Does AARP have a Medicare Part D plan?

Yes, AARP offers Medicare Part D prescription drug plans, but they are administered by UnitedHealthcare (UHC) under the brand names AARP Medicare Rx Preferred and AARP Medicare Rx Saver, providing options for drug coverage to those with Medicare Part A or B. These plans offer different costs, networks, and benefits, with varying premiums, deductibles, and copays for different drug tiers.

Can I get Medicare Part D through AARP?

Medicare Part D Plans

Available to AARP members and non-members. Plans and pricing are on the UnitedHealthcare website. You'll leave AARP and go to the website of a trusted third-party. The third-party's terms, conditions, and policies apply.

Does UnitedHealthcare have a Medicare Part D plan?

Yes, UnitedHealthcare (UHC) offers Medicare Part D prescription drug coverage, providing standalone Part D plans (like AARP Medicare Rx Preferred/Saver) and including Part D within many of their Medicare Advantage (MAPD) plans, helping beneficiaries cover costs for brand-name, generic drugs, and vaccines. These plans have different premiums, deductibles, and drug lists (formularies), so it's crucial to compare options to find one that fits your specific prescription needs and budget.
 

What is the best Medicare Part D prescription plan for seniors?

• Best for low average premiums: Wellcare Medicare Part D.
• Best for $0 premiums: Humana Medicare Part D.
• Additional Medicare Part D companies.
• Best for widespread availability: AARP Medicare Part D Plans from UnitedHealthcare.
• Best pharmacy network: Aetna SilverScript Medicare Part D Plans.

Is the AARP Part D plan good?

AARP Part D plans (by UnitedHealthcare) are popular for wide availability, strong networks, and features like low insulin/vaccine costs, but quality ratings vary; some sources praise their low deductibles on generics, while others note lower member satisfaction scores and potential issues with customer service, making them good for some, but not necessarily the best fit for everyone without comparing costs and drug formularies. 

What you need to know about 2026 Medicare Part D prescription drug deductibles

How much will AARP Part D premiums be in 2025?

The average Part D total premium for Medicare Advantage plans with prescription drug coverage is projected to fall from $13.32 in 2025 to $11.50 in 2026 after Medicare Advantage program rebates are applied.

What are the major issues of AARP?

The AARP Public Policy Institute focuses on issues importance to older adults: Social Security; health issues; Medicare, Medicaid and the Affordable Care Act; work and retirement; long-term services and supports and family caregiving; consumer protection; livable communities.

Who is the largest Medicare Part D provider?

UnitedHealthcare is the largest Medicare Part D provider in the U.S., serving nearly 13.7 million Medicare beneficiaries.

Is GoodRx better than Medicare Part D?

Neither GoodRx nor Medicare Part D is universally "better"; they serve different purposes, and often work best together, with Medicare providing baseline coverage and GoodRx offering significant savings on specific drugs, especially generics, or when your plan doesn't cover a medication. You use GoodRx instead of Part D for a single prescription when its price is lower than your Part D copay, but Part D is essential for overall coverage, while GoodRx helps fill gaps or reduce costs in the coverage gap (donut hole). 

Is Blue Cross or UnitedHealthcare better?

UnitedHealthcare gets slightly higher overall star ratings than BCBS and may offer lower prices, but BCBS might offer a better customer experience.

What is the difference between AARP UnitedHealthcare and UnitedHealthcare?

AARP UnitedHealthcare refers to specific Medicare plans (Supplements/Medigap, Advantage, Part D) that UnitedHealthcare (UHC) offers under the AARP brand, requiring AARP membership for Supplements and paying UHC royalties for brand use. UnitedHealthcare is the parent insurance company, offering a wide range of health plans (commercial, Medicare, etc.) broadly, while "AARP UnitedHealthcare" is UHC's Medicare division, leveraging AARP's trusted name for seniors, making them the largest Medigap provider. The key difference is branding and target audience for specific Medicare products, not two separate companies. 

What is the maximum out-of-pocket for Medicare Part D?

