AARP/UnitedHealthcare Medicare Supplement Insurance 2024 Review

AARP Medicare Supplement Insurance plans are insured by UnitedHealthcare and offer many options for plan types.
Alex Rosenberg
By Alex Rosenberg 
Edited by Holly Carey

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Best for Medigap plan options
AARP/UnitedHealthcare Medigap


AARP/UnitedHealthcare Medigap plans have low complaint rates when compared with most competitors. There are many configurations of plan types and extras available — sometimes so many that it might be overwhelming to choose.

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Plan types offered

A, B, C, F, G, K, L and N.

NAIC complaint rate

Far fewer than expected

Premium discounts available


Plan types offered

A, B, C, F, G, K, L and N.

NAIC complaint rate

Far fewer than expected

Premium discounts available



  • Offers as many as eight out of 10 plan types.
  • Available in every state.
  • Few customer complaints and strong third-party customer satisfaction ratings.


  • Health and wellness discounts cost extra, while some competitors offer them for free.
  • Plan variations and extras can get confusing.
  • Network requirements for lower-cost Medicare Select plans.

AARP’s Medicare Supplement Insurance plans are insured exclusively by UnitedHealthcare. The AARP and UnitedHealthcare co-branded plans are available in every state and Washington, D.C.

UnitedHealthcare is the largest seller of Medicare Supplement Insurance, or Medigap, and of Medicare Advantage plans

American Association for Medicare Supplement Insurance. Medicare Data 2022. Accessed Jan 9, 2024.

AARP/UnitedHealthcare offers most Medigap plan types — often with multiple options for pricing and extra benefits. Prices are competitive, and complaint rates for the company’s Medicare Supplement Insurance plans are considerably lower than the market average.

Here’s what you should know about AARP Medicare Supplement Insurance from UnitedHealthcare.

AARP/UHC Medicare Supplement Insurance pros and cons

AARP and UnitedHealthcare’s Medigap offerings have advantages and disadvantages.



  • 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: Customers complain about AARP/UHC Medigap plans at relatively low rates, and UHC does well on third-party customer satisfaction ratings.

  • Extra perks add cost: The health and wellness discounts sold as “wellness extras” are sometimes costly, while some competitors include similar perks for free.

  • Plan types can be confusing: Some plans are offered with as many as three variations, each with different pricing, extras and restrictions.

  • Lowest-priced plans have network requirements: Medicare Select plans can have lower premiums, but only work if you can stay in-network for inpatient care.

AARP/UnitedHealthcare Medicare Supplement Insurance plans

AARP and UnitedHealthcare offer these Medicare Supplement Insurance plans in at least some locations for 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.

In addition, AARP and UnitedHealthcare offer plans in Massachusetts, Minnesota and Wisconsin according to each state's Medigap plan standards, which differ from the standardization system used in the majority of the country.

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.

🤓Nerdy Tip

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 $1,632 in 2024. 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.

Cost for AARP/UnitedHealthcare Medigap plans

The following price estimates were obtained for three metropolitan areas representing above-average, average and below-average costs for the most popular Medicare Supplement Insurance plans (Plan G and Plan N)

NerdWallet analysis of American Association for Medicare Supplement Insurance data. Best Costs Medigap 2024 – Plan G. Accessed Feb 9, 2024.

  • Los Angeles: More expensive than average.

  • Atlanta: Average cost for the U.S.

  • Dallas: Less expensive than average.

The sections below show estimated pricing information from UnitedHealthcare for a 65-year-old female nonsmoker as filed with the Centers for Medicare & Medicaid Services

Centers for Medicare & Medicaid Services. Find a Medigap Policy That Works For You. Accessed Jan 9, 2024.
. (Note: Some Medigap prices may be higher for males.)

For comparison, each table also includes the price for the least-expensive option to buy the same plan from any company that filed prices. For example, AARP/UnitedHealthcare’s lowest estimated price for Medigap Plan G in Los Angeles appears alongside the lowest price on for all Plan G policies available in Los Angeles to an applicant with identical demographics.

Plan G

On average, UnitedHealthcare’s lowest estimated prices for standard, non-Select Medigap Plan G policies were about 15% higher than the least-expensive Plan G policy in the area.

AARP/UHC price lowest price

Los Angeles









Plan N

On average, AARP/UnitedHealthcare’s lowest estimated prices for non-Select Medigap Plan N policies were about 25% higher than the least-expensive Plan N policy in the area.

AARP/UHC price lowest price

Los Angeles









AARP membership

You need to have an AARP membership to enroll in an AARP-branded insurance policy. An AARP membership generally costs $16 per year. Discounts are available if you sign up for automatic renewal or longer memberships terms.


Here are several discounts AARP and UnitedHealthcare offer to some Medicare Supplement Insurance applicants:

  • Multiple policies: Qualifying members can get a discount on monthly premiums if two or more members with the same AARP membership number have eligible AARP-branded Medigap policies. This discount can’t be combined with the household discount.

  • Household: Qualifying members can get a discount on monthly premiums if they live with another household member who is also an AARP member. This discount can’t be combined with the multiple policy discount.

  • Electronic funds transfer: Qualifying members can get a discount on monthly premiums for paying with an electronic funds transfer from their bank account.

Available discounts may vary according to factors such as your location, household status and how you apply for a policy.

UnitedHealthcare member complaints

56% fewer complaints than average

Members file complaints about AARP/UnitedHealthcare Medicare Supplement Insurance plans at a rate almost 56% below the average for all Medigap plans, according to 2022 data from the National Association of Insurance Commissioners for UnitedHealthcare and its subsidiaries that sell Medigap policies

National Association of Insurance Commissioners. Company Complaint Index. Accessed Jan 9, 2024.

NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

UnitedHealthcare’s spending on care

81.5% for member benefits

Medicare Supplement Insurance companies are required to report data on the premiums they collect and how much they spend to provide benefits for members.

Based on the most recent year of data, AARP/UnitedHealthcare Medicare Supplement Insurance plans spend about 81.5% of premiums on member benefits

. (The other 18.5% goes to overhead expenses like administrative costs, marketing, salaries and commissions.)

For comparison, the average for all companies is 80.4%. The minimum required by law for individual Medigap policies is 60%

Code of Federal Regulations. Title 42, Part 403, Section 215. Accessed Jan 9, 2024.

Additional benefits

Medigap plans have standardized Medicare benefits, but companies can offer additional perks. Here are examples of extra benefits available with some AARP/UnitedHealthcare 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 about 4.4 million Medigap beneficiaries, and its share of the total Medicare Supplement Insurance market is about 33.4%

National Association of Insurance Commissioners. 2022 Medicare Supplement Loss Ratios. Accessed Feb 9, 2024.

UnitedHealthcare Medigap customer service

Here’s how AARP/UnitedHealthcare Medigap members can contact customer service:

Compare alternatives

Here's how Medicare Supplement Insurance companies compare with AARP/UnitedHealthcare.

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 Minnetonka, 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:

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 or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

Still deciding on the right carrier? Compare Medigap plans

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