AARP Medicare Supplement Plans | UnitedHealth
AARP has a huge brand name, but they do not actually carry the insurance or pay the claims. They are partnered with UnitedHealthCare and receive a commission for using their name. What the name does bring is a very high standard of values. Please call us for pricing on a AARP Medicare Supplement Plans 920-545-4884, remember there is never a fee for our services. Continue reading for more information on a Medicare Supplement plan from United Health.
AARP’s offering for Medicare Supplement Insurance (Medigap) is provided by UnitedHealthCare, one of the largest health insurers in the United States. As a subsidiary of UnitedHealth Group, UnitedHealthCare offers a complete selection of AARP Medicare Plans and health benefit programs for individuals, employers, members of the military, and retirees. The company also provides Medicare Supplement Insurance (Medigap) to Medicare and Medicaid beneficiaries.
Compare Medicare Supplement Rates
UnitedHealthCare has enjoyed an “A Excellent” rating from A.M. Best Rating Services for many years and has been listed in the Dow Jones Sustainability World Index and Dow Jones North America Index on an annual basis since 1999. Saying that this insurance giant is financially stable is an understatement.
The company is continually able to deliver competitive rates to its policyholders through the use of health care networks with member health care professionals spanning the United States. Currently the company boasts having more than 1 million physicians and other health care professionals and about 6,000 hospitals and other medical facilities in its network. These Networks are only for their Medicare Advantage Plans. There are NO networks for a Medicare Supplement Plan.
AARP Medicare Supplement Plans | Benefits
When shopping around for insurance coverage, you need to consider what each provider is bringing to the table. Summarized here are a number of the reasons you may want to consider getting your Medigap through UnititedHealthCare.
- Avoid Surprise Expenses. It’s very common for those moving from a private health care plan to Medicare to be surprised by unexpected out-of-pocket expenses. Original Medicare only covers so much, and you will need to pay deductibles, copays, or coinsurance for many services. Extending your insurance with a Medicare supplement plan from UnitedHealthCare covers these gaps in coverage by reducing or eliminating out-of-pocket expenses.
- Any Doctor, Anywhere. With a supplemental insurance plan, you are covered throughout the United States. Any doctor who accepts Medicare will also accept your supplemental coverage. And you’ll never need referrals from you primary care physician prior to seeing a specialist. For this reason, many customers prefer Medigap with UnitedHealthCare over a Medicare Advantage Plan (Part C), which often restricts consumers to specific doctors in their network. Medigap even features a plan that allows you to take your aarp medicare plan coverage overseas, a popular option for frequent cruisers and world travellers alike.
- Upfront Plan Comparison. Unlike a lot of other Medicare providers, aarp medicare plans makes it very easy to view and compare all of the different plans they offer straight from their website. Just provide some basic information, such as zip code and date of birth, and you’ll instantly be provided a list of all of the Medicare supplement plans available to you.
Quick Note: on doing your own aarp medicare supplement quote
Most people who are new to Medicare get very confused when running their own AARP Medicare Supplement Plan quote. For a FREE AARP Medicare Supplement Plans analysis and rate explanation you are better served by calling 920-545-4884.
The list is very thorough, including deductibles and estimated monthly premiums, as well as a very straight forward indication of exactly what is covered. In the complicated and sometimes intimidating world of health insurance, UnitedHealthCare is a breath of fresh air that allows you to take your time, explore your options, and consider your budget with ease.
Helpful Plan Selector. With so many options to choose from, finding the right supplement plan for you can be a hassle. While it’s helpful to have a live agent, like Medicare Solutions Team, to speak through the process with you, United HealthCare also includes an online questionnaire called the Plan Selector so that you can take the first steps on your own.
Spend five minutes answering a series of simple questions about your healthcare needs (such as how much you travel, what prescriptions you’re on, and doctor preferences), and the Plan Selector will recommend a specific plan customized to meet your requirements.
The effort AARP Medicare Supplement Plans makes to help clients become self-educated about health care is a testament to their devotion to providing five star customer service.
UnitedHealthCare Medicare Supplement Insurance in Wisconsin
When it comes to typical Medicare supplement plans, Wisconsin, Massachusetts, and Minnesota do not offer the typical plans available in the rest of the country. Wisconsin, in particular, offers two varieties of coverage, a basic plan and a cost-sharing plan.
AARP Medicare Supplement | Basic Plan
- 100% Basic Benefits including
- Part A Coinsurance
- Part B Coinsurance
- First 3 pints of blood each year
- Hospice Part A Coinsurance
- 100% Skilled nursing facility coinsurance
- Home Health Care that includes 40 visits over and above those paid my Medicare
- Preventative Care not covered by traditional Medicare – the Plan pays the first $120
There are four riders available with AARP Medicare Supplement Plans (for additional charge) that help to plug the holes in traditional Medicare Part A and Part B coverage:
For an AARP Medicare Supplement Plan F you would choose the Base + Riders 1, 3 and 4.
For an AARP Medicare Supplement Plan G you would choose the Base + Riders 1 and 4.
100% Part A Deductible
100% Part B Excess Coverage
80% Foreign Travel Emergency Care (after a deductible of $250 per yr)
50 % Part A Deductible
100% Part B Excess Coverage
80% Foreign Travel
Emergency Care (after a deductible of $250 per year)
100% Part B Deductible
Additional Home Health Care of 365 visits including those paid by Medicare
50% Part A Deductible
100% Part B Excess Coverage
80% Foreign Travel Emergency
Care after a deductible of $250 per year
Consider Supplemental Medicare Insurance from aarp medicare plans
While you may be tempted to risk sticking with Original Medicare alone (Parts A and B) in order to save on monthly premiums, you could end up costing yourself thousands of dollars in the long run. Let’s take a look at some of the gaps in traditional Medicare and what they might cost you if things don’t go as expected.
Part A - Surprise Expenses
Part A Deductible. There is no premium for Medicare Part A, which covers inpatient care (hospitals, nursing facilities, etc.). However, Part A comes with a hefty deductible of $1,316 that resets 60 days after your first inpatient claim in the benefit period. This means that before Medicare will pay a cent for a hospital stay, you first have to cough up those 1,316 dollars. If you require multiple hospital visits, you’ll have to meet this deductible again every time the services are more than two months apart.
Part A Coinsurance. If you need long term care, such as in a skilled nursing facility, you’ll need to pay out-of-pocket for each day after the 60th. Days 61 through 90 cost you $329 each (and it goes up even more after day 90!). This means that ten week stay will run you upwards of $3,000.
Part B - Surprise Expenses
Foreign Travel Emergencies. While your Medicare coverage extends to all 50 states and U.S. territories, once you are in a foreign country, you will be without health insurance. You’ll be required to pay 100% of all medical expenses.
Part B Excess Charges. Even doctors who accept Medicare are permitted to charge up to 15% more than the assigned fee. If your doctor opts to charge extra, Medicare won’t pick up the tab for these Part B excess charges. They’ll have to come out of your own pocket.
Avoid These Costs With a Wisconsin Medicare Supplement Plan from AARP
The good news is that you can avoid these unexpected out-of-pocket charges with a UnitedHealthCare Medicare supplement plan through AARP.
With the right selection of riders, you can bring your part A deductible to zero, pay nothing extra for skilled nursing facilities or Part B excess charges, and take your health coverage with you around the globe.
AARP Medicare Supplement Plans
AARP Medicare Supplements do not allow outside quote engines to show their pricing. To compare rates of other companies, enter your zip code below. For an aarp medicare supplement quote call us 920-545-4884