Plan G: Broad standardized coverage; additional benefits include Renew Active and insured-member wellness discounts and services.
2026 Medicare Supplement plan details
AARP Medicare Supplement plans insured by UnitedHealthcare.
Compare 2026 AARP UnitedHealthcare Medicare Supplement (Medigap) plans in California, including UHC Plan G, Plan N, and Plan F. AARP membership is required. Verify your eligibility, effective date, California rate region, and exact premium before applying.
Important:
You must be an AARP member to enroll in an AARP Medicare Supplement plan insured by UnitedHealthcare. Medicare Supplement coverage works with Original Medicare and does not include outpatient prescription drug coverage. Premiums vary by plan, age, California rate region, tobacco status, eligibility, and available savings. Review the enrollment kit and policy for complete benefits, exclusions, rates, and application rules.
Side-by-side plan view
Compare standardized coverage and additional benefits.
AARP membership is required to enroll. Medicare Supplement coverage works with Original Medicare. Confirm that your providers accept Medicare and request a personalized rate quote based on your plan, age, California ZIP area, tobacco status, eligibility, and available enrollment discounts.
Highlight a plan to compare
Plan N: Lower-premium potential with office and non-admitted ER copays; Part B excess charges are not covered.
Plan F: Broadest standardized coverage, including the Part B deductible, for people first eligible for Medicare before 2020.
Plan G
Variespremium by age and California rate region
EligibleAvailable to eligible applicants
- Part B coverage
- Part B coinsurance and excess charges included; Part B deductible not covered
- Additional benefits
- Renew Active and insured-member wellness discounts and services
Plan N
Variespremium by age and California rate region
EligibleAvailable to eligible applicants
- Part B coverage
- Part B coinsurance covered, with up to $20 office and $50 non-admitted ER copays
- Additional benefits
- Renew Active and insured-member wellness discounts and services
Plan F
Variespremium by age and California rate region
Pre-2020Medicare eligibility before January 1, 2020
- Part B coverage
- Part B deductible, coinsurance, and excess charges included
- Additional benefits
- Renew Active and insured-member wellness discounts and services
Selected standardized Medicare Supplement benefits
Swipe horizontally to compare all plan benefits.
| Compare | Plan G | Plan N | Plan F |
|---|---|---|---|
| Medicare Part A deductible | Covered | Covered | Covered |
| Skilled nursing facility coinsurance | Covered | Covered | Covered |
| Medicare Part B deductible | See carrier materials | Not covered | Covered |
| Office and non-admitted ER copays | See carrier materials | Up to $20 for office visits and $50 for non-admitted ER visits | None under the standardized plan design |
| Medicare Part B excess charges | Covered | Not covered | Covered |
| Foreign travel emergency | Covered up to plan limits | Covered up to plan limits | Covered up to plan limits |
| Selected additional benefits | Renew Active and insured-member wellness discounts and services | Renew Active and insured-member wellness discounts and services | Renew Active and insured-member wellness discounts and services |
This comparison shows selected highlights only. Standardized benefits, eligibility, exclusions, additional benefits, and premiums are described in the complete carrier enrollment kit and policy documents.
Premiums vary by plan, age, California rate area, tobacco status, eligibility, and available enrollment discounts.
Request Your Personalized RateAARP membership and enrollment
Common AARP and UnitedHealthcare questions.
AARP membership and Medicare Supplement eligibility are separate requirements. Review both before applying for coverage.
Is AARP membership required for a UnitedHealthcare Medicare Supplement plan?
Yes. You must be an AARP member to enroll in an AARP Medicare Supplement plan insured by UnitedHealthcare. AARP membership does not replace the plan's Medicare eligibility, application, and enrollment requirements.
Do I need to be 50 or 65 to join AARP?
No. The supplied AARP membership form states that anyone age 18 or older may join. Eligibility for an AARP Medicare Supplement plan is separate and depends on Medicare eligibility, state availability, and applicable enrollment rules.
Can my spouse or partner be included in my AARP membership?
The supplied AARP membership form states that one membership includes an additional household member. Each person applying for Medicare Supplement coverage must still meet the plan's eligibility and enrollment requirements.
Does AARP insure these Medicare Supplement plans?
No. AARP endorses the plans, and UnitedHealthcare Insurance Company is the insurer. The carrier material states that AARP and its affiliates are not insurers and do not employ or endorse agents, brokers, or producers.
Can I use an AARP Medicare Supplement plan with any doctor?
The plans work with Original Medicare and generally have no provider network restrictions. You may use doctors who accept Medicare patients, but you should confirm Medicare participation directly with each provider.
What affects UHC Medicare Supplement Plan G rates in California?
UHC Medicare Supplement Plan G premiums can vary by age, California ZIP rating area, tobacco status, effective date, eligibility, and available enrollment discounts. AARP membership is also required to enroll in an AARP Medicare Supplement plan insured by UnitedHealthcare.
Who can enroll in Plan F?
Plan F is available only to people who were first eligible for Medicare before January 1, 2020. Applicants must also meet the carrier's other eligibility and enrollment requirements.
Original Medicare provider access
Confirm Medicare participation and your exact rate.
Medicare Supplement coverage works with Original Medicare. Confirm that your providers accept Medicare and request the exact premium for your plan, age, California rate region, tobacco status, and eligibility.
Original carrier material
Read the complete carrier documents.
The 2026 enrollment kit contains California plan and rate information. The additional AARP materials explain the membership requirement, membership activation, and general plan features.
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- Plan G, Plan N, and Plan F options
- Age, California rate region, tobacco status, and available savings
- AARP membership and separate Part D coverage questions
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Benefits and rates shown are selected highlights from the linked 2026 carrier enrollment kit. Availability, eligibility, underwriting, guaranteed-acceptance rights, premiums, savings, exclusions, and policy rules may apply. The carrier policy and approved rate information control.
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Medicare disclosure
Skyline Benefit is an independent insurance agency and is not connected with or endorsed by the U.S. government or the federal Medicare program.
We do not offer every plan available in your area. Currently we represent 11 organizations which offer 58 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.