Coverage Options
Get to know your coverage choices
Let's review the following: Original Medicare (Parts A & B), Medicare prescription drug coverage (Part D), Medicare Advantage (Part C) and Medicare supplement insurance (Medigap). ![]() ![]() Original Medicare is provided by the federal government. Part A helps pay for hospital stays and inpatient care, while Part B helps pay for doctor visits and outpatient care. Everyone who enrolls in Medicare gets Part A and Part B first.
![]() Medicare Part D is prescription drug coverage. Part D coverage can be obtained from private insurance companies in one of two ways: (1) as a stand-alone Part D plan, (2) as part of a Medicare Advantage plan that includes prescription drug coverage. With either choice, the different drugs covered will vary from plan to plan.![]() Medicare Advantage, or Part C is an alternative way to get Part A and Part B coverage benefits. Medicare Advantage plans are "all in one" plans that are offered by private insurance companies. With Medicare Advantage plans, you still enroll in Part A and Part B through the federal government, but then you will enroll in a Part C plan with a private insurance company. Once you do that, you will get your Part A and Part B benefits through your Medicare Advantage plan. Most Medicare Advantage plans also include Part D prescription drug coverage, as well as other benefits such dental, vision, hearing and fitness. There are different types of Medicare Advantage plans, and what additional benefits are provided vary from plan to plan. ![]() Medicare Supplement Insurance Plan, also known as Medigap, helps pay some of the out-of-pocket costs not paid by Original Medicare (Parts A & B). There are 10 plans, organized by letters (ex. Plan G) and standardized by the federal government.* However, it’s important to note that Medigap plans are only available to purchase directly from private insurance companies. Each Medigap plan offers the same basic benefits no matter which insurance company sells it, but costs may vary. *Note: In Massachusetts, Minnesota and Wisconsin, there are different plan options available. Need Help Finding a Plan?
Answer a few simple questions and get a personalized list of plans, ranked by what's important to you. ![]() Medicare and Medigap coverage combinations
Original Medicare, Part D and Medigap can work together. Medicare Advantage and Part D can also work together in certain situations. Medicare Advantage and Medigap do not work together.
In total, there are seven different Medicare coverage combinations. Original Medicare Combinations
Original Medicare (Part A and/or Part B) alone ![]() Original Medicare (Part A and/or Part B) ![]() Original Medicare (Part A and Part B) ![]() Original Medicare (Part A and Part B) ![]() Medicare Advantage Combinations
Medicare Advantage plan (Part C) with included prescription drug coverage (Part D) ![]() Medicare Advantage plan (Part C) without prescription drug coverage (Part D) ![]() Medicare Advantage Private Fee-for-Service plan without drug coverage (Part C) OR a Medicare Savings Account (MSA) plan PLUS a standalone prescription drug plan (Part D) ![]() Choosing the Right Medicare Plan![]() See Medicare coverage combination examples
Four things to remember when choosing Medicare and Medigap coverage
Find a PlanCall UsMeet with a Sales AgentMake an appointment with a licensed insurance agent/producer in your area
Scroll for Important Disclosures UnitedHealthcare pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
AARP encourages you to consider your needs when selecting products and does not make product recommendations for individuals.
Please note that each insurer has sole financial responsibility for its products.
AARP® Medicare Supplement Insurance Plans AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare. Insured by UnitedHealthcare Insurance Company, Hartford, CT or UnitedHealthcare Insurance Company of America, Schaumburg, IL (for ND residents) or UnitedHealthcare Insurance Company of New York, Islandia, NY (for NY residents). Each insurer has sole financial responsibility for its products. Policy form No. GRP 79171 GPS-1 (G-36000-4).
In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
You must be an AARP member to enroll in an AARP Medicare Supplement Plan.
Medicare Advantage plans and Medicare Prescription Drug plans
This information is not a complete description of benefits. Contact the plan for more information. WB27377ST |