What is the monthly premium for AARP Medicare Supplement?

AARP Medicare Supplement premiums vary significantly by plan, age, and location, but typically range from around $40 to over $200 monthly, with popular plans like G and N falling in the $160-$200+ range for many, while higher-deductible options (like High Deductible G) can be lower (around $40-$70) and older plans (like F) might be more expensive, with rates increasing as you age. You need an AARP membership (around $16/year) to get these plans, and UnitedHealthcare is the primary provider.

What is the average cost of AARP Medicare supplement insurance?

AARP Medicare Supplement costs vary significantly by plan, age, and location, but generally range from about $45 (High-Deductible G) to over $200+ monthly for popular plans like G and F, with Plan G often around $177-$200+ for newer enrollees and Plan F rates increasing for older ages, all on top of the Part B premium. Plan G is popular for its high coverage, while Plan N offers lower premiums for slightly more out-of-pocket costs. 

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 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.

How much should I expect to 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. 

How Your Income Affects Your Medicare Premium

What is 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.
 

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. 

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 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 average cost of a Medicare Part D plan?

The premium is the monthly cost of maintaining your prescription drug policy. Premiums for Medicare Part D differ from plan to plan. But the average estimated premium in 2026 is $34.50.

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. 

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.

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). 

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.

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).

Do medicare supplement premiums increase with age?

Yes, Medicare Supplement (Medigap) premiums can increase with age, but it depends on the plan's rating system: Attained-Age Rated plans increase as you get older, while Issue-Age Rated and Community-Rated plans do not increase due to age, though all can rise due to inflation and other factors. Attained-age plans start cheaper but often become most expensive; issue-age plans lock in your starting age; community-rated plans charge everyone the same, notes Medicare Interactive. 

What is the best supplemental Medicare plan?

There's no single "best" Medicare Supplement (Medigap) plan, as it depends on your needs, but Plan G is the most comprehensive for most new enrollees (eligible after 2020) after the popular Plan F was phased out, offering extensive coverage for just the Part B deductible. Top companies for Medigap plans include UnitedHealthcare/AARP, Wellabe, Anthem, and Mutual of Omaha, known for value, customer satisfaction, or extra benefits, but always compare personalized quotes for the most suitable plan and insurer. 

What is the AARP controversy?

AARP controversies center on its lucrative partnerships with insurance giant UnitedHealthcare (UHC), leading to accusations of conflicts of interest and prioritizing profits over member benefits, with critics alleging kickbacks (royalties) for steering seniors to potentially inferior Medicare plans, despite AARP arguing these deals improve service and generate revenue for advocacy, alongside concerns about data sharing and lobbying on policy. Other issues include criticism for supporting flawed Medicare legislation and questions about its non-profit status versus its significant commercial earnings. 

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. 

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.

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. 

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. 

Are Medicare premiums going up in 2025 for seniors?

The standard monthly premium for Medicare Part B will be $202.90 a month for 2026, an increase of $17.90 from $185.00 in 2025.

What is the disadvantage of Plan G?

The main disadvantages of Medicare Plan G are that it requires you to pay the annual Medicare Part B deductible out-of-pocket, doesn't cover prescription drugs (requiring a separate Part D plan), and excludes dental, vision, and hearing care, often leading to higher premiums than less comprehensive plans. It also means managing two separate policies (Medigap + Part D) and can have enrollment restrictions if you're outside guaranteed periods, notes Omaha Insurance Solutions.
 

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.