• AARP is a nonprofit, membership organization that offers Medigap plans through the UnitedHealthcare insurance company.
  • There are eight AARP Medicare supplement plans you may be able to choose from, although not every plan can be purchased in every state or county.
  • There is at least one AARP Medigap plan available for purchase in all 50 states.

If you’re an AARP member, you may be eligible to purchase an AARP Medicare supplement plan through the UnitedHealthcare insurance company. Medicare supplement plans are also referred to as Medigap.

Medigap plans are a type of supplemental insurance that is sold by private insurers. As the name implies, Medigap is meant to cover some of the gaps in healthcare costs that original Medicare (Part A and Part B) doesn’t pay. These include out-of-pocket expenses, such as copays, coinsurance, and deductibles.

AARP Medicare supplement plans are available in all 50 states.There are many plans you may be able to choose from, although not every plan is available in every area.

UnitedHealthcare offers eight standardized Medigap plans to AARP members:

  • Plan A
  • Plan B
  • Plan C
  • Plan F
  • Plan G
  • Plan K
  • Plan L
  • Plan N

AARP Medigap plans allow you to use any Medicare-approved doctor or supplier without a referral from your primary care physician. Through your plan, you will have coverage for medical services you need anywhere in the United States.

The basic coverage of each Medigap plan is standardized by Medicare. The table below provides an at-a-glance look at what each AARP plan covers.

CoveragePlan APlan BPlan CPlan FPlan GPlan KPlan LPlan N
Part A deductiblenoyesyesyesyes50%75%yes
Part A coinsuranceyesyesyesyesyesyesyesyes
Part A hospice care coinsurance or copaymentyesyesyesyesyes50%75%yes
Part A hospital costs for an additional 365 daysyesyesyesyesyesyesyesyes
Part B deductible/Part B excess chargesno/nono/noyes/noyes/yesno/yesno/nono/nono/no
Part B coinsurance or copaymentsyesyesyesyesyes50%75%yes, except for a copayment of up to $20 for some doctor’s visits and up to $50 for outpatient emergency room visits
skilled nursing facility care coinsurancenonoyesyesyes50%75%yes
foreign travel coveragenono80%80%80%nono80%
first 3 pints of bloodyesyesyesyesyes50%75%yes

Plan C and Plan F are no longer available for people who are newly eligible for Medicare as of January 1, 2020. If you already have one of these plans, you can keep it. If you were eligible for Medicare before 2020, you can still purchase these plans.

Plan K has an annual out-of-pocket limit of $6,220 and Plan L has a limit of $3,110. After you meet these limits and pay your annual Part B deductible, the plan will pay 100 percent of your covered services for the rest of the calendar year.

AARP Medicare supplement plans have varying costs and discounts, which may be determined by your state, county, or ZIP code. The table below shows some examples of rates you may see in different areas of the country.

Brooklyn, NYLos Angeles, CANew Orleans, LAMissoula, MT
Plans offeredA, B, G, K, L, NA, B, G, K, L, NA, B, C, F, G, K, L, NA, B, G, K, L, N
Average monthly premium$83.50–$270$61.44–$163.20$64.20–$149.75$49.92–$151.53

Medigap plans are a type of supplementary insurance that you may want if you have original Medicare. These plans pay some of the out-of-pocket costs that you are typically responsible for.

Not every plan is available everywhere. The costs of these plans also vary from state to state.

Medigap plans are standardized. This means that the coverage provided in each plan is uniform, no matter which insurer is selling it. However, it is up to an insurance company to decide which plans they will sell.

In Massachusetts, Minnesota, and Wisconsin, Medigap plans are standardized differently than they are in the rest of the country. These plans provide at least the same basic benefits as other Medigap plans, but they may go by other names, such as Basic plan, Core plan, or Supplement plan.

Medigap is not the same as Medicare Advantage (Part C). Medigap doesn’t pay for services that original Medicare doesn’t cover, but it does fill in the gaps of your existing coverage. You can’t get a Medigap plan if you have Medicare Advantage.

Medigap plans are guaranteed renewable. This means that if you get sick or have health problems after purchasing a plan, your insurer cannot drop you for this reason as long as you pay your monthly premium.

  • AARP is a nonprofit organization that offers its members Medigap plans through UnitedHealthcare.
  • There are eight AARP Medigap plans available, although not every plan can be purchased in every state or ZIP code.
  • Like all Medigap plans, AARP plans are designed to cover some of the gaps in Medicare coverage, such as copays, coinsurance, and deductibles.
  • Each plan varies in terms of coverage and cost. The cost you pay may be determined by your location.

This article was updated on November 19, 2020, to reflect 2021 Medicare information.


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