Medicare Advantage

AARP Medicare Plans

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For more information on AARP Medicare, please call the number below to speak with a healthcare specialist:

1-1-800-810-1437TTY 711

What do AARP Medicare Plans offer? Becoming eligible for Medicare may be welcome to seniors who want quality healthcare. But deciding which healthcare plan to choose may seem daunting to those people who often turn to friends, relatives or consumer advocate groups to help them make their healthcare plan choices.

Use the form below to obtain real time pricing information for AARP (United Healthcare) Medicare Supplement and Medicare Advantage Plans. AARP is one of the most popular choices for active individuals seeking robust medicare benefits. Once you complete the basic census form, you will have access to information regarding prescription drug coverage, doctor networks and co-pays. Please note that you will not be contacted by multiple parties. HealthNetwork respects your privacy and works very hard to ensure a quality consumer experience. HealthNetwork helps more than 17 million American families a year safely research their healthcare coverage options, while making sure to protect and respect their right to privacy.

AARP Medicare Plans Click Here To Get 2022 Pricing

One of the most commonly asked questions about plan offerings that we receive is on AARP Medicare Plans. In this detailed overview, we examine some of the benefits of the AARP plans. We’ll also take a closer look at who they are underwritten by and any possible positives or negatives that AARP Medicare plans might have.

AARP and Medicare – Why is AARP offering Medicare services?

Yes, friends and family are often good resources to use to find a plumber or mechanic. But relying on their opinions and aid when shopping for healthcare will not always result in securing quality healthcare at the best possible price. The reason it is not a good source of best practice information is because every person’s healthcare needs are different, both in the scope of your individual healthcare coverage needs and your budgetary restraints. In other words, what’s good for the goose may not be good for the gander.

Should you leave our site and still have questions, you have a few options. One would be to contact us by our toll-free number, 800-810-1437, to ask a question to a licensed Medicare insurance specialist.

Another option is to turn to a government resource website. While many government websites can be difficult to navigate through and do not always offer the best overall user experience, they are, in fact, the authority on the subject matter. So, if time provides you an opportunity to do so, it is highly recommended that you check with the official Medicare website, This will allow you to familiarize yourself with Medicare terms and to research the program. Having the basic information regarding Medicare will also help you assess other healthcare plan options offered by outside insurance companies and whether or not they will benefit you.

As mentioned earlier, some people turn to advocacy groups to help them sift through all the available information and even to receive rates at discounted prices. One such advocacy group that is widely known and trusted by many is the AARP.

Naturally, a decision such as choosing your healthcare plan provider is a very important one. Whether you are choosing Medicare or an outside private insurance company, utilizing every possible informational tool available to you is an added protection that helps to ensure that you will be making an informed decision that is right for you. Therefore, getting advice from what you consider to be a trusted advocate could be considered an additional tool.

It should be understood and known that we are not recommending any insurer or advocacy group contained in this article. Rather, we are simply providing information on a topic of interest to our users and any and all parties mentioned are in no way directly affiliated with us or any of our subsidiaries. The information provided is done merely as a convenience to our readers to help provide information of interest to them. It is not an endorsement of any insurance company, plan or advocacy group.

Furthermore, Medicare is an entitled right to healthcare by all who are eligible. It is a complex insurance plan designed to ensure quality healthcare to all U.S. citizens or legal United States residents of five years or more who have reached the age of 65. And, it ensures quality healthcare for the disabled on Social Security or other health conditions deemed eligible by Medicare or Medicaid eligibility standards.

While there are certain requirements under Medicare, in no way is any person required to purchase optional insurance plans from other entities outside of the Medicare system. However, depending on your own personal medical and healthcare needs, purchasing additional coverage may be a choice you wish to consider. Due to this fact, we have chosen to provide information thought to be of informational assistance to you.

Because AARP is a widely known and popular option, we have used their information as an example of an optional source of information and co-provider of insurance options available in the insurance marketplace. It is our sincere hope that the information provided below is of some value to you. Again, we want to clarify, the coverage and information we are providing is in no way is an endorsement.

What is AARP?

