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Medicare Supplement Insurance Plan Costs

 

Get help with some of the costs Medicare Parts A and B (Original Medicare) won't pay for, with a Medicare Supplement insurance plan.

UnitedHealthcare offers a variety of Medicare Supplement plans with different costs and levels of coverage. When choosing a Medicare Supplement plan, it's a good idea to think about things like premiums, your out-of-pocket medical expenses and what Original Medicare will and will not cover.

What costs are associated with Medicare and Medicare Supplement plans?

 

Your costs can include:

Monthly Premium

 

 

A monthly premium is the fee you pay to the plan in exchange for coverage. Each Medicare Supplement plan has a different monthly premium.

Deductible

 

 

A deductible is the amount you pay out-of-pocket for covered services before Medicare and/or your Medicare Supplement plan begins to pay. It’s a pre-set, fixed cost. Most Medicare Supplement plans provide coverage for your Part A hospital deductible. In most cases, you’re responsible for your Medicare Part B deductible, which is an annual cost of $198 in 2020.

Copayment (Copay)/Coinsurance

 

 

Copayment (also known as a copay) and coinsurance are a kind of cost sharing. A copay is a set, flat amount paid each time, such as a $20 copay for each in-office doctor visit. Coinsurance requires you to pay a percentage of the Medicare-approved amount each time.

Out-of-Pocket Limit/Maximum

 

 

This is a maximum amount of out-of-pocket costs you pay per calendar year. Since Medicare Parts A and B don’t have an out-of-pocket maximum, your out-of-pocket medical expenses can add up to hundreds or thousands per year. Medicare Supplement plans are designed to help cover some of these costs.

Shop Plans in Your Area

 

See AARP Medicare Supplement Insurance plans where you live - and compare costs and benefits side-by-side.

How do Medicare Supplement plans provide more coverage than Original Medicare alone?

Medicare

 

Pays its share of your health care costs

Part A

  • Inpatient hospital stays
  • Skilled nursing facility
  • Hospice
  • Home health care

Part B

  • Doctor's services
  • Hospital outpatient care
  • Durable medical equipment
  • Home health care
  • Some preventive services

You Pay

 

Out-of-Pocket Costs

  • Deductibles
  • Coinsurance
  • Copayments
  • Monthly premium
  • Annual deductible
  • Coinsurance
  • Copayments

Medigap
 

Helps fill in some of the gaps of Medicare

 

Medicare Supplement plans are designed to help you pay some of the out-of-pocket costs associated with Original Medicare. Benefits and costs vary depending upon the plan selected.

 

How do I decide which Medicare Supplement plan is right for me?

 

Your health needs and budget will help you decide which Medicare Supplement plan might be best for you.

 

 

Prefer to have more coverage and less out-of-pocket expense?

 

If yes, then plans G, C1, or F1 may be right for you. These plans typically have a higher premium and offer the most supplemental coverage, paying up to 100% of your out-of-pocket costs for many Medicare-approved services (depending on the plan).

Prefer to have a lower monthly premium with out-of-pocket expenses based on your need?

 

If yes, then another Medicare Supplement plan may be right for you.

Plans A & B

Medicare Supplement Plan A offers just the Basic Benefits, while Plan B covers Basic Benefits plus a benefit for the Medicare Part A deductible, which could be one of the largest out-of-pocket expenses if you need to spend time in a hospital.

Plans C1, F1 & G

These plans offer the most supplemental coverage, paying many of your out-of-pocket costs for Medicare-approved services. These plans generally have higher monthly premiums but lower out-of-pocket costs.

Plans K & L

Plans K & L are cost sharing plans with lower monthly premiums. They pay a percentage of the coinsurance instead of the full amount, and you are responsible for the rest. Once the out-of-pocket limit is reached, these plans pay 100% of covered services for the rest of the calendar year.

Plan N

Plan N covers Medicare Part B coinsurance, but you pay copayments for covered doctor office and emergency room visits in exchange for a mid-level premium.

1 Only applicants first eligible for Medicare before 2020 may purchase Plans C and F.

Find a Plan

Call Us

Call UnitedHealthcare at FED TFN, TTY 711 (toll-free)

 

Hours: 8 a.m. – 8 p.m.

7 days a week

Call UnitedHealthcare at MEDSUPP TFN, TTY 711 (toll-free)

 

Hours:

7 a.m. to 11 p.m. ET,

Monday – Friday

9 a.m. to 5 p.m. ET, Saturday

Meet with Us

Make an appointment with a licensed insurance agent/producer in your area

Get a Free Decision Guide

 

The Decision Guide provides you with information about AARP Medicare Supplement Plans.

View Important Disclosures Below

 

AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company.

 

UnitedHealthcare Insurance Company 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. 

 

You must be an AARP member to enroll in an AARP Medicare Supplement Plan.

 

Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents). 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.

 

THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER SHOWN/1-844-775-1729.

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