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AARP Medicare Complete


AARP MedicareComplete Advantage Plan re-brands from Secure HorizonsHappy Seniors Giving Thumbs Up to United Healthcare

A quick visit to Medicare’s official website will list dozens of plan options in most areas of the Country. In today’s post we’re going to take a look at the AARP Medicare Complete Advantage Plan formerly a Secure Horizons brand.

One of the most recognized Medicare Advantage plans has been re-branded as AARP MedicareComplete Insured Through United Healthcare.

In many cases, the AARP Medicare Complete plan has become  the go to plan for insurance agents representing United Healthcare since the  Secure Horizons branded private fee-for-service plans did not renew for a couple of years ago in so many service areas.

Benefit Plan selections are numerous. AARP Medicare Complete plans include HMOs, PPOs and Point of Service (HMO-POS). Plans vary from one service area to another, with HMOs being most popular in large metropolitan areas.

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Assessing AARP Medicare plan options in your area

Although you can find MedicareComplete in many Counties across the United States the plan’s features and benefits will vary greatly depending on where the plan is offered.

Many people begin their search for an Advantage plan by looking for Medicare plans by State. This search is too broad because a service area is considered to be an individual County.

One popular plan that is widely available is the AARP Medicare Complete Choice Plan 2. This plan is a regional PPO and has a fairly credible network of providers available for members.

One benefit of a PPO is the availability for the member to go out of network if they desire. Cost sharing will be lower if a network provider is utilized, but it’s nice to know that you have the freedom to choose your own doctor.

You must name a network provider as your primary physician, but are not obligated to use them. In addition, referrals are not required to see a specialist.

If you find that there are no plans available from United Healthcare in your County, you may have other plan options or you can look into an AARP Medicare supplement insurance policy.

Checking the benefits

The AARP Medicare Complete Choice Plan 2 in particular does not require a monthly premium (other than continued payment of your Part B) and does include the Part D prescription drug benefit with no annual deductible.

Co-pays for doctors and out-patient services are reasonable and the per day hospital co-pay is only required for as little as first six days at an in-network hospital.

One less than positive feature is the much higher co-pay for an out of network hospital stay and an increase in the number of days that the co-pay is required. It’s important to check the provider directory to make sure that you are comfortable with the hospitals that are in network.

Some members are not too concerned that the co-pay is higher out of network, recognizing that given today’s technology, hospital stays are becoming shorter and shorter.

Value added benefits

The plan includes value added benefits, such as; vision, dental and hearing services. Theses services are not going to cover 100%, but they are beyond what original Medicare will cover. The Silver Sneakers gym membership is also available in many service areas.

Compare the AARP Medicare Complete plans with other Medicare Advantage Plans in your area to be certain that the plan will suit your specific needs.


Find plans by visiting Medicare’s official website or by consulting the Medicare publication, “Medicare and You”.


  1. i called and signed up for aarp medicare complete choice plan 2 regional ppo plan on 4/23/15 FRIDAYwas told in couple of days will receive to read and will receive the card before may 1.

    I had to go to er yesterday with chest pain still not recieve uhc card. they came back said my bcbs hmo is inactive now.

    When or who do i call to check the status where information will be mailed? is there a sight i go and see if has been done . i have my confirmation #spoke with Tamika on friday 4/23/15.
    thank you for help with this matter.

  2. is there a website I can go to to see if my doctor is a part of Medicare Unitedhealthcare aarp Complete Choice?

  3. Meg, Because plans vary by region it would be best to call the member services number on your United healthcare AARP card and ask for the URL.

  4. Shannon, If you have enrollment docs either (normally emailed) there should be a member services number. If you have confirmation number even if you don’t have the card yet, you will be covered. it normally takes a week or two for most companies to get the card to you.

