AARP Medicare

AARP Medicare

AARP (formerly known as the American Association of Retired Persons) is a non-government affiliated interest group founded in 1958. The organization advocates on the behalf of its members, who are individuals 50 years or older, and is one of the most powerful lobbying groups in the United States. AARP currently has over 37 million members. AARP Services Inc., an affiliated AARP for-profit organization, offers a variety of insurance products including Medicare supplemental health insurance (Medigap), discounts on prescriptions, long-term care insurance, and life insurance, among others. AARP Services Inc. is not an insurance company, instead it licenses its name to its insurance partners such as UnitedHealth Group and Aetna for insurance marketing.

Medicare Insurance Products from AARP

AARP offers three types of Medicare plans from UnitedHealthcare or one of its affiliates1:

  • AARP® MedicareComplete® Medicare Advantage

    All plans include urgent care, worldwide emergency coverage, and a 24-hr nurse hotline. Most plans include prescription drug coverage. Most plans have no additional monthly premium beyond what you already pay for Part B. You can purchase HMO (Health Maintenance Organization), POS (Point-of-Service), or PPO (Preferred Provider Organization) AARP Medicare Advantage plans.

  • Medicare Supplement (Medigap)

    Plan availability and rates vary by your state/area. Your Medigap plan is accepted by any provider that accepts Medicare patients, and your insurer cannot cancel your coverage or increase your premium based on your health status or how many claims you file. You can also combine your Medigap plan with a Medicare prescription drug plan2.

  • Medicare Prescription Drug Plans/Part D Plans

    All plans include thousands of prescription drugs in their formularies but they offer slightly different coverage and drug lists. These plans have a pharmacy network with over 65,000 locations as well as a Preferred Mail Service Pharmacy. There are three categories of Medicare prescription drug plans that are available for purchase this year 3:

    • 2014 AARP MedicareRx Saver Plus (PDP): $310 annual deductible, includes most generic drugs covered by Medicare Part D and many commonly used brand name drugs. If you enter the coverage gap for any drug tier you pay no more than 72% of generic drug total cost or 47.5% of brand name drug total cost.
    • 2014 AARP MedicareRx Preferred (PDP): $0 annual deductible, includes almost all generic drugs covered by Medicare Part D and most commonly used brand name drugs. If you enter the coverage gap for any drug tier you pay no more than 72% of generic drug total cost or 47.5% of brand name drug total cost. The Preferred Mail Service Pharmacy and Preferred Retail Pharmacy Network is not available for this plan in Guam, American Samoa, Northern Mariana Islands, or US Virgin Islands.
    • 2014 AARP MedicareRx Enhanced (PDP): $0 annual deductible, includes almost 94% of drugs covered by Medicare Part D. You pay no more than 72% of generic drug total cost or 47.5% of brand name drug total cost for any drug tier during the coverage gap. This plan covers all tier 1 and 2 drugs as well as some tier 3, 4, and 5 drugs during the coverage gap. AARP notes that this plan offers the best AARP MedicareRx coverage with a more extensive drug list.

Use our Medicare and Medigap plan comparison tools to compare AARP Medicare products with other similar offerings in your area. provides information on insurance products. If you choose to obtain a quote or apply for an insurance plan, you may be transferred to a partner website to complete your request. Always review the privacy and terms of use of the partner website.

HealthPocket is a free information source designed to help consumers find medical coverage. Whether you are looking for Medicare, or an individual and family health insurance plan, we will help you find the right healthcare option and save on your out of pocket healthcare costs. We receive our data from government, non-profit and private sources, and you should confirm key provisions of your coverage with your selected health plan. If you select a plan presented on our site, you will be directed (via a click or a call) to one of our partners who can help you with your application. Our website is not a health insurance agency and not affiliated with and does not represent or endorse any health plan. HealthPocket, Inc. is part of the Benefytt Technologies, Inc. family of companies.