
Medicare Supplement Insurance companies are required to report data on the premiums they collect and how much they spend to provide benefits for members. The minimum required by law for individual Medigap policies is 60%.
Additional benefits
Medigap plans have standardized Medicare benefits, but companies can offer additional perks. Here are examples of extra benefits available with some AARP Medigap policies:
24/7 nurse line: Members can call to speak with a nurse to ask questions, discuss concerns or get help accessing community resources.
Gym memberships: Some plans include gym memberships at no additional cost.
Discounts for dental, hearing and vision: Some plans include discounts on dental services, eye exams, eyewear and hearing devices from certain providers.
Driver safety course: Some plans grant members access to the AARP Smart Driver course. Completing that course might help members qualify for auto insurance discounts.
Note: In some cases, extra perks are included only in plans sold with the “+ wellness extras” label. In most cases, these extras carry an additional cost over a version of the same plan without the extras. However, in some states, such as California, there is no option — plans automatically include the extras even though there’s no “+ wellness extras” label.
UnitedHealthcare Medicare Supplement Insurance service area
AARP offers UnitedHealthcare-insured Medicare Supplement Insurance plans in all 50 states, plus Washington, D.C., and certain U.S. territories.
UnitedHealthcare is by far the largest Medicare Supplement Insurance company. The company covers over 4.3 million Medigap beneficiaries. Its share of the total Medicare Supplement Insurance market is about 33.6%.
Compare Medicare Supplement Insurance companies
Get more information below about some of the major Medicare Supplement Insurance companies. These insurers offer Medigap plans in most states, but specifics may vary depending on your location.
About AARP
AARP is a nonprofit interest group and advocacy organization. It advocates for local, state and national policies on behalf of older Americans. AARP members can access benefits through the organization, including discounts on products and services.
About UnitedHealthcare
UnitedHealthcare is part of UnitedHealth Group, which is headquartered in Eden Prairie, Minnesota. It's the largest health insurance company in the U.S. The company offers individual- and employer-based health insurance plans, Medicare and Medicaid plans, dental and vision plans, and other types of supplemental insurance.
Read the NerdWallet reviews of these other AARP/UnitedHealthcare Medicare offerings:
Read the NerdWallet reviews of these other AARP insurance products:
Find the right Medicare Supplement Insurance plan
Because Medigap plans are standardized, you can get precisely the same Medicare benefits from any company offering the plan. So when you shop, keep these considerations in mind to find the best policy to fit your needs:
Is your preferred plan available? Health insurance companies don’t always sell every plan, so check who sells the plan you want to buy in your area.
What are the premiums? Prices for the same plan can vary between companies, so check to find the most competitive rates.
Will your premiums change over time? Most policies cost more as you age, but some companies offer policies that let you lock in a price when you sign up.
Are there extras? Medigap plans’ core benefits are standardized, but in certain cases, some companies include such perks as discount programs or gym memberships.
If you have additional questions about Medicare, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).
Best overall
- Offers as many as eight out of 10 plan types.
- Available in every state.
- Few customer complaints.
- Plans with health and wellness discounts may cost a little extra in some areas, while some competitors include them at no additional cost.
- Plan variations and extras can get confusing.
- Network requirements for lower-cost Medicare Select plans.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.American Association for Medicare Supplement Insurance. Top Medigap Insurers 2024. Accessed Jul 23, 2025.
- 2.Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jul 23, 2025.
- 3.National Association of Insurance Commissioners. Company Complaint Index. Accessed Jul 23, 2025.
- 4.National Association of Insurance Commissioners. 2023 Medicare Supplement Loss Ratios. Accessed Feb 18, 2025.
- 5.Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jul 23, 2025.
Medicare Supplement Insurance ratings methodology
NerdWallet’s Medicare Supplement Insurance (Medigap) ratings are based on pricing, discounts, plan types offered, complaint data from the National Association of Insurance Commissioners, consumer experience, additional perks and benefits, and more. To calculate each health insurance company's rating, we adjusted the scores to a curved 5-point scale, rounded to the nearest half star.
NerdWallet reviewed 15 Medicare Supplement Insurance companies based on highest enrollment and greatest online search volume. At the national level, our scored reviews include companies covering about two-thirds of all Medigap beneficiaries. At the state level, our research includes at least one of the two largest Medigap insurance companies in 48 of the 50 states, plus Washington, D.C.
These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best coverage and rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for Medicare Supplement Insurance.
Insurer complaints methodology
We examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, we calculated a similar index for each insurance company, weighted by market shares of each subsidiary. We score companies based on this index of how many complaints the company receives relative to its market share. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.
Compare Medigap plans
Insurance company | NerdWallet rating | Plan types offered | NAIC complaint rate | Premium discounts available | Learn more |
|---|---|---|---|---|---|
BEST OVERALL | |||||
5.0/5 | A, B, C, F, G, K, L and N. | Far fewer than expected | Above average | (844) 939-0223 / TTY 711 Call UnitedHealthcarefrom UnitedHealthcare | |
BEST FOR EXTRA BENEFITS | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.5/5 | A, F, G and N. | Close to expected | Average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |
BEST FOR PREMIUM DISCOUNTS | |||||
4.0/5 | A, F, G and N. | Far fewer than expected | Above average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETon NerdWallet | |
BEST FOR MEMBER SATISFACTION | |||||
 (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet | 4.0/5 | A, C, D, F, G and N. | Far fewer than expected | Below average | (855) 432-0512 / TTY 711 M-F 9AM-9PM, Sat 10AM-6PM ETSpeak to a licensed insurance agent on askchapter.orgon NerdWallet |