Compare Plans (Plans differ in MA, MN and WI)
*AARP Medicare Supplement Insurance Plan G is not offered in all states.
1 While most Medicare supplement insurance plans do not have an annual out-of-pocket maximum, in 2018 Plan K has an out-of-pocket maximum of $5,240 and Plan L has an out-of-pocket maximum of $2,620. Services under Plan K and Plan L that do not count toward out-of-pocket maximums include Part B excess charges and any service not covered by Medicare. After the out-of-pocket yearly limit and yearly Part B deductible ($183 in 2018) is met, the plans pay 100% of covered services for the rest of the calendar year. Exception: Plans K and L will pay 100% of Part B co-insurance for preventive services covered by Medicare.
2 Note: Up to $20 co-pay for each office visit and up to a $50 co-pay for emergency room visits that don't result in an inpatient admission.
3 Under Ohio and Pennsylvania law, a physician may not charge or collect fees from Medicare patients which exceed the Medicare-approved Part B charge. Plan F and G pay benefits for excess charges when services are rendered in a jurisdiction not having a balance billing law. In New York, the excess charge is limited to 5%. In Texas, the excess charge is not to exceed 15% over the Medicare-approved amount or any other charge limitation established by the Medicare program or state law. Note that the limiting charge applies only to certain services and does not apply to some supplies and durable medical equipment. Vermont law generally prohibits a physician from charging more than the Medicare-approved amount. However, there are exceptions and this prohibition may not apply if services are received out of state.
4 Care needed immediately because of an injury or an illness of sudden and unexpected onset. Benefit is 80% and beneficiaries are responsible for 20% after the $250 annual deductible with a $50,000 lifetime maximum for medically necessary Foreign Travel Emergency Care received outside the U.S. that begins during the first 60 days of each trip.
Benefits and costs vary depending on the Plan chosen.
For AARP Medicare Supplement Insurance Plans, Plan F is the most popular plan, with 55% of all members enrolled in it. Plan G is the second most popular, with 10% of all AARP Medicare Supplement Plan members enrolled.*
96% of members surveyed reported being satisfied with the AARP Medicare Supplement Plans.**