  5. I been trying to register my UHCCommuntyplan card been given that website and aarp/medicare with no avail the website says it doesn’t have my information on file. i would like to know the correct address for people with duel complete insurance i am trying to find a vison doctor in Baltimore, md or DC

  6. Rhonda, Do you have a local agent? That would be a good place to start. Or call an agent that represents AARP Medicare insurance to see if they can point you in the right direction.

  7. Neeeding knowledge the doctor I have been seeing for the past years under a nother insurance company is not listed in you plan for me I am wondering if I can still us him? please let me know

  8. Paul, You should call the member services number on your card to find out if he’s in network.

  9. I have been paying AARP for drug coverage for a long time and since I never seem to reach the “DEDUCTABLE” all my drugs are out of my pocket. I rec’d your booklet this week and
    find that my coverage will increase in 2016. Why should I keep paying AARP Rx for something there is no reimbursement for?????

  10. James, You can choose another Part D plan. If you find yourself needing many expensive drugs you’ll probably meet the deductible and be glad you’re covered.

  11. How does Medicare complete choice 2 compare to Medicare plan N?

  12. Delight, Medicare Complete 2 is a medicare Advantage Plan and Plan N is a Medicare supplement. These plans are different types of medicare coverage. Plan N pays for some covered expenses that your mother would be responsible for under medicare and Medicare Complete pays instead of Medicare.

    If you would like expert one-on-one help call PlanPrescriber at (888) 310-0376. They represent all plans and can help you understand what would be suitable for your mother. They can even get her enrolled. Or you can visit them online.

  13. I currently have AARP Medicare Complete. I would like to add a dental plan. I tried the web but it always takes me to the Medicare Advantage which I do not want. I have heard of the Platinum Dental plan but cannot find it/cost/ or what it covers. I live in NC 27587.

    Thanks, Craig

  14. Hi,
    Is there a supplemental insurance that I can purchase to cover the 20% that this plan does not cover? Please advise…

  15. Susan, If you are enrolled in any Advantage plan including AARP MedicareComplete you cannot also have a supplement. If you are covered by original Medicare you can choose from several standardized Medigap policies.

  16. Craig, You will probably need to purchase a stand-alone dental plan. Contact a local insurance agent and they should be able to help.

  17. Thanks for you reply David…need some more clarification:

    “Susan, If you are enrolled in any Advantage plan including AARP MedicareComplete you cannot also have a supplement. If you are covered by original Medicare you can choose from several standardized Medigap policies”

    I am currently enrolled in AARP MedicareComplete thru united healthcare…that means I CANNOT also have supplemental insurance? Can I purchase a medigap policy in addition to what I currently have or it’s the same as supplemental insurance?


  18. Susan, A Medigap policy, aka Medicare supplement, can only fill in the gaps of original Medicare. A Medicare Advantage plan takes the place of original Medicare. You cannot have both a supplement and an Advantage plan. They are two completely different types of plans. You could return to original Medicare by dropping the AARP Advantage plan and then buy a supplement. But, keep in mind if you are not in your Medigap Open Enrollment Period (different than Annual Enrollment for Advantage and Part D) or if you are not entitled to Guaranteed Issue Rights, you will be subject to medical underwriting. Check out this article. I hope I’ve clarified it for you. I appreciate your comments.

  19. David

    I noticed “Passport” only covers certain states, what if you need care in a state not under plan?

  20. Does my plan cover Silver Sneekers?

  21. My wife and I recently signed up for AARP United Healthcare Medicare coverage for 2016
    through an independent agent. Does AARP get any kickbacks from United Healthcare?
    We do not like AARP and like AMAC, but AMAC only offers Humana which is no longer
    honored at our medical provider for 2016.
    Thanks, Glen Zip 92373

  22. JE, If you would require emergency care in a non-passport State it would be covered. You would want to have any elective or routine visits done in a State that is included in the Passport program to get the in-network discounts.

  23. Pauline, Medicare Advantage Plans including AARP Medicare Complete can offer different benefits County by County. You can call the toll free number on the back of your card and request a Summary of benefits to see what’s covered by your specific plan.

