What is the most popular AARP Medicare Supplement plan?

The AARP Medicare Supplement Plan G (insured by UnitedHealthcare) is the most popular choice for new Medicare enrollees. It provides comprehensive coverage and is available to all new beneficiaries.

What is the highest rated Medicare Supplement plan?

There isn't a single "highest rated" plan, but Plan G is the most popular and comprehensive for new enrollees, covering nearly everything except the Part B deductible, while Plan F (only for those eligible before 2020) is the most comprehensive overall; the best company for Plan G is often AARP/UnitedHealthcare, with others like Humana and BCBS also highly rated for different strengths. Your "best" plan depends on your budget, location, and need for coverage like excess charges.
 

What Medicare Supplement plan does AARP recommend?

AARP endorses AARP Medicare Supplement Insurance Plans (Medigap) that are exclusively offered and insured by UnitedHealthcare (UHC), providing various standardized plans (like G, N, etc.) with different levels of coverage and wellness perks, though you pay AARP for the name and UHC for the service. These plans help pay costs Original Medicare doesn't cover, with popular options including Plans G and N for comprehensive coverage at varying costs, and UHC offers extras like dental, vision, and hearing discounts. 

What is the difference between AARP Plan G and Plan F?

Comparing Costs: Plan F vs. Plan G. While Plan F offers the most comprehensive coverage, Plan G typically comes with lower monthly premiums, making it a popular alternative for those who want to save on healthcare expenses while maintaining strong coverage.

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. 

Top 5 Medicare Advantage Plans for 2026 | Best Coverage & Benefits Explained | CareWise

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 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 are the disadvantages of Plan F?

The drawback to Plan F is its high upfront cost compared to other available Medicare Supplement plans. Monthly premiums range from about $100 to more than $400, depending on the area where you live. In less expensive regions, you may find smaller differences between monthly premiums.

Is UnitedHealthcare a good Medicare Supplement plan?

UnitedHealthcare (UHC) Medicare Supplement (Medigap) plans receive generally positive reviews for reliability, wide plan selection (especially Plan G), and extra perks like Renew Active fitness and dental/vision discounts, making them a top choice for many. Users praise hassle-free claims and doctor acceptance, but some reports note potential issues with overall company customer service ratings on BBB/Trustpilot and high claim denial rates in their larger ACA plans, though this may not directly reflect Medigap. UHC's community-rated pricing can also benefit older enrollees by preventing age-based premium hikes. 

Should I switch from Plan F to G?

Key Takeaways. Plan G offers nearly identical coverage to Plan F, except it doesn't pay the Medicare Part B deductible. Plan F is only available to people who became eligible for Medicare before January 1, 2020. Plan G may save you money overall, especially if you don't mind paying a small deductible each year.

Does AARP recommend UnitedHealthcare?

Trusted reputation

AARP Medicare Supplement plans are insured by UnitedHealthcare Insurance Company and endorsed by AARP. AARP Medicare Supplement plans are the only Medicare supplement plans to carry the AARP name.

What is not covered under Plan G?

Medicare Plan G doesn't cover prescription drugs (requiring a separate Part D plan), routine dental, vision (like glasses/contacts), hearing aids, long-term care, private-duty nursing, or the annual Medicare Part B deductible, but it covers nearly everything else Original Medicare doesn't pay after you meet that deductible, making it very comprehensive.
 

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 are the top three Medicare plans?

• Best for size of network: UnitedHealthcare Medicare Advantage.
• Best for ratings: Aetna Medicare Advantage.
• Best for low-cost plan availability: HealthSpring (formerly Cigna) Medicare Advantage.
• Best for Part B Giveback: Humana Medicare Advantage.
• Best startup: Devoted Health Medicare Advantage.

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 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 are the top 5 Medicare Supplement plans?

The top Medicare Supplement (Medigap) plans for new enrollees are typically Plan G, offering comprehensive coverage with only the Part B deductible left for you, and Plan N, which provides similar coverage but with smaller copays and no Part B excess charges, resulting in lower premiums. Other popular plans include High-Deductible Plan G, Plan F (for those eligible before 2020), and basic Plan A, with top insurers being AARP/UnitedHealthcare, Blue Cross Blue Shield, Humana, Cigna, and Mutual of Omaha, known for customer service, nationwide reach, or digital tools.
 

What is the disadvantage of UnitedHealthcare?

UnitedHealthcare's disadvantages often center on high claim denial rates, extensive prior authorization requirements leading to treatment delays, potential network restrictions (especially with HMOs), and variations in plan quality/benefits by location, with some users experiencing difficulty getting necessary care approved despite paying premiums. Other concerns include under-reimbursement of independent doctors, potentially impacting access, and lower coverage for specific needs like hearing aids in some Advantage plans. 

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. 

Why are they getting rid of plan F?

Why is Medicare Plan F no longer an option for most people? In short, Medicare Plan F is being phased out because of the first dollar coverage that made it so popular. As federal lawmakers saw it, that kind of coverage has the potential to be overused at the expense of the Medicare program.

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. 

Who has the best plan G?

Best Medicare Plan G Providers of 2026

• Best Overall: AARP from UnitedHealthcare.
• Lowest Cost Plan G: Anthem.
• Best High-Deductible Plan G: Aetna.
• Best for Customer Satisfaction: State Farm.

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. 

Should I get Plan N or Plan G?

Neither Plan G nor Plan N is universally "better"; the best choice depends on your health and budget, with Plan G offering comprehensive coverage (fewer out-of-pocket costs) for higher premiums, while Plan N has lower premiums but requires copays for doctor/ER visits and doesn't cover Part B excess charges, making it cheaper for healthier individuals who want cost predictability but don't mind small costs.