How does Medicare supplement insurance work?

While Medicare Parts A and B (also called “Original Medicare”) cover some healthcare costs, they don’t pay for everything. That’s where an AARP® Medicare Supplement Insurance Plan, insured by UnitedHealthcare Insurance Company, may help. Medicare supplement insurance plans from private insurers complement your Medicare coverage. These plans help cover some of your out-of-pocket expenses not paid by Medicare.

Standardized Medicare supplement insurance plan benefits are set by the federal government. That means the basic benefit structure for each plan is the same, no matter which insurance company is selling it to you.

Some plan features are:

  • A choice of plans to meet your needs and budget now and in the future.
  • You're able to keep your own doctor without network restrictions, as long as they accept Medicare patients.
  • Coverage goes with you when you travel in the U.S.
  • You are guaranteed coverage for life.
    Rates are subject to change. Any change will apply to all members of the same class insured under your plan who reside in your state.
  • You may visit any specialist who accepts Medicare patients without a referral.

The benefits of a Medicare supplement plan.

Depending on the Medicare supplement plan you choose, the plan may provide a benefit for (Benefits and cost vary depending on the plan you choose.):

  • Part A coinsurance (and most plans provide a benefit for the Part A deductible)
  • Some of the out-of-pocket costs not paid by Part B (some plans also cover the Part B deductible)
  • Cost of blood transfusions (first 3 pints)
  • Cost of up to 365 extra hospital days after you've used up your Part A benefits
  • Skilled nursing facility coinsurance or copayment
  • Part A hospice/respite care coinsurance or copayment

You pay a monthly premium and some out-of-pocket costs.

Ready to take the next step?

Find a Plan
Call UnitedHealthcare Ins. Co. 1-844-775-1729 (TTY 711)