AARP/UnitedHealthcare Medicare Supplement

Plan G — full first-dollar except Part B deductible

Plan G covers Part A and Part B coinsurance, Part A deductible, hospice, skilled nursing facility coinsurance, foreign travel emergency, and Part B excess charges. The only routine cost left to the member is the annual Part B deductible.

• Part A & B coinsurance, hospital costs up to 365 additional days
• Skilled nursing facility coinsurance
• Foreign travel emergency to plan limits
• Part B excess charges (the gap between Medicare-approved and what providers can charge)

Plan N — lower premium, small copays

Plan N has a lower premium than Plan G, in exchange for office-visit copays (up to $20) and ER copays (up to $50, waived if admitted). Plan N does NOT cover Part B excess charges.

• Office visit copay up to $20; ER copay up to $50 (waived if admitted)
• Does not cover Part B excess charges
• Best for low utilizers and those whose providers do not bill excess

High-Deductible Plan G

High-deductible Plan G has a much lower monthly premium but you pay all Medigap-covered costs until you meet the annual deductible (~$2,800 in 2026 example). Best for healthy enrollees who can self-fund the deductible and want catastrophic-style coverage.

• Premium typically 50–70% lower than standard Plan G
• Annual deductible must be met before benefits begin
• Same standardized benefits as Plan G after deductible

What's NOT included

Medigap is a hospital and medical supplement only. Drug coverage requires a separate Part D plan. Vision, dental, hearing, long-term care, and over-the-counter items are not covered—pair with separate coverage if needed.

• Part D drug coverage required separately
• No dental, vision, hearing, or long-term care
• Cannot be combined with a Medicare Advantage plan

Reader feedback is summarized below from independent forum threads, support tickets, and editor outreach. Patterns appear with at least three independent reports before being included.

• Members report straightforward provider acceptance—no need to call ahead in most cases.
• Annual rate increases are noticeable; many members shop alternatives at age 70 and again at 75.
• Customer service waits are typically 5–15 minutes during standard hours; SHIP counselors recommend calling early in the day.
• Household discount is meaningful (5–7%) when both spouses enroll, but applies only while both members maintain coverage.

We evaluated AARP/UnitedHealthcare Medicare Supplement plans (Plan G, Plan N, and high-deductible Plan G) using publicly available rate filings, sample certificates of coverage, and SHIP counselor input across multiple ZIP codes in 2025–2026.

Premium ranges blend carrier-published rates with quotes Insurhi collected during routine sampling. Individual premiums vary by ZIP, age, gender (in some states), tobacco use, and household discount eligibility.

Claim turnaround figures reflect benchmark estimates from carrier disclosures and state complaint summaries. Medigap claims are typically processed quickly because they piggyback on Medicare claim adjudication.

We review this product page at least every 6 months and update pricing references when carrier rate filings change. State rules affecting switch rights are checked annually.

W5 flagship guide links

Choosing between Advantage and Medigap affects this product—compare paths in /guides/medicare-advantage-vs-medigap-buying-guide. Pair Medigap with Part D using /guides/medicare-part-d-formulary-guide. Plan letter details: /guides/medicare-medigap-plan-letters-deep-guide-2026.