AARP was originally known as the American Association of Retired Persons, changing its name to AARP in 1999 to better reflect its membership since it no longer requires members to be retired. It is a self-described nonprofit, nonpartisan organization that advocates for seniors on social issues of importance, including healthcare, employment security, retirement planning, and the quality of marketplace products and services. It also provides its members with discount opportunities on products, travel and other various services, particularly healthcare.

According to AARP’s mission statement, it is their goal, through relationships with leading companies, to make various healthcare products, services and discount information available to their members. The information is free to AARP’s 37 million subscribers. And though AARP does provide information on a range of healthcare plans from particular insurance companies, neither AARP nor its affiliates are insurers. Instead, AARP contracts with insurers to provide available coverage to its members.

Below, we will provide a brief outline of the Medicare plan options offered through AARP. It is meant only to provide general information as to what is typical in coverage. This information is generalized and not specific. If you’re considering a certain health plan, pay close attention to details, cost, limitations, and requirements.

If you have any questions at all, don't hesitate to call and speak with one of our healthcare professionals. Available 24/7 at 1-800-810-1437TTY 711

AARP Medicare Advantage Plans

Through AARP, in conjunction with United Healthcare or one of its affiliated companies, healthcare plans called Medicare Advantage (Part C) plans are available to AARP members. Medicare Advantage plans are operated by private insurers and offer AARP members a combination of Medicare plans. These include Part A (hospital coverage) and Part B (doctor coverage) along with additional services and benefits.

Under the plans available, many have coverage that includes prescription drugs or Medicare Advantage with Prescription Drug (known as MA-PD) plans. These plans frequently are offered with no additional premium beyond that which is already paid for you with the Part B premium. In order to qualify for enrollment in a Medicare Advantage Plan, you must already be enrolled in original Medicare (Parts A and Part B) and continue to pay your Medicare Part B monthly premium*.

* Unless your Part B premium is paid for by Medicaid or another party.

AARP Medicare Advantage plans combine all your benefits into one plan. The plan includes coverage for hospitals, doctors and prescription drugs. Coverage cannot be denied for pre-existing conditions, and no physical examination is required to enroll in the plans.

When you’re considering a policy through AARP, it’s important to know whether your financial situation requires you to have a higher monthly premium and lower out-of-pocket costs or a lower monthly premium and higher out-of-pocket costs. This is because AARP offers plans that meet both needs. AARP also can create plans that require participants to only visit doctors:

  • Who are on a pre-approved list
  • Who are considered in-network
  • Who have policies that provide more flexibility

It’s also important to know whether you need a policy that will provide coverage nationwide or whether you only need coverage locally. If you are active and travel often, it would be beneficial to choose a policy that covers claims across the country. AARP offers different types of plans:


Health Maintenance Organization HMO Plans

  • You must obtain healthcare services from a network approved by the plan, which are normally limited to your local area
  • Emergency room, urgent care and dialysis services do not have to be provided by local providers
  • Most plans require referrals from your primary care physician in order to visit a specialist
  • Out-of-pocket costs are usually lower than they are with PPO and POS plans


Point-of-Service POS Plans

  • Much like HMO plans except you can see providers for some services that are outside the regular network
  • Seeing providers outside the network may cost more than those inside the network
  • Some plans will require a referral from your primary care physician in order for you to see a specialist
  • Your out-of-pocket costs will probably be higher than with an HMO but less than PPO plans


Preferred Provider PPO Plans

  • You are not limited to providers within a network, although costs could be higher
  • You are not required to obtain a referral from your primary care physician to see a specialist
  • Out-of-pocket costs are typically the highest with a PPO Plan
Additional Benefits

AARP plans offer additional benefits as well. Many plans begin with $0 monthly premiums when used in conjunction with the Medicare Part B premium. There’s also a maximum yearly limit on expenses and fixed annual co-pays for many services, including doctor visits. You may also benefit from:

  • Preventive services with no copay
  • Worldwide emergency care coverage
  • A 24-hour nurse hotline
  • Annual eye exams
Optional Coverage at Additional Cost

There are additional coverages available through AARP as well, although many of them require an additional premium. These include:

  • Annual hearing exam
  • Hearing aid benefit
  • Name brand and generic prescription drug plans similar to Medicare Part D
  • Preventive medicine wellness programs
  • Routine eyeglasses

There may also be some benefits available that Medicare does not cover.


