Questions? Call for details. (888) 414-4547

2018 AARP Medicare Supplement Plans – F, G & N

Get a Quote
Select coverage type
Enter your zip code
Select Your State

When compareing 2018 AARP Medicare supplement plans, it might surprise you to learn that this organization is not actually a health insurance company. The American Association of Retired People is actually a large non-profit that serves the needs of about 40 million members through political advocacy and providing information about health, finances, and other relevant issues. Of course, they also help United Healthcare, often called UHC for short, to market senior insurance products. 

If you see references to AARP Medicare supplement plans in 2018, you can translate that to also mean United Healthcare Medicare supplement plans. This partnership has worked out pretty well because United Healthcare is the largest provider of senior health insurance products in the United States. Right now, UHC covers about one-third of all Medicare beneficiaries who have a supplement. This is a larger share than any other company, and they also holds a similarly large share of the U.S. Medicare Advantage market.

Are United Healthcare supplement plans right for you? Our Medicare insurance agency is also proud to help serve the needs of seniors by offering competitive quotes for all sorts of Medicare health insurance, including Medicare supplement plans. Get started by using our quick quote form online or by calling the toll-free phone number. We want to offer you the information that you need to make the best choice for Medicare insurance.

Why Are AARP Medicare Supplement Plans So Popular?

Before presenting the benefits of AARP Medicare supplement plans for 2018, it might be helpful to consider some retirees who prefer to enhance Original Medicare with Medigap plans. As you probably know, MA plans have become an attractive option because of the typically low rates, included Part D, and additional valuable benefits. Still, about one in five Medicare recipients in the United States chose Medicare supplement plans.

One problem is that almost all Medicare Advantage companies will use a provider network to control costs. That means you may have to follow network rules that limit your choices of doctors, hospitals, and other medical services. A second issue is that MA plans may seem cheap when you just compare the monthly cost to enroll. However, you may find that you have many deductibles and other sorts of cost-sharing payments to make that may be covered under a Medicare supplement plan.

If you hope to spend your retirement traveling, choosing your own specialists, and being able to predict your medical costs, you may be happier with a supplement. For instance, you can live that dream of traveling around in an RV to visit your grandchildren and know that providers all over the country will recognize and accept your health insurance. Some supplements will even help pay for urgent medical services outside of the United States, but you probably can’t count on an HMO for that.

It is true that supplements are likely to cost more every month than Medicare Advantage. According to a recent McKinsey study, seniors don’t make health plan decisions only based upon price:

  • When senior citizens were asked to design their own “dream” medical plan as an experiment, survey recipients knowingly created coverage that would actually cost more than what they were currently paying for premiums.
  • Survey participants did not want to limit their access to a good choice of doctors for rates that might be lowered by $25 to $50 a month.
  • When the survey asked the seniors how the cost of their plan stacked up, just 14 percent reported belonging to the cheapest option in their area.

We certainly don’t advocate overpaying for any Medicare supplemental insurance policies. A big part of our own mission is to make sure our website visitors and clients get a good value when they do invest in Medicare insurance. We have simply learned that our most satisfied clients take the time to weigh premiums against the benefits that they will receive. So some advantages of Medicare supplements could include more freedom to choose health providers, more robust coverage, and plan stability.

If you want to enhance Original Medicare with a policy that will won’t require you to follow network rules, can drastically reduce or even eliminate out-of-pocket medical bills, and will remain stable each year, then you might consider budgeting for an AARP Medicare supplement plan in 2018.

This is a brief overview of some highlights of the benefits of 2018 AARP Medicare supplement plans:

  • No networks: You have the freedom to visit any doctor or another healthcare provider who accepts Original Medicare. If you plan to stay in other cities or even outside of the country, you can find supplemental insurance that can offer you peace of mind.
  • Membership perks: Your AARP Medicare supplement may come with membership benefits that could include other health-related discounts or Silver Sneakers for a free membership to a fitness center. These benefits are not part of your actual insurance, but they still may help you control your medical costs and improve your health.
  • Standardized policies: Since every supplement only provides that standardized benefits for its level, you don’t need to worry about changes to your coverage each year. Basically, you are free to simply select the supplement that suits your needs and then compare prices between AARP and top-quality Medicare insurance providers.

