AARP Medicare Supplement Plans
cover now a lot of people get confused
because they when they hear about AARP
Medicare supplement plans they think
that AARP is the actual insurance
company and they’re not they’re actually
endorsing United Healthcare so United
Healthcare will be your insurance
company if you choose an AARP Medicare
supplement plan
AARP offers a variety of different
Medicare supplement plans in all 50
states they offer Medicare supplement
plan a plan C Plan F they offer plan in
and they just rolled out Medicare
supplement plan G with really low
premiums in a lot of those states so
let’s talk about what Medicare
supplement plan a covers Medicare
supplement plan a that’s your most basic
Medicare supplement plan you get I’ll
United Healthcare Medicare Supplement Plans
post a chart behind me but it
essentially is going to pay your 20%
that Medicare doesn’t pay so you’ll have
to pay the Medicare Part A deductible
every time you go to the hospital which
this year is around $1,400 you’ll have
to pay the Medicare Part B deductible
which is only $198 and you’ll have to
pay Medicare Part B excess charges if a
provider charges one so plan a is a very
basic plan but at least it does cover
the 20% another plan that United
Healthcare offers in some states is the
Medicare supplement plan B plan B is
also basic but it’s going to be a little
bit stronger in benefits in the Medicare
supplement plan a plan B is going to pay
the Medicare Part A deductible of $1,400
every time you go it’s going to pay the
per day chargers that Part A coinsurance
and it pays the Part B coinsurance the
20% if you have plan B you’re not going
to get the foreign travel benefit you
will have to pay Part B excess charges
and you have to pay that very small
Medicare Part B deductible of $198
another plan is Medicare supplement plan
C a lot of people get Plan C confused
with Medicare Part C Medicare Part C is
actually another way of saying a
Medicare Advantage plan Medicare
supplement plan C
that’s a Medigap a true federally
regulated Medicare supplement plan now
you can only get Plan C if you were
eligible for Medicare before January 1st
2020 if you joined Medicare after
January first two thousand twenty you’re
not eligible to purchase the Plan C so
now let’s talk about what the plan C
covers
Plan C is very comprehensive it is gonna
pay the Part A coinsurance per day
hospital it’s gonna pay your part a
deductible that fourteen or dollars
every time you go it’s gonna pay the
twenty percent that Medicare doesn’t pay
what Medicare supplement plan C does not
pay is the Part B excess charges another
supplement plan that United Healthcare
offers is the Medicare supplement plan F
similar to the plan C you can only get
Medicare supplement plan F if you were
eligible for Medicare before January 1st
2020 again if you’re eligible for
Medicare for Medicare after January 1st
thousand twenty you can no longer
purchase the plan F plan F is a lot like
Plan C except it does pay the Part B
excess charges it also has the foreign
travel benefit as well so with Plan F
you’re gonna it’s gonna pay your per day
stay in the hospital it’s gonna pay your
part a deductible it’s actually does pay
the Part B deductible and it pays for
the Part B coinsurance as well and the
foreign travel benefit my favorite plan
that unites healthcare offers which they
just rolled out recently in the last 12
months with nice low premiums is the
Medicare supplement plan G I call Plan G
the greatest value I like plan G it’s
had great rate stability over the last
five years and I project it’s can have
more rate stability over the next five
years as well you know health care just
rolled out the plan G in the last 12
months and the rates are very
competitive plan G if you are on
Medicare after January 1st 2020 it is
the most comprehensive Medicare
supplement plan someone can purchase it
is very good with plan G it’s gonna pay
your hospital Part A deductible and your
per day per day Part A coinsurance so
you won’t have any hospital bills with
United Healthcare AARP plan G it also
pays the 20% that Medicare doesn’t pay
it has the foreign travel benefit and it
does pay the Part B excess charges the
only thing the Medicare supplement plan
G does not paid that for Medicare
coverage services is the very small
Medicare Part B deductible which is only
$198 so I’m a big fan of
plan G if you’re looking at plan G AARP
and I health care is an a-rated carrier
and they have good prices on the plan G
a very popular plan that people are
AARP Medicare Supplement Plan
looking at is the Medicare supplement
plan in which you know health care
offers in all 50 states Medicare
supplement plan it is a good plan it’s
gonna have a more affordable premium
payment and then maybe the G or the F
for those that are eligible to still get
F but you are gonna have more
out-of-pocket costs with the Medicare
supplement plan in you have for
out-of-pocket costs that you have to pay
you have to pay the Medicare Part B
deductible which is $198 you have up to
a $20 copay every time you go to the
doctor which is primary or specialist
than most any provider a doctor can
charge you up to $20 if you go to the ER
you have a $50 copay if you’re admitted
that $50 is waived and Medicare
supplement plan does not pay the Part B
excess charges so if you’re looking at
the plan in I like that plan however in
our office when we compare United
Healthcare is plan G et9 healthcare is
plan in the price difference is about 15
to 20 dollars per month so once we
explain the differences in coverages
between the G and the end we have 90
percent of the time our clients are
choosing the Medicare supplement plan G
over the end for now
because for $18 a month or so they’d
rather not have to worry about any
co-pays or the Part B excess charges
unite healthcare and AARP supplement
plans are unique they offer two plans
that most carriers do not offer Medicare
supplement plan K and Medicare
supplement plan in Medicare supplement K
and I’m sorry Medicare supplement K and
Medicare supplement plan L these are for
people that might be looking at a
Medicare Advantage plan and they don’t
may not have that want to budget a
higher premium for a supplement plan but
you have to be okay with some higher
Medicare Supplement Plan K
out-of-pocket costs so let’s talk about
Medicare supplement plan K so with plan
K it’s gonna pay the per day fee in the
hospital but it’s only gonna pay 50% of
that part a deductible which is around
$1400 so when you go to the hospital
you’re gonna have to pay around 700
hours every time you go it also was only
gonna pay 50% of the three pints of
blood where the other plans all paid
100% of that it’s gonna pay 50% we have
your skilled there
facility benefit so with Medicare
they’re gonna cover you for the first 20
days those other plans that we talked
about like plan G plan in they’re gonna
cover your nursing home skilled nursing
facility for an additional 80 days
however with Medicare supplement plan k
you’re gonna have a copay it should be
around seventy seventy five dollars per
day that you’re in there because you’re
supp my plan k is going to pay the other
fifty percent and it also pays owned
like I mentioned only 50% of your Part A
deductible and you do have to pay the
Medicare Part B deductible of one ninety
eight plan l is very similar plan k but
everything that I mentioned where it
pays fifty percent it’s gonna pay
seventy five percent so I pay seventy
five percent of your part a deductible
75 percent of the skilled nursing care
here’s the deal Medicare supplement plan
K and L they should be more affordable
because they have more cost-sharing
however because of nobody really
purchases those plans they have a
smaller risk pool so really if you look
Medicare supplement plan in and plan G
price wise is almost just as competitive
as KL and you’re eating a lot more
benefits United Healthcare AARP is a
great company.