Carrier Analysis

AARP/UnitedHealthcare Medicare Supplement

The largest Medicare Supplement insurer in the United States, offering comprehensive coverage through the trusted AARP brand with UnitedHealthcare's extensive network.

Market Share: 35%
A.M. Best: A+
50 States
Service: 4.2/5
AAR

AARP/UnitedHealthcare

NAIC: 79413

Est. 1977 (AARP partnership)

Financial Strength Ratings

A.M. Best

A+

Superior

Moody's

Aa3

Investment Grade

S&P Global

AA-

Strong

Customer Satisfaction

4.2/5

Industry Rating

Pros & Cons Analysis

Strengths

Largest Medicare Supplement market share with proven stability

Extensive nationwide provider network and customer service

Strong financial ratings across all major rating agencies

AARP member benefits and advocacy

Competitive pricing in most markets

Streamlined claims processing

Considerations

AARP membership required (starts at age 50)

Premium rates may vary significantly by rating class

Rate increases have been implemented in recent years

Limited options for younger Medicare beneficiaries

Available Medicare Supplement Plans

Plan A
Plan B
Plan C
Plan D
Plan F
Plan G
Plan K
Plan L
Plan M
Plan N

Special Features & Benefits

AARP membership benefits and discounts

Gym membership discounts through Renew Active

Vision and dental discounts

24/7 nurse hotline

Online member portal and mobile app

What Customers Say

Positive Feedback

Excellent customer service and claims processing

Widely accepted by healthcare providers

Stable company with long history

Comprehensive coverage options

Areas for Improvement

Premium increases in recent years

AARP membership requirement

Complex rating class system

Financial Stability Overview

Total Assets

$50+ billion

Surplus Ratio

Strong

Risk-Based Capital

400%+

Trend

Stable

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