1. Founder, Georgia Medicare Plans, Atlanta,GA
    AARP is a marketing organization and political activist group that endorses various insurance products in exchange for a kickback. They do not underwrite or directly sell insurance plans.

    The endorsed Medigap plans are underwritten, issued and administered by United Healthcare.

    All plans with the same letter (plan F for example) are identical from carrier to carrier. If you were to compare Medicare supplement plan F from United it would be identical in every way to plan F from Blue Cross, Humana, Mutual of Omaha or Philadelphia American.

    The ONLY difference is the premium charged.

    The United plans from AARP are banded in 3 year brackets in most states. Your rate can increase as you age due to inflationary adjustments as well as moving to a new age bracket. This can result in a double rate increase in the same calendar year.
    #MedigapPlanFRates #MedicareSupplementPlanFRates #GeorgiaMedigapPlanFRates #GeorgiaMedicareSupplementPlanFRates #GeorgiaMedicarePlans #GaMedigapQuotes
    Answered on March 27, 2013
  2. J Scott BurkePRO
    President, Newbury Inc., Evansville, Indiana
    Bob has good information but I will add that in many states the United Healthcare Plan (AARP) has a built in rate increase the first 10-years. This is in addition to the attained age rate increase that is already built in.

    The way they do that is they call it a "discount." The discount is for age 65 applicants but even with the full discount the premium is not cheaper than other companies. But then they take a pro-rated amount of the discount away each year for 10-years.

    So in reality, it wasn't really a discount but a built-in additional price increase that they never have to claim as a price increase.

    Regardless of what you think of the AARP organization, when it comes to their name on ANY insurance product, use the same caution that you would with any other company. The insurance companies just buy the use of the AARP name and logo. It doesn't mean the product is a good value or a bad one. But it does catch some seniors off guard.
    Answered on April 4, 2013

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