  24. Glen, I’m sure that AARP is not lending their name and member list to United Healthcare without having their hand out.

  25. Please explain the function of Silverback which has suddenly appeared in the background of my AARP United Health Care Medicare Complete insurance. They seem to be arbitrarily interfering with my primary physician’s referrals for specialty physicians. I cannot get a satisfactory answer from them as to how they have the authority to decide whether or not my doctor’s orders are appropriate. They have delayed referrals for needed care with no reasonable explanation.

  26. Ranny, Not sure what you’re referring to. Wikipedia defines silverback as an adult male guerrilla. It’s also used as a derogatory term.

  27. I have found out that my b
    Humlog isn’t covered any longer. Humalin is but in 3 months just with that one medication alone will put me in the donut hole. And the price is 300.00. How is a diabetic 1 suppose to make?

  28. Ann, I’m sorry to hear that it’s not covered for 2016. This is an example of why you should compare plans every year during open enrollment. Check with you doctor to see if another type of insulin will work. If not, you can check with your local Area Council on Aging office to see if there are any programs offed by the drug’s manufacturer that may help off set the costs.

  29. My Mom is enrolled in a Medicare Complete Plan (HMO). She’s had the same physician for 25 years and now he is no longer in her network. My Mom is blind so browsing the internet is impossible. While searching for her, I keep hitting sites that are only advertising insurance quotes. All I need is a list of physicians in her network in the Chicago land area. Please help. I feel like the blind leading the blind.

  30. Alexis, Call the 800 number on the back of your Mom’s MedicareComplete card and ask for a provider directory. They should be able to mail you a hard copy or give you a URL to a provider directory. Also, keep in mind that the providers in the HMO network this year, may not be included next year. Costs, providers and benefits can change year to year with any Medicare Advantage plan. This is why you need to review your plan each year during the Annual Enrollment Period. I hope that helps.

  31. Is a referral required to see a specialist if you have AARP Medicare Complete?

  32. Paula, It depends on whether your plan is a HMO or PPO. If it’s a PPO which is typically the case, a referral is not required although you would want to stay in-network to get the lower copay or coinsurance amount. A HMO plan will require a referral.

  33. My eye doctor referred me to an ophthalmologist for cataract surgery. Called AARP Medicare Complete/United Health Care to find one in network. I live in NJ and the only ones I was given are in NY. Are there no services available in NJ?

  34. W.M.,You could call back and ask specifically about NJ. My guess is you got your answer. Certainly they know where you live when you gave them your member number.

  35. This plan sucks. They have cut 2 drugs for me that I need for diabetes and I just got off the phone with them and I have called them 4 times today. All I need is a printout saying for the food stamp office how much my premiums for the year are and proof of them. They said they could not help me and that I had to wait another month for the statement to print. The password they wanted me to make up and set up an account on the screen said it had to be over 50 characters long and the man at Customer service said that that was a lie and that their AARP exclusive site did not have that many password characters to set it up. It did and I was on the site over 2 hours. Now I am going into my 5th phone call and I still do not have what I need. This company last year in 2015 made over 2 trillion dollars in revenue yet their customer service call center cannot even help me as a customer. I hate your guts AARP. You do not care about me AT ALL as a customer and you argue with me as a customer. Again-I hate your GUTS AARP Medicare Complete. All I need is something simple as a simple statement and all you want to do is refer me to a one button and it is done internet that has math and calculus and things that old people like me cannot begin to understand. You guys do not give a GD about me as a customer at all. I need help and no one gives a damn enough to help me. Do not ever never never ever never never ever never ever never ever never waste your money on AARP Medicare Complete because they will not help you and will tell you like they argued with me today that they do not want to help you. I hate your guts AARP Medicare Complete with a passion.

  36. Pamela, And you’re shopping for a new plan now…. right?

  37. does medicare complete ever send out a letter advising insured is entitled up to $5,000 return with copy of medicare expenses paid by insured?

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