Plan F

Plan F is only available to those first eligible for Medicare before 2020 based on age, disability or end-stage renal disease and who are members of AARP.

Discover why Plan F may be a good fit

Plan with most comprehensive coverage

Covers Part A and Part B deductibles (Total $1,872 in 2024)

Comes with wellness extra services and discounts for a gym membership 10

See any doctor and visit any hospital that accepts Medicare patients

Includes foreign travel emergency benefit

Coverage Details

Basic Costs

See what you’ll pay for this plan including your premium, deductible and maximum out-of-pocket costs.

This is the amount of money you pay for covered services per calendar year.

If you have Original Medicare, and the amount a doctor or other health care provider is legally permitted to charge is higher than the Medicare-approved amount, the difference is called the excess charge.

Doctor Visits

See this plan's coverage and cost when you see any doctor or specialist that accepts Medicare patients.

Service What you'll pay
Primary Care Visits $0 $0
Specialist Visits $0 $0
Referral to Specialist Required? No No
See any doctor who accepts Medicare patients? Yes Yes
Preventive Services $0 for Medicare covered services $0 for Medicare covered services

Urgent/Emergency Care

Learn about this plan's coverage and costs for urgent care and emergency services.
Service What you'll pay
Urgent Care $0 $0
Emergency Care $0 $0
Ground Ambulance Services $0 $0
Air Ambulance Services $0 $0
Foreign Travel Emergency 20% after $250 annual deductible with a $50,000 lifetime maximum 20% after $250 annual deductible with a $50,000 lifetime maximum

Hospitalization & Skilled Nursing Facility Care

Learn about this plan's coverage and costs for inpatient hospital and skilled nursing facility stays.

Service What you'll pay
Inpatient Hospital Care 7 $0 for days 1-60
$0 for days 61-90
$0 while using 60 lifetime reserve days for days 91 and later
$0 for an additional 365 days, after lifetime reserve days are used 8
All costs beyond the additional 365 days
$0 for days 1-60
$0 for days 61-90
$0 while using 60 lifetime reserve days for days 91 and later
$0 for an additional 365 days, after lifetime reserve days are used 8
All costs beyond the additional 365 days
Skilled Nursing Facility 7 $0 for days 1-100
All costs for days 101 and later
$0 for days 1-100
All costs for days 101 and later

Outpatient Care

See this plan's coverage and cost for outpatient care.
Service What you'll pay
Ambulatory Surgical Center $0 $0
Outpatient Hospital Services $0 $0
Mental Health - Outpatient $0 $0

Lab/X-Ray Services & Equipment

See this plan's coverage and cost for lab and x-ray services and durable medical equipment.
Service What you'll pay
Lab Services 9 $0 $0
Diagnostic Radiology Services (such as MRIs/CT scans, etc.) $0 $0
Outpatient X-Rays $0 $0
Durable Medical Equipment $0 $0

Wellness Extras 10

Discounts and services insured members can enjoy once enrolled in an AARP® Medicare Supplement Insurance Plan insured by UnitedHealthcare Insurance Company.

A gym membership at no additional cost to you A gym membership at no additional cost to you

Important Resources

Valuable resources that provide important information about the coverage and benefits of the plan as well as other documents that you may find useful.

This page contains documents in PDF format. PDF (Portable Document Format) files can be viewed with Adobe® Reader®. If you don't already have this viewer on your computer, download it free from the Adobe website.

Important Information

Already an Insured Member?

For accurate information about rates and plans if you are currently insured under an AARP Medicare Supplement Plan, please call UnitedHealthcare for information.

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Scroll for Important Disclaimers

UnitedHealthcare pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.

AARP encourages you to consider your needs when selecting products and does not make product recommendations for individuals.

Please note that each insurer has sole financial responsibility for its products.

AARP Medicare Supplement Insurance Plans

AARP endorses the AARP Medicare Supplement Plans insured by UnitedHealthcare. Insured by UnitedHealthcare Insurance Company of New York, 2950 Expressway Drive South, Suite 240, Islandia, NY 11749. Policy Form No. GRP 79171 GPS-1 (G-36000-4).

Plans are available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.

Not connected with or endorsed by the U.S. Government or the federal Medicare program.

This is a solicitation of insurance. A licensed insurance agent/producer may contact you.

You must be an AARP member to enroll in an AARP Medicare Supplement Plan.

THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER SHOWN.

AARP MedicareRx (PDP)

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan’s contract renewal with Medicare. You do not need to be an AARP member to enroll in a Prescription Drug Plan. You must continue to pay your Medicare Part B premium. This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments and restrictions may apply. Benefits, premium and/or co-payments/co-insurance may change on January 1 of each year.