AARP Medicare Supplement Plans remain among the most trusted options for seniors who want additional coverage beyond Original Medicare. As of November 2025, there have been several significant updates that affect both existing members and those considering enrollment. The plans, offered through a long-standing partnership between AARP and UnitedHealthcare, continue to evolve with changes in premiums, provider management systems, and overall program structure.
A Major Financial Development Between AARP and UnitedHealthcare
In 2025, AARP received a one-time royalty payment exceeding $9 billion from UnitedHealthcare. This massive payout was part of a restructured long-term agreement between the two organizations, securing UnitedHealthcare’s role in managing and marketing AARP-branded Medicare products. While this financial transaction does not directly impact the benefits received by policyholders, it underscores the financial strength and commercial partnership supporting these plans. The deal ensures that AARP Medicare Supplement Plans will remain a cornerstone of UnitedHealthcare’s senior insurance offerings for years to come.
Premium Increases for Plan F Starting June 2025
Another key update for 2025 involves an increase in premiums for AARP Medicare Supplement Plan F, which is one of the most popular Medigap plans. Beginning June 1, 2025, the average premium for members aged between 69 and 71 will rise from around $190.92 to $203.54. This adjustment reflects broader healthcare cost trends, including inflation and higher medical service utilization. Although Plan F has been closed to new enrollees since 2020 (except for those who were eligible for Medicare before that year), many existing members still hold this plan and will be affected by the price increase. Policyholders are encouraged to review their billing statements and confirm the new rate with UnitedHealthcare or their local state insurance office.
Provider Portal Transition Announced
As part of ongoing modernization efforts, UnitedHealthcare announced that the AARP Healthcare Options Provider website will be decommissioned on June 30, 2025. After this date, healthcare providers will need to use the UnitedHealthcare Provider Portal to access patient information and process claims for AARP Medicare Supplement insured members. This change is designed to improve system efficiency and data security while consolidating provider tools into a single platform. For policyholders, the shift may lead to minor administrative adjustments as healthcare providers adapt to the updated process. However, coverage and claims handling are expected to continue seamlessly during the transition period.
What These Changes Mean for AARP Medicare Supplement Members
These recent updates carry important implications for current and future AARP Medicare Supplement members. The premium increase signals the ongoing financial pressures on the healthcare system, and members should be prepared for possible future adjustments. Meanwhile, the transition to a new provider portal highlights UnitedHealthcare’s efforts to streamline operations and improve accessibility for doctors and hospitals working with AARP plan holders. The $9 billion royalty payment also demonstrates the scale and profitability of the AARP–UnitedHealthcare partnership, which helps sustain the brand’s presence in the Medicare market. Overall, members can expect continued stability in their plan offerings, but should stay alert to administrative changes that may affect their service experience.
Overview of AARP Medicare Supplement Plans
AARP Medicare Supplement Plans, also known as Medigap, are designed to fill coverage gaps left by Original Medicare (Part A and Part B). These plans help pay for out-of-pocket costs such as deductibles, copayments, and coinsurance. The plans are standardized across most states, meaning that benefits for each plan letter (A, B, C, F, G, K, L, N) remain consistent regardless of the insurer. However, premium rates vary based on factors like age, gender, state of residence, and sometimes tobacco use. These plans do not replace Medicare but work alongside it, ensuring that seniors have predictable and reliable coverage for medical expenses.
How AARP Medicare Supplement Plans Compare to Other Options
Compared to Medicare Advantage plans, AARP Medicare Supplement Plans offer greater flexibility and freedom in choosing healthcare providers. Members can visit any doctor or hospital that accepts Medicare, without being restricted to a specific network. While Medicare Advantage often includes extra benefits like vision, dental, or prescription drug coverage, it may come with limited provider access and higher out-of-pocket maximums. AARP Medigap plans, on the other hand, provide consistent nationwide coverage, making them a preferred option for retirees who travel frequently or live part of the year in different states.
Questions for Current and Prospective Members
As these changes roll out, it’s important for both existing and potential members to ask the right questions. Current enrollees should verify whether their premiums have changed and confirm that their providers are using the new UnitedHealthcare portal after June 2025. Prospective members should explore the different Medigap plan options available in their state and compare the benefits and costs carefully. They should also ensure that they are eligible for the plan they want, especially since certain plans like Plan F are no longer open to new applicants. Understanding these details will help consumers make informed decisions and avoid unexpected costs.
Why Staying Informed Matters
Medicare is evolving, with new regulations and cost structures being introduced each year. For example, broader Medicare policy updates, such as caps on out-of-pocket drug spending and improvements to prescription coverage under Part D, can influence how useful a Medigap plan is for certain individuals. Staying informed about these updates allows AARP Medicare Supplement members to reassess their plans and adjust accordingly. This ensures they continue receiving the best balance of coverage and cost efficiency.
The Bottom Line for 2025
AARP Medicare Supplement Plans remain a top choice for millions of Americans who rely on stable, comprehensive coverage. With the recent premium increases, provider portal updates, and financial realignments between AARP and UnitedHealthcare, the program is entering a new phase of modernization. While the cost adjustments may impact monthly budgets, the reliability and scope of coverage remain strong. Seniors who prioritize nationwide access to care and predictable medical costs continue to find great value in AARP’s offerings.
If you’re already enrolled, check your latest correspondence to confirm any premium updates or changes in service access. For those still evaluating options, now is the ideal time to compare different Medigap plans and see how AARP’s coverage aligns with your healthcare needs. Your experiences and questions about AARP Medicare Supplement Plans are welcome—feel free to share your thoughts or insights below.