When I started exploring Medicare Supplement plans, I wanted to find a plan that balanced coverage and cost while giving me peace of mind. One question kept popping up: How much is Plan G with AARP? To help you navigate this, I’m sharing my experience with AARP’s Plan G, including costs, benefits, and tips to make an informed decision.
By logging into MyAARPMedicare, I found clear details about premiums and coverage. This guide will break down everything you need to know about Plan G’s costs with AARP in a simple, engaging way.
Why Choose AARP Medicare Supplement Plan G?
I chose Plan G because it offers robust coverage for gaps in Original Medicare. Let’s dive into why it’s a popular choice and how its costs work.
What Makes Plan G Stand Out?
Plan G covers nearly all out-of-pocket costs that Original Medicare (Parts A and B) doesn’t, except for the Part B deductible. Here’s what I found appealing:
- Comprehensive Coverage: Covers hospital stays, doctor visits, and skilled nursing facility costs.
- No Copays After Deductible: Once I pay the Part B deductible ($257 in 2025), Plan G covers 100% of approved expenses.
- Foreign Travel Emergency: Covers emergency care abroad, which is great for travelers.
- No Network Restrictions: I can visit any doctor who accepts Medicare.
This plan gives me freedom and predictability, but I always ask, “How much is Plan G with AARP?” to ensure it fits my budget. Understanding its benefits helped me see why it’s worth considering, and now I’ll guide you through the cost details.
Factors That Affect Plan G Costs with AARP
I learned that Plan G’s cost varies based on several factors. Knowing these helped me budget effectively.
Location Impacts Premiums
Where I live plays a big role in my premium. AARP, through UnitedHealthcare, adjusts rates by state and county. For example:
- In Atlanta, I found Plan G premiums averaging $129–$364 for a 65-year-old nonsmoking woman.
- In California, my friend pays around $210 monthly, but in Florida, it’s closer to $196.
Age and Pricing Methods
Insurance companies use three pricing methods, and I noticed AARP often uses community-rated pricing, where everyone pays the same premium regardless of age. However, some states use issue-age or attained-age pricing, which affects costs:
- Community-Rated: Same premium for all ages.
- Issue-Age: Premium based on my age when I enrolled.
- Attained Age: Premium increases as I get older.
Gender, Tobacco Use, and Discounts
I don’t smoke, which saves me money, as tobacco users pay higher premiums. Gender can also affect rates in some states, with women sometimes paying less. AARP offers household discounts if another person in my home has a policy, reducing my costs by up to 10%.
High-Deductible Plan G Option
I explored the high-deductible Plan G, which has a lower premium but requires me to pay $2,870 out-of-pocket before coverage kicks in. For 2025, this option averages $49 monthly, compared to $159 for standard Plan G.
By understanding these factors, I could better estimate my costs. You might be wondering, how much is Plan G with AARP? The answer depends on several variables, but I’ll walk you through how to get exact numbers. Let’s move on to the specific costs and how to find them.
Average Costs of AARP Plan G in 2025
I dug into the numbers to understand Plan G’s costs. Here’s what I found for 2025.
Standard Plan G Premiums
Based on my research, AARP’s Plan G premiums vary widely:
| Location | Average Monthly Premium (65-Year-Old Nonsmoker) |
|---|---|
| Atlanta, GA | $129–$364 |
| California | $173–$210 |
| Florida | $176–$196 |
| New York | $200–$300 |
These are averages for a 65-year-old nonsmoking woman. I recommend checking your zip code for precise rates.
High-Deductible Plan G
The high-deductible version is cheaper but riskier if I need frequent care:
- Monthly Premium: $49 on average.
- Deductible: $2,870 (2025).
- Best For: Healthy individuals with low medical needs.
Additional Costs to Consider
I also account for:
- AARP Membership: $20 annually to access Plan G.
- Part B Deductible: $257 in 2025, paid before Plan G coverage starts.
- Premium Increases: AARP’s Plan G saw a 13% hike in July 2024 and 5% in January 2025, totaling 18%. My friend’s premium jumped from $173 to $210.
To get exact costs, I called UnitedHealthcare at 1-888-378-0254. Asking, “How much is Plan G with AARP?” gave me tailored quotes. Knowing these numbers helped me plan my budget, and now I’ll share how to compare and enroll.
How to Find and Compare Plan G Costs?
I found comparing costs straightforward with the right steps. Here’s my approach.
Step-by-Step Guide to Check Costs
Follow these steps to find your Plan G premium:
- Visit AARP’s Website: Go to www.aarpmedicareplans.com and enter your zip code.
- Call UnitedHealthcare: Dial 1-888-378-0254 (Monday–Friday, 7 a.m.–11 p.m., Saturday, 9 a.m.–5 p.m. ET).
- Use Medicare.gov: Compare Plan G across insurers in your area.
- Check for Discounts: Ask about household or nonsmoker discounts.
- Review Rate Increases: Research AARP’s rate history (e.g., 18% hike in 2024–2025).
Comparing with Other Insurers
I compared AARP’s Plan G with other companies like Cigna and Mutual of Omaha. AARP’s rates are often competitive ($157/month on average), but Cigna offers lower premiums ($120–$140). Since all Plan G policies have identical coverage, I focused on price and customer service.
Enrollment Tips
I enrolled during my Medigap Open Enrollment Period (six months from my Part B start date at age 65) to avoid medical underwriting. Outside this period, I’d face health questions, which could raise rates or lead to denial. If you’re wondering how much is Plan G with AARP costs, the best time to check is during open enrollment—this is when you’re most likely to get the lowest rates.
These steps made comparing costs easy, and now I’ll cover Plan G’s benefits and extras.
Benefits and Extras of AARP Plan G
I love the added perks AARP offers with Plan G. Here’s what I discovered.
Coverage Details
Plan G covers:
- Hospital Costs: Part A deductible ($1,676 in 2025) and coinsurance.
- Doctor Visits: Part B coinsurance (20% of approved costs) after the $257 deductible.
- Skilled Nursing: Coinsurance for days 21–100.
- Foreign Travel: Up to 80% of emergency care costs abroad.
AARP’s Unique Perks
AARP’s partnership with UnitedHealthcare adds value:
- 24/7 Nurse Line: I can call anytime for health questions.
- Renew Active: Free gym membership keeps me active.
- Staying Sharp: Brain health games for mental fitness.
- Vision and Dental Discounts: Saves me on glasses and dental care.
These extras make AARP’s Plan G appealing, but I always confirm, “How much is Plan G with AARP?” to ensure the perks justify the cost. The benefits and extras give me confidence, but I’ll wrap up with final thoughts.
Conclusion
Navigating Medicare Supplement plans felt overwhelming at first, but once I figured out how much Plan G is with AARP, things started to make sense—it typically ranges from $129 to $364 per month in 2025, depending on your age, location, and available discounts.
By sharing my journey, I hope I’ve helped you understand the costs, benefits, and steps to enroll. Use resources like www.aarpmedicareplans.com or call UnitedHealthcare to get your quote. With this guide, I’m confident you can make an informed decision and find a plan that fits your budget and healthcare needs.
