The AARP, formerly known as the American Association of Retired Persons, provides different Medicare Advantage (Part C) plans through UnitedHealthcare, along with Part D and Medicare supplement plans (Medigap).
The AARP is an advocacy organization that provides its members with various benefits, including various types of Medicare Advantage (Part C) health insurance plans.
However, only certain plans are available in specific areas. This is also true for other Medicare plans that the AARP offers, such as Part D drug plans and Medigap.
Generally, Part C plans offer the same benefits as Original Medicare. However, because private insurers manage these plans, their benefits may include additional services that Original Medicare does not cover.
Like other Part C plans, AARP Part C plans have different costs and benefits, depending on the type of plan. The AARP Part C plans that a person may choose from, depending on where they live, are as follows:
Some specific additional benefits these plans may offer include:
Medicare Advantage costs vary depending on the plan. The following are some examples of the costs of different AARP Part C plans in different areas. To see the plans and costs in their area, a person will need to check Medicare.gov.
Medicare Advantage plans generally provide coverage beyond Original Medicare. However, a person’s costs will vary by plan.
HMO Part C plans also require visiting an in-network primary care doctor first and obtaining referrals for specialists. In addition, some Part C plans will also ask for pre-authorization before covering certain services.
UnitedHealthcare boasts one of the largest networks of healthcare providers in the United States and, depending on the plan, may offer a wide range of benefits.
However, to join a Part C plan from AARP, a person must be an AARP member. In 2025, individuals have to pay $15 for the first year and then $20 annually for an AARP membership.
Many AARP Part C plans include prescription drug coverage. However, if a person prefers to enroll in Original Medicare, they can purchase a stand-alone Part D plan to cover prescription drugs.
In 2025, AARP will provide two kinds of prescription drug (Part D) plans through UnitedHealthcare: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. Their benefits vary, and not every location may offer both plans. People can look up the benefits and availability of these plans online.
AARP also provides Medicare supplement insurance plans, known as Medigap, through UnitedHealthcare. These plans can help a person cover medical expenses that Original Medicare does not include. For this reason, a person can only use Medigap with Original Medicare, not with a Medicare Advantage plan.
AARP members can select from eight standardized Medigap plans available via UnitedHealthcare: A, B, C, F, G, K, L, and N. However, some may not be offered in certain states, so a person can also look up what plans are available in their state online.
AARP is an advocacy organization, and members can enroll in a Medicare Advantage plan that UnitedHealthcare manages.
AARP is an advocacy organization, and members can enroll in a Medicare Advantage plan that UnitedHealthcare manages.
A person enrolled in any UnitedHealthcare insurance plan can log in to their account and search for providers who are in their network or accept their plan.
A person enrolled in any UnitedHealthcare insurance plan can log in to their account and search for providers who are in their network or accept their plan.
AARP offers Medicare Advantage or Part C plans through UnitedHealthcare, including Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, and Dual Eligible Special Needs Plans (D-SNPs).
Like many other Part C plans, these plans provide Original Medicare benefits plus extras such as dental, vision, and prescription drugs.
AARP also offers stand-alone Part D plans and Medigap plans. For all plans, availability and costs vary by location, and enrollment requires AARP membership.
Share this article
OUR BRANDS
