AARP Medicare Advantage Reviews

Backed by UnitedHealthcare, AARP Medicare Advantage plans offer low-cost options and comprehensive coverage, with a focus on preventive care and customer support.
By . Last update: June 11, 2024

Many of the plans featured here are available through our partners who may compensate us for enrollments. This influences which Medicare plans we write about, but it does not influence our evaluations. Our opinions are our own. Member opinions and comments are their own and do not express the views of MedicareWire. How we make money.

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AARP/UHC Medicare Advantage Reviews
The AARP/UHC logo is a registered trademark of AARP® Medicare Advantage from UnitedHealthcare®.

AARP Medicare Advantage plans, offered through a partnership with the UnitedHealthcare (UHC) insurance company, provide a range of options designed to meet the diverse needs of people on Medicare. These plans typically include additional benefits not available in Original Medicare, such as vision, dental, and hearing coverage, as well as fitness programs and wellness resources.[1]

AARP Medicare Advantage plans emphasize preventive care, chronic disease management, care coordination and access to a broad network of healthcare providers. Many plans offer resources like nurse hotlines, wellness coaching, and care management programs to support members in maintaining their health.

AARP/UHC plans are known for their robust customer service and support, providing members with the information and assistance they need to navigate their healthcare options.

Table of Contents

Member Reviews for AARP/UHC

The following AARP/UHC reviews have been left by our members.

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PROS

  • Preventive Care: Emphasis on wellness programs and chronic disease management.
  • Comprehensive Coverage: Includes vision, dental, and hearing benefits.
  • Large Network: Supported by the UnitedHealthcare insurance company, offering the largest Medicare Advantage network.
  • Low-Cost Pricing Options: 70% of plans have a $0 premium.
  • Good CMS Ratings: 70% of plans are rated 4 stars or higher by the Centers for Medicare & Medicaid Services.
  • Strong Customer Support: Dedicated services for member assistance and care coordination.

CONS

  • Average Member Experience: AARP plans score only about average in member experience.
  • Provider Network Restrictions: Size of provider network depends on your specific location.
  • Location Coverage Variability: Benefits and availability can vary significantly by location.
  • Prior Authorization: UnitedHealthcare often requires prior authorization for many medical services.
FEATURED PARTNER OFFER [i]
Compare Top Medicare Advantage Plans from AARP/UHC
AARP/UHC Medicare Advantage Reviews
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  • Additional benefits may include dental, vision, hearing, lifestyle and transportation
  • Call to speak to a licensed insurance agent. TTY 711, Mon-Fri 8am-9pm, Sat 9pm-8pm EST
On Medicare Enrollment's Website

How Do AARP/UHC Medicare Advantage Plans Work?

AARP/UHC Medicare Advantage plan members have all their hospital (Medicare Part A) and medical (Medicare Part B) benefits included in their plan. This includes everything from preventive care and vaccinations to visits with doctors and specialists, as well as hospital stays, skilled nursing services, and hospice care.

All AARP/UHC Medicare Advantage plans include coverage for:

  • Inpatient hospital admissions.
  • Doctor and specialist care.
  • Preventive care, screenings, and vaccinations.
  • Diagnostic services, lab work, X-rays and other imaging.
  • Outpatient services.
  • Ambulance transportation for emergencies.
  • Durable medical supplies and equipment.

Medicare regulations require that all private health plans offer at least the same coverage and benefits as Original Medicare. However, AARP/UHC sets its own out-of-pocket costs.

Some AARP/UHC plans offer additional benefits like routine dental, vision, hearing, and wellness programs, which are not usually covered by Original Medicare.

By signing up for a AARP/UHC Medicare Advantage plan, many beneficiaries find it convenient to have all their healthcare services in one plan, which often includes lower out-of-pocket expenses and additional perks that fit their health and lifestyle needs.

However, it's essential to remember that lower costs are not assured. The costs largely hinge on the chosen plan and your healthcare usage. Additionally, depending on the AARP/UHC plan selected, there may be restrictions like needing referrals and prior authorization, which are not requirements under Original Medicare.

