What is the average cost of AARP Medicare Supplement insurance?

AARP Medicare Supplement (Medigap) costs vary widely by plan, age, and location, but expect monthly premiums generally from under $100 to over $200, with popular Plan G averaging around $177-$195 for many beneficiaries, while High-Deductible Plan G offers lower premiums (starting around $44-$81) in exchange for higher out-of-pocket costs, with Plan F premiums potentially ranging from $170 for younger enrollees to over $200 for older ones.

How much is the AARP medicare supplement monthly?

AARP Medicare Supplement (Medigap) plans vary significantly in monthly cost, generally ranging from around $30 to over $200+ per month, depending heavily on your age, location, plan choice (like G, N, or high-deductible G), and lifestyle (e.g., tobacco use). For example, you might see costs from under $70 for Plan K to over $200 for comprehensive Plan G, with Plan N often falling in the mid-range, but a personalized quote is essential for accurate pricing. 

Is AARP supplemental insurance worth it?

AARP (UnitedHealthcare) Medicare Supplement (Medigap) insurance can be worth it for its trusted brand, broad network, and valuable perks like fitness programs (Renew Active), hearing/vision discounts, and a nurse line, but it often comes with higher premiums than smaller insurers, requiring a cost-benefit analysis against your budget and need for reliability and extra services. The value depends on prioritizing stability and extras versus finding the absolute lowest monthly cost, as some plans offer identical coverage for less. 

What does an average person pay for Medicare with a supplement?

The average Medicare Supplement (Medigap) premium varies significantly by plan, age, and location, but generally falls between $90 to $300 monthly, with popular options like Plan G averaging around $150-$200/month for new enrollees, while costs can range from under $40 for high-deductible plans to over $500 for comprehensive coverage, according to 2025 data. 

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.

Comparing AARP Medicare Supplement Insurance Plans

What's the best supplemental insurance for Medicare for seniors?

There's no single "best" Medicare Supplement (Medigap) plan, as it depends on your budget and needs, but Plan G is the most popular and comprehensive for new enrollees, covering most costs after your Part B deductible, while Plan N offers lower premiums with small copays for doctor visits and ER trips. Top providers like AARP/UnitedHealthcare, Humana, Blue Cross Blue Shield, and State Farm offer competitive rates and services, so compare costs and benefits in your area.
 

Is it better to go on Medicare or stay on private insurance?

Neither Medicare nor private insurance is universally "better"; the best choice depends on individual needs, but Medicare often offers lower overall costs and simplicity for seniors, while private insurance excels in covering dependents and potentially offering more choice with networks/out-of-pocket caps, though at higher premiums. Medicare boasts lower admin costs and standardized coverage, but Original Medicare lacks an out-of-pocket maximum, a feature typically found in private plans and Medicare Advantage (Part C). 

What is the downside to Medicare Supplement plans?

The main disadvantages of Medicare Supplement (Medigap) plans are high monthly premiums, the need to buy a separate Part D plan for prescription drugs, and the lack of built-in extras like dental, vision, or hearing coverage, requiring extra policies; also, switching plans can be difficult due to medical underwriting, and rates typically increase annually. 

What is the average Medicare Supplement premium in 2025?

For 2025, average Medicare Supplement (Medigap) premiums generally fall between $90 and $300 per month for popular plans like G or N, with costs varying widely from around $32 for high-deductible options to over $500 for comprehensive coverage, depending on your age, location, carrier, and specific plan. Plan G averages around $155/month for new enrollees, while Plan N might average $112-$150/month for younger beneficiaries, increasing with age. 

Why is my Medicare Supplement premium so high?

Demographics – Your age, location, and gender can affect your premium rate for a Medicare supplement plan. Depending on where you live, you may pay more for your coverage. Age and gender can play a part in pricing, too. For example, women typically have longer life expectancies than men.

Is UnitedHealthcare through AARP a good?

AARP Medicare Supplement Insurance from UnitedHealthcare earned 5 stars out of 5 for overall performance. NerdWallet's ratings are determined by our editorial team. The scoring formula takes into account pricing, coverage options, online quote availability, complaint data and more.

What are the biggest mistakes people make with Medicare?

The biggest Medicare mistakes involve missing enrollment deadlines, failing to review plans annually, underestimating total costs (premiums, deductibles, copays), not enrolling in a Part D drug plan with Original Medicare, and assuming one-size-fits-all coverage or that Medicare covers everything like long-term care. People often delay enrollment, get locked into old plans without checking for better options, or overlook financial assistance programs, leading to higher out-of-pocket expenses and penalties. 

What happens if you can't afford a Medicare Supplement plan?

If you can't afford a Medicare Supplement (Medigap) plan, you can seek help through government programs like Medicare Savings Programs (MSPs) (paying premiums/costs) and the Extra Help program (LIS) (lowering drug costs), or consider Medicare Advantage (Part C) plans with built-in out-of-pocket limits, and always contact your State Health Insurance Assistance Program (SHIP) for personalized help, as these options cover costs Original Medicare doesn't, say KFF. 

