Learn What AARP Insurance Products Cover and Cost

What AARP Insurance Actually Includes: A Product-by-Product Breakdown

AARP offers several insurance products under its own branding, though they're typically underwritten by partner insurance companies. Understanding what each product covers helps you compare them against other options in the marketplace. These products fall into a few main categories: health-related coverage, property and casualty insurance, and life insurance products.

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AARP Medicare Supplement Insurance (also called Medigap) covers some of the costs that Original Medicare doesn't pay for. Original Medicare has gaps—it doesn't cover everything. With a Medigap policy, you might see coverage for coinsurance amounts, copayments, and deductibles that Medicare leaves unpaid. For example, if Medicare Part B has a $226 annual deductible (2024 figure), a Medigap plan could cover that deductible for you. There are ten standardized Medigap plans, labeled A through N, and AARP offers many of these options depending on where you live.

AARP Medicare Advantage plans are a different type of Medicare alternative entirely. These are actually Medicare Part C plans where AARP partners with health insurers to offer coordinated care. These plans bundle hospital, medical, and prescription drug coverage into one plan, often with lower monthly premiums than other Medicare options but with network restrictions and out-of-pocket limits.

Beyond Medicare products, AARP offers home and auto insurance through partner companies. Home insurance typically covers dwelling damage, personal property, liability protection, and additional living expenses if your home becomes uninhabitable. Auto insurance covers liability (damage you cause to others), collision (your car's damage in an accident), and comprehensive coverage (damage from weather, theft, or vandalism).

Your takeaway: AARP's insurance products span Medicare supplements, Medicare alternatives, and property/casualty coverage. Each serves a different need, so matching your situation to the right product type matters before comparing costs.

Breaking Down Medicare Supplement Coverage: What You Pay For and What AARP Covers

Original Medicare (Part A and Part B) requires you to share costs through deductibles, coinsurance, and copayments. A Medigap plan fills in some or all of these gaps, depending on which plan letter you choose. The ten Medigap plans are standardized nationwide, meaning Plan G from AARP covers the exact same benefits as Plan G from any other insurer—the only differences are price and service quality.

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Plan A is the basic option. It covers Part A coinsurance and hospital costs after Medicare stops paying (up to 365 additional days), Part B coinsurance or copayments, and blood transfusions. Plan B includes everything in Plan A, plus it adds the Part A deductible. Plan C (available only to those who became eligible before January 1, 2020) covers Parts A and B deductibles, coinsurance, copayments, and excess charges. Plan F was historically the most comprehensive Medigap option, covering Part B excess charges and most out-of-pocket costs, but it's no longer sold to newly eligible beneficiaries.

Plan G is now often considered the most comprehensive choice for new beneficiaries. It covers Part A deductible, Part A and B coinsurance/copayments, and Part B excess charges—essentially everything except the Part B deductible ($226 in 2024). Plan N covers most of the same items but requires you to pay copayments at doctor visits ($20) and emergency room visits ($50 waived if admitted). Plan N typically costs less monthly but requires these small out-of-pocket amounts when you receive care.

The higher the plan letter (moving from A toward N), generally the more coverage included, though some variations exist. Plans D, H, I, and J are no longer sold to new beneficiaries. The "gaps" Medigap doesn't cover include long-term care, dental, vision, hearing aids, and routine eye exams. Medicare prescription drug coverage (Part D) is separate from Medigap and must be purchased independently or through a Medicare Advantage plan.

Your takeaway: Medigap plans are standardized by letter, so your choice isn't about what Plan G covers but which insurer (including AARP) offers the best price and service. Newer beneficiaries typically choose between Plans A, B, G, and N based on how much out-of-pocket costs they're willing to accept.

How AARP Medigap Premiums Work: Age, Location, and Pricing Models

AARP Medigap premiums vary by three main factors: your age, your zip code, and the plan you choose. Unlike group health insurance where everyone in the plan pays similar amounts regardless of age, Medigap pricing reflects your actual age. Insurers typically use one of three pricing methods: issue-age rating (based on your age when you buy the plan), attained-age rating (increases annually as you get older), or community rating (everyone in an area pays the same regardless of age). AARP uses different rating methods in different states, so a Plan G premium in New York may follow a different pricing structure than the same plan in Florida.

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When you first become eligible for Medigap at age 65, you have a six-month "open enrollment period" where insurers cannot deny you coverage or charge more based on health conditions. This is the cheapest time to buy because insurers price plans knowing they'll attract a broad mix of applicants. If you wait to enroll after this window closes, insurers may underwrite your application (review your health) and could charge higher premiums or deny coverage entirely. This creates a financial incentive to enroll promptly, though this is not a "deadline" situation in the urgent sense—you can enroll later, but costs may reflect your health history.

Location matters substantially. A Plan G from AARP in rural Montana might cost $100 monthly, while the same plan in an urban area could run $250 or more. This reflects regional healthcare costs, claims history, and state regulation. Your zip code determines which rating area you fall into, and premium quotes should always be calculated for your specific location. AARP publishes some sample rates on their website, but these are examples and vary widely.

As you age within a plan, your premiums typically increase annually. An 70-year-old paying $150 per month for a Plan G might pay $200 by age 80 using attained-age rating. Over a 20-year period, these age-related increases compound. This is why comparing plans annually and considering switching to a lower-cost alternative becomes relevant as time passes. Some people keep their original plan for stability; others shop around every few years to find better rates elsewhere.

Your takeaway: Your AARP Medigap premium reflects your age, location, and plan choice. Your lowest rates typically occur when you first enroll during your open enrollment period. After that, costs increase annually with age, making periodic comparison shopping potentially worthwhile.

AARP Auto and Home Insurance: Coverage Options and What Things Actually Cost

AARP auto insurance is underwritten by The Hartford or other regional carriers, depending on your state. The product includes standard auto insurance components: liability coverage (required by law in most states), collision coverage (your car's damage in an accident), and comprehensive coverage (theft, weather, vandalism). Optional add-ons include uninsured motorist coverage (protects you if hit by someone without insurance), medical payments coverage, and roadside assistance.

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Liability coverage has minimum and maximum limits you select. In most states, minimum liability is $25,000 per person and $50,000 per accident. However, financial advisors often recommend $100,000 per person and $300,000 per accident because if you're at fault in a severe accident, you could face a lawsuit for damages beyond these minimums. Collision and comprehensive coverage both have deductibles—typically $500 or $1,000. Choosing a higher deductible (paying more out-of-pocket when you have a claim) lowers your monthly premium. Someone who hasn't had an accident in 20 years might choose a $1,000 deductible and save $20–30 per month.

AARP home insurance covers your dwelling (the physical structure), personal property (furniture, clothes, electronics), liability protection (if someone is injured on your property), and additional living expenses (hotels and meals if your home is damaged and you can't live there). Standard homeowners policies cover damage from fire, wind,