Extra Benefits from AARP/UHC

AARP Medicare Advantage plan enrollees can take advantage of a variety of additional benefits beyond traditional Medicare coverage. Common benefits offered to Medicare beneficiaries through AARP-branded plans include:

  • Prescription Drug Plan: Most plans include Part D plan coverage for access to prescription medications.
  • Dental, Vision, and Hearing Coverage: Allowances for routine dental care, cleanings, eye exams, glasses, hearing exams, hearing aids, and other related services.
  • Fitness Programs: Access to fitness memberships and programs like Renew Active.
  • Over-the-Counter Allowance: Monthly or quarterly allowances for over-the-counter health products.
  • Meal Delivery Services: Home-delivered meals following a hospital stay.
  • Transportation Services: Rides to and from medical appointments.
  • Part B Premium Reduction: Some plans offer a reduction in the Medicare Part B premium.
  • Telehealth Services: Access to virtual doctor visits and telehealth consultations

What Types of Plans Does AARP/UHC Offer?

Not all AARP/UHC plans are the same. And, AARP/UHC may not offer all plan types where you live, so it pays to explore using our Medicare Advantage Plan Finder tool. Here are the plan types AARP/UHC offers:[6]

Medicare preferred provider organization (PPO) plans provide the most freedom, allowing you to see any provider that accepts the insurance. With a PPO plan, you generally do not need to choose a primary care doctor, and you don’t need referrals to see specialists. And you can seek out-of-network care, although it may cost more than seeing an in-network doctor.

HMO point-of-service plans are HMO plans that allow members to get some out-of-network services, but you’ll pay more for those services.

Health maintenance organization (HMO) plans require that you use a specific network of doctors and hospitals. Also, with a AARP/UHC HMO plan you may need a referral from your primary care doctor in order to see a specialist. Out-of-network benefits are usually very limited. However, in an emergency you are not limited to care from your local hospital of emergency room.

NOTE: AARP/UHC may also offer Medicare Advantage Special Needs Plans (SNPs). Due to the highly specialized nature of D-SNP (dual eligible), C-SNP (chronic condition), and I-SNP (institutional) insurance plans, we review them separately.

How Much Do AARP/UHC Plans Cost?

The cost of a AARP/UHC plan will vary depending on the specific plan chosen, your location, usage of healthcare services, and the plan's out-of-pocket costs. We detail out-of-pocket costs on all AARP/UHC Medicare Advantage Plans in our plan finder.

Typically, AARP/UHC charges a monthly premium, which can vary depending on the coverage level and additional benefits included. You must also keep paying your Part B premium. Additionally, if you are a high-income earner, Medicare may apply a monthly Income Related Monthly Adjustment Amount (IRMAA).[5]

AARP/UHC’s monthly premiums are highly dependent on where you live. For instance, the average cost of a Medicare Advantage plan from AARP/UHC in Florida is $0.00 per month, but in North Dakota the average cost is $36.40 per month. These averages do not include Special Needs Plans.

AARP/UHC's Premiums vs. Competitors

The following list shows AARP/UHC's nationwide average monthly premium (excluding Special Needs Plans) vs. several competitors.

AARP/UHC
$13.97
Aetna
$5.51
Cigna
$7.75
Wellcare
$42.17
Kaiser
$22.97

You also need to factor in copayments or coinsurance for healthcare services like doctor visits or hospital stays. The costs in each AARP/UHC plan we reviewed varied depending on the level of coverage and the type of services received.

Some plans may offer $0 premiums or low copayments for certain services, while others may have higher premiums but lower out-of-pocket costs. It's important to carefully review the costs and coverage details of each plan option to find the one that best fits your budget and healthcare needs.[7]

We analyzed the following popular AARP/UHC plans to give you an idea of what members pay to use healthcare services. This is just a sample, use our Medicare Advantage Plan Finder to see plans and costs where you live.

