AARP Medicare Supplement Plans
AARP Medicare Supplement Plans are offered through UnitedHealthcare insurance company. UnitedHealthcare is a Top Medicare Supplement insurance company that provides 9 Medigap Plans: A, B, C, F, High deductible F, G, K, L, and N. Both United Healthcare Medicare Supplement plans and AARP Medigap plans include the following coverage benefits.
Medicare Part A Hospital Coverage
United Healthcare and AARP Medigap plans cover Medicare Part A coinsurance costs. For example, you are inpatient at Long-Term Care Hospital (LTCH), Original Medicare covers Part A deductible $1408 in 2020 for the first 60 days for plans C, F, G, and N. However, does not cover Part A deductible for plans A and B. Furthermore, Part A deductible is only covered 50% on plan K and 75% on plan L.
In addition, United Healthcare and AARP Medigap plans pay for the following hospital services:
- After the first 20 days in a skilled nursing facility, plans C, F, G, and N pay $176 coinsurance in 2020 up to 100 days. However, Medigap plans A and B have no skilled nursing facility benefits. However, plan K pays 50% coinsurance. In other words, you pay half. Likewise, plan L pays 75% coinsurance. So you pay 25%.
- Between 61 days and 90 days in a Long-Term Care Hospital (LTHC), all plans pay $352 coinsurance each day in 2020. That’s a $10,560 benefit.
- When a hospital has to buy blood for you, the first 3 pints of blood is covered by all plans except K and L. Medigap plan K covers 50% blood cost. Thus, you pay the other half. Medigap plan L covers 75% blood cost. So you pay 25%.
Long-Term Care Hospitals (LTCH) can treat inpatients for stays longer than 25 days. For example, patients may include people on ventilators for extended periods of time. In other cases, patients may have severe wounds or head injury.
UnitedHealthcare (AARP) Medigap Plans in 2020
Robert Bache, owner of Senior Healthcare Direct, goes through all AARP Medicare Supplement plans. In the video below, Robert says, “You can only get Plan C if you were eligible for Medicare before January 1, 2020”. Furthermore, if you are newly eligible for Medicare on or after January 1, 2020, then you are not eligible to purchase Plan C. Likewise, you can only get Plan F if were eligible for Medicare prior to January 1, 2020. Consequently, you can not purchase Plan F if you are newly eligible for Medicare in 2020. Watch the video below to find out which AARP Medicare Supplement plan is Robert’s favorite with low premiums.
Medicare Part A Deductible
Every UnitedHealthcare (AARP) Medigap plan covers and pays Part A deductible $1408 in 2020 except plans A, K, and L. Specifically, AARP plans B, C, F, high deductible F, G, and N all pay 100% of Part A deductible. However, plan K pays 50% and plan L pays 75% of Part A deductible. For example, if you had AARP plan K and were admitted as inpatient at Long-Term Care Hospital, you would have to come out of pocket $704 before Medicare pays anything.
Medicare Part B Medical Coverage
All UnitedHealtcare (AARP) Medigap plans cover Part B coinsurance costs except plans K and L. For example, you need to use ambulance service to be transported to the nearest medical facility. As a result, Original Medicare Part B covers only 80%. With AARP Medigap plans A, B, C, F, high deductible F, G, and N the other 20% is covered. However, plan K pays 50% and plan L pays 75% of your 20% ambulance service. In addition, you will need to pay Part B annual deductible of $198 in 2020 if you have plans A, B, G, K, L, and N. However, the Part B deductible is covered by plans C and F.
In addition, United Healthcare AARP Medicare Supplement plans cover the pay for the following medical services:
- When colorectal cancer screening discovers the presence of abnormal tissue (polyp) and the doctor removes a sample for later examination, AARP plans pay the 20% coinsurance for you.
- After you pay $198 Part B deductible in 2020 (except plans C and F), AARP plans pay 20% coinsurance cost for diabetes self-management training.
- For men over the age of 50, AARP plans pay 20% coinsurance cost for prostate cancer digital rectal exam after you pay $198 Part B deductible (except plans C and F).
United Healthcare AARP Medicare Supplement plans F and C cover and pay the $198 Part B deductible for you. In addition, Medigap plan N may require Part B copayments for some medical services.
United Healthcare AARP Medicare Supplement Plan N
AARP Medigap plan N will require you to pay Part B copayments in the following cases:
- Outpatient visits to a medical facility will require you to pay up to $20 per visit
- Outpatient Emergency room visits will cost you $50 copayment
The only exception to paying Part B copayment is staying at a medical facility for 24 hours or longer as inpatient. Otherwise, any outpatient medical services will result in you paying Part B copayment.
What is not covered by Medigap Plan N?
Medicare Supplement Plan N does not cover the annual Part B deductible of $198 in 2020. Furthermore, it does not cover Part B excess charges. Thus, AARP Medigap Plan N requires you to pay the annual $198 Part B deductible before AARP will cover any medical services.
Compare UnitedHealthcare (AARP) Medigap Plans
You can use the chart below to compare Medigap benefits side by side for all AARP plans. Benefits marked X do not cover that benefit. The 100% indicated the full benefit is covered. Other percentages only cover the benefit by that amount. For example, some plan K benefits only pay 50%. As a result, you would be responsible to pay the other half.
AARP Medicare Supplement Plans F and G
AARP plans F, high deductible plan F, and G are the only Medigap plans which pay Medicare Part B excess charges. You can be charged Part B excess charges when your doctor does not accept Medicare assignment. For example, a non-participating doctor can either accept or not accept Medicare assignment. If your doctor does not accept Medicare assignment, you will have to pay a 15% excess charge without Medigap F or G. For instance, 15% of medicare-approved price is $400 would result in you paying $60 excess charge. However, if you have AARP Medicare Supplement Plan F or G, you can avoid Part B excess charges.
How to Avoid Medicare Part B Excess Charges
The easiest way to avoid Medicare Part B excess charges is to enroll Medigap plan F or G. Otherwise, you will need to check if your doctor accepts Medicare assignment. The Physician Compare tool shows you whether your doctor accepts Medicare assignment or not.
Shop and Compare Medigap Plan Prices
There are a number of benefits to using a Medicare insurance broker like Senior Healthcare Direct. A huge benefit is you can compare any Medigap plan with over 30 A-rated insurance carrier at Senior Healthcare Direct. This includes insurance brands you know and trust such as UnitedHealthcare AARP, Aetna, Mutual of Omaha, and many more. For example, we can compare Medigap Plan G prices with multiple carriers and choose the best price to save money. Call Senior Healthcare Direct at 1-855-368-4717 or click the get quote button below.
Commonly Asked Questions About AARP
You must be a member of AARP to get AARP Medigap plan.
No, AARP endorses the AARP Medicare Supplement Insurance Plans which are insured by UnitedHealthcare Insurance Company.
No, it does not include Silver Sneakers. However, it does include a gym membership called Renew Active.
UnitedHealthcare, the insurer for AARP, dropped Silver Sneakers because 90 percent of UCH members who are eligible for SliverSneakers did not use the benefit.