AARP Medicare Prescription Drug Plans

In addition to offering a Medicare Advantage plan, AARP also offers a Medicare Prescription Drug plan that is similar to original Medicare’s Part D program.

AARP’s drug program is offered through UnitedHealthcare or one of its affiliates. There are three different types of plans: AARP MedicareRx Walgreens, AARP Medicare Rx Saver Plus, and AARP MedicareRx Preferred. All three plans require you to pay no more than 51 percent of the total cost of generic drugs or 40 percent of the cost of name-brand drugs in any drug tier during the coverage gap. Individual programs, associated benefits and costs may change each year. Here are the basic details of each:

AARP MedicareRx Walgreens

The AARP MedicareRx Walgreens prescription drug plan may be a good plan if you want a low premium and can fill prescriptions at a Walgreens location. Benefits include:

  • Most generic drugs covered by Medicare Part D
  • A $0 deductible for drug Tiers 1-2 and $400 deductible for drug Tiers 3-4

As long as you fill your prescriptions at Walgreens, co-pays can be as low as low as $0. Optimum Rx Home Delivery allows you to pay $0 co-pay for a 90-day supply of Tier 1 medications, which are typically generic drugs. The $0 co-pay is for Tier 1 medications during the initial coverage phase. It may not apply during the coverage gap, and it does not apply during the catastrophic stage.

AARP MedicareRx Preferred Plan

If you are looking for a plan with better drug coverage but still need good value, you may benefit from the AARP MedicareRx Preferred prescription drug plan. Benefits include:

  • A $0 annual Deductible
  • Most generic and many commonly used brand-name drugs covered by Medicare Part D
  • Co-pays as low as $2 when prescriptions are filled at a Preferred Retail Network Pharmacy

Home delivery includes $0 co-pay for a 90-day supply of Tier 1 and Tier 2 medications. The $0 co-pay is applicable for Tier 1 and Tier 2 medications during the initial coverage phase and may not apply during coverage gap. It does not apply at the catastrophic stage.

MedicareRx Saver Plus Plan

If you’re looking for coverage for commonly used prescriptions, you may benefit from the AARP MedicareRx Saver Plus prescription drug plan. Benefits include:

  • A $400 annual deductible
  • Most generic and many commonly used brand-name drugs
  • Co-pays as low as $1 when filled at a Preferred Retail Network pharmacy

Home delivery includes $0 co-pay for a 90-day supply of Tier 1 and Tier 2 medications. The $0 co-pay is applicable for Tier 1 and Tier 2 medications during the initial coverage phase and may not apply during coverage gap. It does not apply at the catastrophic stage.


AARP Medicare Supplement Insurance Plans

These plans, also known as Medigap plans, are insured by UnitedHealthcare Insurance Company and their affiliates. They’re used to supplement medical expenses incurred by original Medicare. More specifically, if part of a claim is not paid for by Part A or Part B, an AARP Supplement Insurance plan may cover the cost.

The Supplement Insurance plan does not limit which healthcare providers you can visit. So long as the healthcare professional accepts your original Medicare coverage, the AARP Supplement Insurance plan can be used.

When you enroll in an AARP Supplement Insurance Plan, the representative or questionnaire will ask you for certain information, including your birthdate, the start date of your Medicare Part B plan and the date that you want the Supplemental Insurance policy to begin. This information will be used to determine your standard monthly rate for coverage for Medicare Parts A and B.

The Supplemental Insurance policy is considered a coinsurance policy.

The AARP Supplement Insurance policy cannot be used to pay your Medicare Part A or Part B deductibles. There also may be limitations on what it will pay for other services offered under Parts A and B. You will need to closely review your policy terms for those specifics.

Should you have any questions regarding any of these plans, do not hesitate to contact us directly regarding all of your options. And if you’re interested in viewing Medicare Advantage, Part D or a Supplemental plan, we invite you to shop with us at

*Star Rating
The star rating listed above is reflective of results of consumer polling from individuals who have used in the past and or currently use that carriers medicare plan. These do not reflect star ratings that have been assigned to each individual carriers plan by CMS. For detailed information about each plans CMS star rating please visit