Important costs for plan ID H0609-051-0 reviewed in Dallas County, TX.
  • Monthly premium: $0
  • Out-of-pocket max: $3,800
  • Primary Care: $$0
  • Specialist: $$0
  • Tier 1 Prescriptions: $0.00 copay, $0 deductible
  • Urgent Care: $$0
  • Emergency Room: $$0
  • Ground Ambulance: $$0
  • Inpatient Care:
  • Extra Benefits: None
Important costs for plan ID H0609-061-0 reviewed in Dallas County, TX.
  • Monthly premium: $0
  • Out-of-pocket max: $3,800
  • Primary Care: $$0
  • Specialist: $$0
  • Tier 1 Prescriptions: $0.00 copay, $0 deductible
  • Urgent Care: $$0
  • Emergency Room: $$0
  • Ground Ambulance: $$0
  • Inpatient Care:
  • Extra Benefits: None
Important costs for plan ID H0609-070-0 reviewed in Dallas County, TX.
  • Monthly premium: $24
  • Out-of-pocket max: $3,300
  • Primary Care: $$0
  • Specialist: $$0
  • Tier 1 Prescriptions: $0.00 copay, $0 deductible
  • Urgent Care: $$0
  • Emergency Room: $$0
  • Ground Ambulance: $$0
  • Inpatient Care:
  • Extra Benefits: None

Is AARP/UHC a Good Medicare Advantage Plan?

AARP Medicare Advantage plans, provided through UnitedHealthcare, offer a variety of options designed to meet diverse healthcare needs. Evaluating whether these plans are a good fit depends on individual health requirements, budget, and personal preferences.

Several consumer intelligence companies and review websites provide insights into the quality of these plans. Here’s an overview of their findings:

Better Business Bureau (BBB) Rating

The BBB rates UnitedHealthcare with a D- rating, indicating a significant issue managing public trust and customer satisfaction.

NCQA Health Plan Score

The National Committee for Quality Assurance (NCQA) rates health plans annually. In its latest ratings, UnitedHealthcare's Medicare Advantage plans received scores ranging from 3.5 to 4.5 stars out of 5, reflecting strong performance in areas such as quality of care and patient satisfaction.[4]

ConsumerAffairs Review

On ConsumerAffairs, members generally report negative experiences with AARP-branded Medicare Advantage plans, noting issues with customer service and occasional issues with claim processing and provider network restrictions .

AM Best Financial Strength Rating

AM Best rates UnitedHealthcare with an A (Excellent) rating, indicating the company’s strong ability to meet its ongoing insurance obligations.[3]

J.D. Power Ranking

In its 2023 U.S. Medicare Advantage Study, J.D. Power evaluated member satisfaction with Medicare Advantage plans based on factors such as trust, communication, and benefits. UnitedHealthcare was cited as a leader in this study, highlighting its strong performance and member satisfaction across multiple states. Here's how UnitedHealthcare (which included AARP branded plans) ranked[2]:

  • California: 4th place
  • Florida: 2nd place
  • New York: 6th place
  • Pennsylvania: 5th place
  • Texas: 4th place

AARP/UHC's Medicare Star Ratings

AARP/UHC's average 5-star rating: 4.05*
*Our calculation is weighted by enrollments in public plans, excluding Special Needs Plans, with CMS star ratings across 27 contracts covering 4,406,118 members.

If you're interested in the government's unbiased assessment of AARP/UHC's Medicare Advantage plans, you can check the Centers for Medicare and Medicaid Services' star ratings. These ratings evaluate each plan on a scale from 1 (worst) to 5 (best) stars, focusing on the quality of care and customer satisfaction, with updates provided every year.[9]

All Medicare Advantage plans are evaluated on CMS's health plan measures. Plans that include prescription drug coverage are also evaluated on drug plan measures. Based on the most recent year of data and weighted by enrollment, AARP/UHC’s 2024 Medicare Advantage plans get an average rating of 4.05 stars.[9] [11]

As of January 1, 2024, 76% of members with AARP/UHC are in contracts that have earned a Medicare star rating of 4 stars or more.