For Medicare Part D, the maximum out-of-pocket (MOOP) limit for covered prescription drugs is $2,100 in 2026, a new cap established by recent legislation that significantly reduces costs for beneficiaries after they reach this threshold, paying $0 for covered drugs for the rest of the year. This cap includes deductibles, copays, and coinsurance for covered drugs but excludes monthly plan premiums, and it applies to all Part D enrollees, with lower-income individuals qualifying for "Extra Help". 

Does AARP help with prescription drugs?

Yes, AARP helps with prescriptions through its partnership with Optum Rx, offering a free discount card for savings on many drugs, with members getting deeper discounts and access to Medicare Part D plans like AARP Medicare Rx Preferred and Saver, plus advocating for better drug pricing like the 2025 Part D out-of-pocket cap. 

Does AARP UnitedHealthcare have a Part D plan?

UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. Plans may have different coverage levels, premiums, deductibles and copayments.

What is the most popular AARP medicare supplement plan?

Medicare Supplement Plan G is one of the most popular Medigap plans for beneficiaries. Plan G covers all gaps in Medicare except the Part B deductible. The best time to enroll in Plan G is during your Medigap Open Enrollment window.

Can I change my Medicare Part D plan anytime?

No, you generally can't change your Medicare Part D plan any time; most changes happen during the Annual Enrollment Period (AEP) from October 15 to December 7, with coverage starting January 1. However, you can switch during the Medicare Advantage Open Enrollment Period (Jan 1-Mar 31) if you're in a Medicare Advantage Plan, or use a Special Enrollment Period (SEP) for specific situations like moving or losing other coverage. 

Why do pharmacies not like GoodRx?

GoodRx may seem good for patients, but it's not good for their local pharmacies and communities. by contracting with large PBMs, they take away patient choice and pharmacy choice. The discounts that seem like a benefit are killing their local pharmacy, one prescription at a time.

How can I lower my Medicare Part D prescription costs?

Other ways to lower your prescription drug costs:

• Join Medicare drug coverage (Part D): ...
• Ask your doctor if you can take a generic drug, or a cheaper brand-name drug (if one's available).
• Check costs for mail-order pharmacies. ...
• Learn if the Medicare Prescription Payment Plan might be able to help you manage your costs.

What do most people pay for Medicare Part D?

The average cost for a standalone Medicare Part D plan is around $34.50 per month for 2026, but costs vary widely by plan, location, and income, with deductibles up to $615 and copays/coinsurance for drugs. For Medicare Advantage (Part C) plans with drug coverage (MAPD), the average premium is lower, projected to be about $11.50 monthly in 2026, plus your Part B premium. Key costs include premiums, deductibles (max $615 in 2026), copays/coinsurance, and potential Income-Related Monthly Adjustment Amounts (IRMAA) for higher earners. 

Is Wellcare a good Part D drug plan?

Average Part D star rating, weighted by enrollment: 3.5 stars. Wellcare's prescription drug plans get an average star rating of 3.5 out of 5 stars from CMS in 2026, weighted by enrollment [1] . For comparison, the weighted average star rating for all stand-alone Part D plans is 3 stars.

Which medicare advantage plan denies the most claims?

Centene (Wellcare) and CVS Health (Aetna) have faced scrutiny for high prior authorization denial rates in Medicare Advantage (MA) plans, with reports showing they had the most denied requests in 2023, though many denials were overturned on appeal, indicating issues with their strict criteria, while UnitedHealthcare also faces lawsuits and uses technology that has led to increased denials, especially for post-acute care, highlighting systemic challenges with MA plan claim approvals. 

Is there a better alternative to AARP?

AMAC is a membership organization for people aged 50 and over. The group calls itself "the conservative alternative to the AARP." It is one of several organizations to position itself as a conservative rival to the AARP; others include the American Seniors Association and 60 Plus Association.

What changes are coming to social security in 2026?

Here's what is new for 2026, according to the SSA: The earnings limit for workers who are younger than full retirement age (67 years old) will increase to $24,480. (There will be a $1 deduction for each $2 earned over $24,480.) The maximum amount of earnings subject to the Social Security tax will increase to $184,500.

What are the three ways you can lose your social security?

You can lose Social Security benefits by working while collecting early, leading to earnings limits; incarceration, which suspends payments; or through garnishment for federal debts like taxes, student loans, or child support, along with other factors like remarriage or changes in disability status.