An Overview of Popular AARP Medicare Supplement Plans for 2018

Get a Quote
Select coverage type
Enter your zip code
Select Your State

Most states use standardized Medigap plans that range in names from Plan A to Plan N. Out of several options available in most places, we have found that clients tend to choose one of three. These are AARP Medicare Supplement Plan F, AARP Medicare Plan G, and AARP Medicare Supplement Plan N. You might base your decision upon your budget and how you prefer to access medical care.

To simplify your research, take a moment to review the basics of these three Medigap plans below.

2018 AARP Medicare Supplement Plan F

The popularity of AARP Medicare Supplement Plan F reinforces the idea that savvy seniors don’t just consider monthly prices when they choose their supplemental Medicare insurance. Medicare Plan F almost always costs the most; at the same time, it helps pay for every Medicare-covered service allowed.

It works with Original Medicare to close those gaps that are left by deductibles, limits, and coinsurance. It will even cover excess charges, or bills that are higher than Medicare allows, and urgent medical care outside of the country.

2018 AARP Medicare Supplement Plan G

While about 40 percent of all Medicare recipients have selected Plan F, many seniors have also noticed something about AARP Medicare Supplement Plan G. When you check these two plans, you should notice that the only thing that has been left out of Medicare Plan G is the deductible for Part B of Original Medicare.

Since this annual deductible currently about $180, you might choose Medicare Plan G. Very often, can save more than the annual deductible amount in one year of paying less for your coverage than you would have to pay for Medicare Plan F. It hardly makes any sense to pay more for insurance than you would have to pay for a particular service in the first place. This may not always apply to everybody, but you can take the opportunity to compare rates for various Medigap plans to see if it applies to you.

2018 AARP Medicare Supplement Plan N

We understand that many retired people have to budget monthly expenses carefully. Those relatively healthy retirees may not care to pay higher monthly rates for services that they probably won’t need to use that often. AARP Medicare Supplement Plan G gives you a way to pay less for very sound financial security.

With AARP Medicare Supplement Plan F, for example, you get coverage for excess charges and the Part B annual deductible. In addition, AARP Medicare Plan F benefits will pay for Part B coinsurance and copays. Plan N doesn’t handle excess charges or the Part B deductible, and it also may require a fairly modest copay for doctor’s office visits and some trips to an emergency room. Most of you would not take a huge risk if you bought a much cheaper plan and had to pay an occasional copay or preferred to visit doctors who charged Medicare-allowed amounts.

Which one of the 2018 AARP Medicare supplement plans is best for you? As you can see, AARP Medicare Supplement Plan F benefits are quite robust and may keep you from having any extra bills to handle. At the same time, you might find that you have a chance to save money and risk very little if you choose Plan G or even Plan N. We hope these tips help you get the right plan and save money when you decide which Medigap plans will work best for you.

What About AARP Part D?

In past years, seniors had a huge problem because Original Medicare had never been designed to help with regular prescription costs. For instance, Part A might help pay for medicine received inside a hospital or similar facility. Part B only defrayed the cost of prescriptions in specific outpatient facilities. This made it tough for many Medicare recipients to afford the prescriptions that they needed to pick up at the local drugstore every month.

Since Original Medicare doesn’t help pay for regular prescription drugs, this also isn’t included in AARP Medicare Supplement Plan F benefits. Your membership with AARP Medicare supplement plans might also give you some additional discounts and perks, like Silver Sneakers, but this still won’t help you pay the pharmacy or qualify as prescription insurance.

