If you or your spouse worked for at least 10 years, you won’t need to pay a monthly premium for Medicare Part A, as you already contributed to Medicare Part A premiums through taxes. However, you will need to pay a premium for Part B, which costs at least $170.10 per month in 2022. The premium is higher for higher income people and tends to increase every year.
All UHC Medicare Supplement plans cover Part A coinsurance and hospital costs for up to 365 days after Medicare benefits are depleted. Plan K provides the least coverage and is usually the least expensive. Plans F, G and N are most popular. Plan C and F are no longer available to beneficiaries who weren’t eligible for Medicare before January 2020. Plans cover different amounts of Part A deductibles, skilled nursing or hospice coinsurance, blood products and foreign travel costs. The cheapest plans set higher deductibles and/or out of pocket limits. In addition, an annual AARP membership costs $16, which is required to access the AARP and UHC Supplement plan benefits.
If you use prescription drugs, you can purchase AARP MedicareRx, UHC’s Part D prescription drug plan. This plan covers common generic and brand name prescription drugs, though available drugs and costs are subject to change. Many popular drugs are available for $0 copays at 9,000 Walgreens and Duane Reade stores nationwide. UHC’s mail order pharmacy OptumRx offers home delivery as well.
