I’ve been looking into Medicare Supplement plans, and AARP/UnitedHealthcare seems to have some pretty affordable options. They even offer extra benefits if you join AARP. Has anyone here tried their plans, or have any insights on costs and coverage?
I’ve looked at AARP’s Plan G. It’s around $142 per month, which is slightly cheaper than the national average. It’s a solid option if you’re newly eligible for Medicare, since it covers most things except for the Part B deductible.
@Addison
Sounds reasonable. I heard Plan G is the go-to for most people who want a comprehensive option. They also have other plans like Plan N, which is a bit cheaper if you don’t need as much coverage.
@stevengreen
That’s right. Plan N is around $111 per month if you’re 65. It doesn’t cover everything like Plan G but could save some money.
One thing to keep in mind with AARP plans is that they require an AARP membership, which costs $16 per year. But it does come with discounts on things like travel, fitness, and even dental.
Wei said:
One thing to keep in mind with AARP plans is that they require an AARP membership, which costs $16 per year. But it does come with discounts on things like travel, fitness, and even dental.
I’ve used those AARP travel discounts. They’re decent and sometimes help offset the membership cost. If you’re already thinking about AARP, it’s probably worth it for the perks alone.
@StephieStephie
Exactly. They also have a nurse line and access to fitness programs like Renew Active, so you’re getting a bit more than just insurance coverage.
AARP’s rates are competitive, but they do vary by age and state. For example, at 75, Plan G could cost around $183 per month, and it’s $228 by age 85. So the costs increase over time.
Ira said:
AARP’s rates are competitive, but they do vary by age and state. For example, at 75, Plan G could cost around $183 per month, and it’s $228 by age 85. So the costs increase over time.
I think they give a discount when you first enroll, which decreases slowly until you turn 86. After that, you pay the full rate. It’s worth knowing how that will impact your budget over time.
@Penn
Good point. That initial discount is around 45 percent at age 65 and reduces gradually. It’s a unique structure for AARP plans.
AARP and UnitedHealthcare are separate companies, but they work together to sell these plans. AARP doesn’t actually provide the coverage—it’s UHC. AARP just handles the marketing, and they get a fee from each plan sold.
@Chen
That’s good to know. So the service and coverage are managed by UHC? I’ve read mixed reviews about customer service for both companies, though AARP generally has a better reputation for responding to complaints.
@Rio
Yes, UHC manages everything about the actual insurance, but AARP seems to keep an eye on customer satisfaction. Still, you might see some marketing mail from them after you join.
If you live in certain states like Connecticut or Massachusetts, there’s no age-based increase in rates, so it’s more predictable. A few states even have their own unique Medigap plans.
Kit said:
If you live in certain states like Connecticut or Massachusetts, there’s no age-based increase in rates, so it’s more predictable. A few states even have their own unique Medigap plans.
True, and in places like Minnesota, they use a different structure altogether. It’s a good reminder to check the state rules because they can really impact long-term costs.
@marybachman
Exactly. It’s not the same everywhere, so looking into the specifics for your area is key, especially if you’re thinking long term.