Medicare Supplements review · Updated October 2026

AARP Medicare Supplement (UnitedHealthcare) Review (2026)

Medigap plans for AARP members, insured by UnitedHealthcare.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

The broadest lineup of plan letters, available in every state. On our Medicare Supplement comparison, it's labeled Widest availability.

Key facts

PlansA, B, C, F, G, K, L, N
AvailabilityAll 50 states
NotesAARP membership required

What stands out

  • Available in all 50 states
  • Offers Plans A, B, C, F, G, K, L and N
  • AARP membership required

Pros and cons

Pros

  • Widest plan selection
  • Nationwide availability

Cons

  • Price increases have run higher than average

How AARP Medicare Supplement (UnitedHealthcare) compares

Side-by-side comparison

AARP Medicare Supplement (UnitedHealthcare)
State Farm
HealthSpring (formerly Cigna)
PlansA, B, C, F, G, K, L, NA, C, D, F, G, NA, F, G, N
AvailabilityAll 50 statesMost statesVaries by state
NotesAARP membership requiredSold through agentsHousehold and online discounts
Visit siteVisit siteVisit site

Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever Medicare Supplement provider you choose, compare these points:

  • Standardized benefits. A Plan G from one insurer has the same benefits as a Plan G from another in most states.
  • How premiums are set. Community-rated, issue-age and attained-age pricing change how your premium rises over time.
  • Your guaranteed window. Your Medigap open enrollment period starts when you are 65 and enrolled in Part B. Health questions usually don't apply during it.
  • Part B excess charges. Plan G covers them; Plan N does not. This matters if your doctors don't accept Medicare assignment.

The Top 10 Experts is not connected with or endorsed by the U.S. government or the federal Medicare program. Not all plans are available in all areas.

See Medicare Supplement providers that serve your ZIP code.

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