Overview of AARP® Medicare Supplement Insurance Plans for Retirees

AARP Medicare Supplement Insurance:

• Exclusively insured by UnitedHealthcare Insurance Company.
• Designed to reduce out-of-pocket expenses associated with Medicare Parts A and B.
• Helps cover costs like coinsurance and deductibles not included in Original Medicare.
• Available to retirees aged 65+ enrolled in both Medicare Parts A and B.
• Not available with Medicare Advantage (Part C) plans.

Benefits of a Medicare Supplement Plan:

1. Choice: Access any doctor or hospital accepting Medicare.
2. Control: Visit specialists without needing referrals.
3. Freedom: Nationwide coverage for travel within the U.S.

Plan Availability:

• Eight AARP Medicare Supplement plans available in most states.
• Variations exist in Massachusetts, Minnesota, and Wisconsin, but basic benefits remain consistent.
• Plans accessible in all 50 states, Washington D.C., and most U.S. territories.

Reasons to Consider AARP Medicare Supplement Insurance Plans:

1. Simplified Administration: UnitedHealthcare handles administrative services, billing, and claims.
2. Cost-Effective Rates: Insuring over 4.5 million retirees helps maintain lower costs nationwide.
3. Flexible Contribution Levels: Employers can choose to subsidize all, some, or none of the premiums.
4. Customized Experience: Personalized enrollment materials and tailored customer service.
5. Trusted Reputation: Endorsed by AARP, ensuring high standards of service and quality.

Benefits for Retirees:

• No network restrictions or referral requirements.
• Stable rates and multiple plan options.
• Coverage across the U.S., with some plans offering international travel coverage.
• Guaranteed lifelong coverage with timely premium payments.
• Simplified claims process and added value services like discounts.

Combining with Medicare Part D:

• Combining AARP Medicare Supplement plans with Medicare Part D (prescription drug coverage) offers comprehensive coverage.
• Helps retirees avoid additional costs or penalties for late enrollment in Part D.