Aarp Unitedhealthcare
AARP/UnitedHealthcare is the largest Medigap writer in the country — the AARP brand rides on UHC underwriting, and the household discount plus nationwide service footprint make it the default first quote for most shoppers.
| Fact | AARP / UnitedHealthcare |
|---|---|
| Medigap plans offered | A, B, G, K, L, N (varies by state) |
| AM Best rating | A (Excellent) |
| Pricing model | Attained age in most states |
| Household discount | Yes (typically ~5–12%) where filed |
| Signature feature | Largest block of Medigap business; Renew Rewards program |
Strengths
Scale: UHC processes Medigap claims for the largest membership in the market, which means stable rate filings and few surprises. The AARP membership (~$16/year) unlocks eligibility, and plans are portable across state moves within their national footprint (see moving rules).
Watch-outs
Scale does not mean cheapest — UHC Plan G frequently quotes 15–30% above regional carriers in the same ZIP (compare on the local pricing file). Attained-age pricing also means bigger long-run creep; check the rate history patterns before locking in.
FAQ
Do I have to join AARP to buy the plan?
Yes — an AARP membership is required, and it stays current while the policy is active.
Is AARP/UHC the same as UHC Medicare Advantage?
Different products: AARP/UHC Medigap supplements Original Medicare; UHC Medicare Advantage replaces it.
Related reading: All carriers · Plan G file · Pricing models