If you don’t already have creditable drug coverage, you will need Part D. Otherwise, you will get a penalty when you try to sign up for Part D in the future. Even worse, you won’t get any help paying for your prescriptions. You are welcome to buy your stand-alone Part D from AARP and United Healthcare, but you are also welcome to shop around to see which options will help pay for the types of medicine that you rely on.

When Do You Buy a AARP Medicare Supplement Plan in 2018?

You’ve probably heard about the annual Open Enrollment for Medicare Advantage. You can apply for Medigap plans at any time, so you don’t have to wait for a yearly event. However, you can benefit from special Guaranteed Enrollment periods when you don’t have to answer any health questions on your application.

The most common time for Guaranteed Enrollment begins the month that you start taking Part A and B, and it lasts for six more months. You may also get other Special Enrollment periods if you lose your plan, move out of the company’s service area, and for a few other reasons.

At other times, you can still buy Medicare supplement plans. However, the insurer is allowed to require a health application. It’s possible they could charge you more than the standard price or even decline your application during this time. You should know that insurers want business, so they don’t charge more or decline for every small medical issue. If you’re not sure if it’s a good idea to apply for AARP Medicare Supplement Plans, you can always speak confidentially with a qualified agent.

Sample Quotes for AARP Medicare Supplement Plans

Get a Quote
Select coverage type
Enter your zip code
Select Your State

By now, you’re probably curious about how Medigap plans will cost you. You probably already know that your quotes can depend upon many factors. Some examples might include your age, your hometown, and in particular cases, your health.

We need to offer a disclaimer that these sample quotes for Pennsylvania, Texas, Illinois, California, Michigan, and Arizona probably won’t tell you how much AARP would charge you. We aren’t endorsed by either United Healthcare or AARP and are only offering you these samples for informational purposes.

These are examples of AARP Medicare supplement plans for a 65-year-old male who does not use tobacco in selected locations within the states:

Illinois:

  • Plan F:
  • Plan G:
  • Plan N:

Texas:

  • Plan F:
  • Plan G:
  • Plan N:

Pennsylvania:

  • Plan F:
  • Plan G:
  • Plan N:

California:

  • Plan F:
  • Plan G:
  • Plan N:

Michigan:

  • Plan F:
  • Plan G:
  • Plan N:

Arizona:

  • Plan F:
  • Plan G:
  • Plan N:

Why Would We Suggest 2018 AARP Medicare Supplement Plans to Our Clients?

When it comes to Medigap plans, nobody in the United States sells more of them than AARP does. The company has enjoyed a 96-percent satisfaction rate and very high retention of members. Besides, both the nonprofit and the health insurance company have earned a good reputation for helping to promote causes that are important to seniors and their families.

Given a choice, most of us would prefer to do business with organizations that use their resources to promote worthy causes. This is good for our communities, and apparently, it’s also good for business. Along with your Medigap plans, you may also enjoy some extra perks, like discounts and Silver Sneakers, so we believe that AARP Medicare Supplement plans will offer you an excellent value for your money.

Compare Quotes for United Healthcare Medigap Plans from AARP

We never try to suggest that there is one best company for Medicare supplement plans. In fact, we pride ourselves on helping our online visitors and clients find the best Medicare supplemental insurance in their local areas, and the choice of supplemental Medicare insurance often depends on where you live, your budget, and your preferences. In many cases, we suggest Medicare supplement plans; however, we are also here to help with Medicare Advantage, Part D, and other kinds of insurance.

We’d like to invite you to use our quick internet quote system to check rates and available options for Medicare supplement plans, Medicare Advantage, and Part D in your town or city. Besides just giving you a fast way to check prices, we also want to help you learn what various kinds of insurance will cover.

If you have specific questions, you can use our toll-free phone number to place a quick call to an experienced Medicare agent. We can provide you with competitive rates and plan details. Most of all, we want to help you find the best Medicare insurance for yourself or somebody you care about.