Find AARP Medicare Insurance Agents - Compare AARP Medicare Advantage - AARP Medicare Supplement

Find AARP Medicare Insurance Agents - Compare AARP Medicare Advantage - AARP Medicare Supplement

AARP Medicare

10 reasons to compare AARP Medicare plans from UnitedHealthcare

  1. There’s no one-size fits all solution
  2. Medicare Advantage (MA) may be advantageous
  3. One MA option is an HMO (Health Maintenance Organization)
  4. Another MA option is a PPO (Preferred Provider Organization)
  5. There ‘s also PFFS (Private Fee for Service) options
  6. Or SNP (Special Needs Plans)
  7. Not to overlook Medigap and drug plan options
  8. Plan costs can vary from $0 on up
  9. There may be deductibles or other costs
  10. Plans may include drug coverage

Find Local Medicare Insurance Agents

aarp-medicare-agents-near-meThe American Association for Medicare Supplement Insurance provides the only online directory listing independent Medicare insurance agents.

Access is 100% Free AND 100% Private.

Simply enter your Zip Code and click FIND AGENTS.

The directory will instantly show agents closest to you.  You’ll see their phone number and can also email them.

Not all agents can offer AARP Medicare products from UnitedHealthcare.  You need to ask them.  But they can certainly explain the various pros and cons, costs and things to watch for when considering various Medicare insurance plan options.

Do You Need To Be An AARP Member?

No.

AARP Medicare plans are administered by UnitedHealthcare (UHC), the largest managed care insurance company in the country.

Plans are sold by a variety of insurance agents and brokers who are appointed to represent UnitedHealthcare plans.  Some agents only will offer UHC plans.  Some can do both Medicare Advantage and Medicare Supplement (Medigap) options.

It is important that you understand what the agent is allowed to sell you.  Ideally, you want someone who is unbiased and working on your behalf.  Read how do I find a Medicare broker to see our list of suggested questions to ask.

Pros and Cons of AARP UnitedHealthcare Medicare Advantage

Pros Cons
The largest Medicare insurance company,
UnitedHealthcare insures over
1 million senior Americans.		 Cost for PPO plans tend to be slightly
higher than average of other plans
in some areas.
Innovative industry leader with a large
provider network.		 In some areas, online reports indicate
customer service issues.
A $0 premium and $0 deductible plan
is available in most areas.

Many plans do include Medicare Part D
drug plan benefits plus extra benefits
such as dental, vision and fitness or
included gym membership.

In 2018, the Centers for Medicare and Medicaid Services (CMS) approved a list of new supplemental benefits that could be included as part of a Medicare Advantage plan.  UnitedHealthcare was one of the first insurers to add these new benefits to their Medicare Advantage plans.

It is important to check whether these benefits are included.

  • Non-medical transportation – typically limited to between 12 and 24 trips per year
  • An allowance for over-the-counter medications and devices
  • A personal emergency response system
  • An insulin savings program

Things To Compare AARP Medicare Advantage Plans

Here are things to help you compare costs and coverage.

  • Monthly premium
  • Deductible amount to meet
  • Annual Out-of-Pocket Maximum
  • Cost for doctor visits
  • Specialist visit costs
  • Hospital visit costs – Emergency Room
  • Inpatient days 1-5
  • Costs for hospital stays after 5
  • Drug plan coverage
  • Additional included benefits

Some recommended resources

2021 Medicare Supplement insurance statistics and data

Medicare Advantage statistics and data

Medicare Tips for consumers’