AARP Medicare Supplement Insurance Plans
Medicare supplement insurance plans are health insurance plans sold by private insurance companies to help supplement the out-of-pocket costs associated with Medicare Parts A and B. These plans are designed to help pay for some or all of the costs that Medicare does not pay, such as coinsurance and deductibles.
AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company (UnitedHealthcare Insurance Company of New York for NY Residents).1 For retirees age 65 and older who are enrolled in both Medicare Parts A and B, these plans offer a variety of coverage choices to help supplement their Medicare Parts A & B and help reduce some of their health care costs.
AARP membership is required to enroll in the plan. However, if a retiree is not currently a member, UnitedHealthcare Insurance Company will pay for the first-year membership (this offer is not available for New York residents).
AARP Medicare Advantage HMO, PPO & POS Plans
What are HMO, PPO & POS plans?
Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPO) and Point-of-Service (POS) plans are types of network-based plans. Here's how they differ; HMOs provide coverage for plan members through a network of locally contracted doctors and hospitals. These plans generally do not provide coverage outside the network of contracted providers, except in emergencies.
Local PPO & POS plans let plan members choose between in-network and out-of-network providers. These plans cover all medically-necessary covered benefits, whether they're received in network or not. However, services outside the network will generally cost more.
National PPO plans provide even greater flexibility to plan members by keeping the member's cost sharing the same whether using in-network or out-of-network providers. These plans are designed as one alternative to Group PFFS plans, which are no longer offered by UnitedHealthcare due to federal regulation changes.