Is AARP a good supplemental insurance?

AARP Medicare supplement plans are reliable but often come with higher premiums. Benefits are standardized across all carriers—only pricing, service, and extras differ. Alternatives like Mutual of Omaha or Cigna may offer lower long-term costs.

How much does a $100,000 life insurance policy cost a month?

A $100,000 life insurance policy can cost anywhere from under $10 to over $250 per month, depending heavily on the type (term vs. whole), your age, health, gender, and the term length (for term life). For example, a healthy 30-year-old might pay under $10-$12/month for a 20-30 year term, while a 60-year-old could pay $172.50/month for a 20-year term, and whole life policies are significantly more expensive. 

Does everyone have to pay $170 a month for Medicare?

If you don't get premium-free Part A, you pay up to $565 each month. If you don't buy Part A when you're first eligible for Medicare (usually when you turn 65), you might pay a penalty. Most people pay the standard Part B monthly premium amount ($202.90 in 2026).

What is the most popular Medicare Supplement plan?

The most popular Medicare Supplement (Medigap) plan for new enrollees is Plan G, offering comprehensive coverage similar to the old Plan F but without covering the Medicare Part B deductible; however, Plan F remains popular for those already enrolled, while Plan N is also a top choice for lower premiums in exchange for some copays and deductibles, according to Boomer Benefits and KFF.
 

How much should I pay for Medicare supplemental insurance?

Medicare Supplement (Medigap) costs vary widely, typically from $30 to over $600 monthly, depending heavily on your location, age, tobacco use, and chosen plan (like G or N), with popular plans averaging $90-$300/month, but you'll always pay your separate Medicare Part B premium (around $185/month in 2025) in addition to your Medigap premium. 

What is the AARP Medicare Plan F?

AARP Medicare Supplement Plan F (Medigap Plan F) is a comprehensive plan offered through UnitedHealthcare (UHC) that covers most out-of-pocket costs for Original Medicare, like deductibles, copays, and coinsurance for Part A & B, blood, hospice, skilled nursing, and foreign travel emergencies, but it's only available to those eligible for Medicare before January 1, 2020, due to federal law changes, with Plan G being the most comprehensive option for newer enrollees, note this Boomer Benefits article and HealthMarkets.
 

Do retirees really need supplemental insurance?

Debt accumulates because insurance has denied claims or excluded specific services, hospitals, or physicians. It is for these reasons that when you retire and adjust to life under Medicare coverage, you should consider supplemental healthcare coverage.

What does Dave Ramsey say about Medicare?

Dave Ramsey's Medicare advice centers on planning ahead, understanding enrollment periods to avoid penalties, using Health Savings Accounts (HSAs) if possible, and supplementing Original Medicare with Medigap or Medicare Advantage (Part C) to cover gaps like dental, vision, and long-term care, stressing that mistakes can be costly and recommending expert advice for personalized choices. 

Can I drop my medicare advantage plan and go back to original Medicare?

Yes, you can drop your Medicare Advantage (MA) plan and return to Original Medicare, typically during the Annual Enrollment Period (AEP) (Oct 15–Dec 7) or the MA Open Enrollment Period (OEP) (Jan 1–Mar 31), though you may qualify for a Special Enrollment Period (SEP) if you move or have other qualifying life events, but be aware you'll need to get a Part D plan and might want a Medigap plan to help with costs. 

What are the 5 things Medicare doesn't cover?

Medicare generally doesn't cover long-term care, most dental care, routine vision services (like glasses), hearing aids/fittings, and cosmetic surgery, though it does provide strong coverage for hospital and doctor services; you can often get coverage for these gaps through Medicare Advantage (Part C) or supplemental plans. 

What states have the worst Medicare Advantage plans?

States often cited for weaker Medicare Advantage performance include Louisiana, Mississippi, Kentucky, West Virginia, and Florida, due to challenges with care access, provider shortages, and quality issues like higher rates of avoidable hospitalizations and inappropriate medication prescriptions, though specific rankings vary by report and focus (e.g., satisfaction vs. overall system). Other states like New York, California, Texas, and Michigan appear on lists for low member satisfaction with specific plans, not necessarily the whole state's system. 

What is the best health insurance for seniors on Medicare?

There's no single "best" health plan, as it depends on your needs, but top providers for Medicare Advantage (Part C) include Humana, UnitedHealthcare, Aetna, and BCBS, offering diverse benefits like $0 premiums, extra perks, and strong networks, while Medigap (Medicare Supplement) complements Original Medicare by filling gaps, with popular carriers like AARP/UHC, Anthem, and Cigna providing standardized policies (Plans G, F, N), with personalized choices best found via your State SHIP counselor or broker.