Discover the ratings for plans available in your area using our Medicare Advantage Plan Finder tool.

Plan Availability

AARP/UHC's Medicare Advantage plans are available in 45 states and the District of Columbia, including:

AL, AR, AZ, CA, CO, CT, DC, DE, FL, HI, IA, ID, IL, IN, KS, KY, MA, MD, ME, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, and WV.

In total, AARP/UHC offers Medicare Advantage plan in 0 out of 3,140 U.S. counties.[8]

AARP/UHC's Top Plans

Here's a list of AARP/UHC's most popular plans (by enrollments):[9][10]

Medicare Advantage Search and compare Medicare Advantage plans available in your area.

Find Plans in your area with your ZIP Code

Frequently Asked Questions

The following are the most frequently asked questions we found about AARP/UHC's Medicare Advantage plans:

Some Medicare Advantage plans offer a zero-dollar monthly premium because what Medicare pays the plan, plus your Medicare Part B premium, cover the full cost. For healthy people who want to keep their monthly costs low, these plans are an attractive option. But, just be aware that the premium is not the only cost. Plans also have copays or coinsurance you must pay when you use services. To learn more about free Medicare Advantage plans, read Why are Some Medicare Advantage Plans Free?

There is no debate when it comes to which plan offers better coverage. Original Medicare and a supplement plan offer the best coverage, but it costs more up-front. For a complete breakdown of the differences between Medicare Advantage plans and Medigap plans, read: Medicare Advantage vs Medigap: Which is Best for You?

With a Medicare Advantage plan you pay most of your costs when you use healthcare services through deductibles, copayments and/or coinsurance. As a result, private health plans can be difficult to budget. Learn More...

Researching your health plan options is important. Here are some key questions to consider before choosing a Medicare Advantage plan as well as additional companies to read about:

Key Questions

All plans potentially have monthly premiums, deductibles, copayments, and/or coinsurance, including plans from AARP/UHC. Are these costs within your budget?

  • Does the plan cover your prescriptions? Knowing how a plan covers them is important if you have regular prescriptions because costs and coverage vary widely from plan to plan.
  • Are your doctors in the plan’s network? If you have preferred providers, ensure they participate in the plan’s network.
  • Is routine dental, vision, and hearing covered? Traditional Medicare doesn’t cover these services. If you need it, be sure to explore plans that cover it.
  • What extras does the plan include? Plans may include many beneficial extras, like gym memberships (SilverSneakers), medical transportation, meal delivery, telehealth, and more.

If you have additional questions, visit Medicare.gov or call 800-MEDICARE (800-633-4227, TTY 877-486-2048).

About AARP/UHC

Headquartered in Minnetonka, Minnesota, UnitedHealthcare (UHC) partners with AARP to offer a variety of Medicare Advantage plans. These include Medicare Part C plans, which often bundle in additional benefits like dental, vision, and hearing coverage, Medicare Part D prescription drug plans, as well as Medicare Supplement plans.

You can enroll in an AARP/UHC Medicare Advantage plan during your Initial Enrollment Period (IEP) when you turn 65, the annual Open Enrollment Period (Oct 15 - Dec 7), or during a Special Enrollment Period (SEP) based on specific circumstances such as moving or losing other health coverage.

Company
AARP® Medicare Advantage from UnitedHealthcare®
Phone Number
877-699-5710
Website
https://www.aarpmedicareplans.com/
Facebook Page
https://www.facebook.com/AARPMemberBenefits/
X (Twitter) Page
https://x.com/aarppolicy?lang=en

Citations

MedicareWire uses trustworthy sources to inform its work, including government websites, government data, actuarial service data, consumer intelligence websites, and peer-reviewed studies. All content is fact-checked for accuracy, timeliness, and relevance. We used the following information sources in this review: