See how UHC stacks up against Mutual of Omaha and other carriers we represent, side by side. No pressure, no obligation.
Prefer to talk? Call 833-265-9655 to reach a licensed agent.
Lehigh Partners Senior Benefits is an independent insurance agency, not UnitedHealthcare, AARP, or a government agency.
Same standardized benefits, different company. What changes is the price and the terms.
| What varies | UHC (AARP) | Other carriers we represent |
|---|---|---|
| Plan G / Plan N benefits* | Same by plan letter | Same by plan letter |
| Monthly premium | Varies by ZIP | Varies by ZIP |
| Membership required | AARP membership | Usually none |
| Rating method | Confirmed at quote | Varies by carrier |
| Household / payment discounts | Varies by state | Varies by carrier |
| Extra member services | May include wellness extras | Varies by carrier |
| Availability | Confirmed at quote | Confirmed at quote |
*Where federal Medigap standardization applies. Massachusetts, Minnesota, and Wisconsin standardize differently. AARP membership is generally required to enroll in AARP plans.
Available plan letters vary by state, ZIP code, and eligibility. Compare all plan letters or start with Plan G.
Start with your state, then open any topic for the full detail.
We’re licensed in 21 states. Choose yours to see what applies where you live.
ArizonaOpen enrollment is your key window
Arizona has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Arizona details for your ZIP code with your quote.
Arizona has no state requirement for insurers to sell Medigap to people under 65 on Medicare, so options for younger enrollees depend on each insurer.
ArkansasOpen enrollment is your key window
Arkansas has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Arkansas details for your ZIP code with your quote.
CaliforniaBirthday rule
Each year you get a 60-day window tied to your birthday to switch to a Medigap plan with equal or lesser benefits, with any insurer, without health questions.
Already on a Medigap plan? We can re-shop UHC and other carriers for you in that window every year.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current California details for your ZIP code with your quote.
ColoradoOpen enrollment is your key window
Colorado has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Colorado details for your ZIP code with your quote.
FloridaOpen enrollment is your key window
Florida has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Florida details for your ZIP code with your quote.
KansasOpen enrollment is your key window
Kansas has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Kansas details for your ZIP code with your quote.
LouisianaBirthday rule
Each year you get a window after your birthday to switch to a plan with equal or lesser benefits without health questions, generally limited to your current insurer or its affiliates.
Because the yearly switch generally stays with your current insurer, choosing the right carrier up front matters more.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Louisiana details for your ZIP code with your quote.
MarylandBirthday rule
Each year you get a 30-day window starting on your birthday to switch to a plan with equal or lesser benefits, without health questions.
Already on a Medigap plan? We can re-shop UHC and other carriers for you in that window every year.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Maryland details for your ZIP code with your quote.
MichiganOpen enrollment is your key window
Michigan has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Michigan details for your ZIP code with your quote.
MissouriAnniversary rule
Each year you get a window around your policy’s anniversary date to switch to the same plan letter with another insurer, without health questions.
Already on a Medigap plan? We can re-shop UHC and other carriers for you in that window every year.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Missouri details for your ZIP code with your quote.
MontanaOpen enrollment is your key window
Montana has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Montana details for your ZIP code with your quote.
New JerseyOpen enrollment is your key window
New Jersey has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current New Jersey details for your ZIP code with your quote.
North CarolinaOpen enrollment is your key window
North Carolina has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current North Carolina details for your ZIP code with your quote.
OhioOpen enrollment is your key window
Ohio has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Ohio details for your ZIP code with your quote.
Ohio has no state requirement for insurers to sell Medigap to people under 65 on Medicare, so options for younger enrollees depend on each insurer.
OregonBirthday rule
Each year you get a window from about 30 days before to 30 days after your birthday to switch to a plan with equal or lesser benefits, without health questions.
Already on a Medigap plan? We can re-shop UHC and other carriers for you in that window every year.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Oregon details for your ZIP code with your quote.
PennsylvaniaOpen enrollment is your key window
Pennsylvania has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s Pennsylvania materials describe these discounts and an initial rate guarantee. We verify current availability for your ZIP code and effective date.
From Pennsylvania-specific UnitedHealthcare materials supplied to us. Eligibility, combinations of discounts, plan availability and terms must be confirmed with a current quote.
South CarolinaOpen enrollment is your key window
South Carolina has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current South Carolina details for your ZIP code with your quote.
South DakotaOpen enrollment is your key window
South Dakota has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current South Dakota details for your ZIP code with your quote.
TennesseeOpen enrollment is your key window
Tennessee has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Tennessee details for your ZIP code with your quote.
TexasOpen enrollment is your key window
Texas has no annual Medigap switching window. Your six-month Medigap Open Enrollment Period is when you can buy any plan without health questions. After that, changing plans usually means medical underwriting unless you have a guaranteed-issue right.
Because switching later can be harder, comparing UHC with other carriers before you first enroll matters most here.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Texas details for your ZIP code with your quote.
VirginiaBirthday rule
Since July 1, 2025, you get a 60-day window starting on your birthday to switch to a policy with the same benefits from any insurer in Virginia, without health questions.
Already on a Medigap plan? We can re-shop UHC and other carriers for you in that window every year.
UHC’s plan letters, rating method, and household or payment discounts are filed state by state. We pull the current Virginia details for your ZIP code with your quote.
Our agents are licensed in 21 states. Call 833-265-9655 and we’ll tell you right away whether we can help where you live.
State rules summarized from state insurance department and consumer guidance as of September 2026. Rules change, so we confirm the current rules for your state before you apply.
Benefit categories reflect standardized federal Medigap rules described at Medicare.gov’s Medigap benefit comparison. Deductible amounts and foreign travel limits change periodically. See the full Plan G guide.
These are additional insured-member services apart from the standardized Medicare Supplement insurance benefits, are not insurance programs, are subject to geographic availability, may be provided by third parties not affiliated with UnitedHealthcare Insurance Company, and may be discontinued at any time. None of these services are a substitute for the advice of a doctor or should be used for emergency or urgent care needs. A licensed agent can confirm which, if any, additional services apply to a specific plan and ZIP code at the time of quote.
Learn how Medicare Supplement premium increases work and why the same coverage can cost less elsewhere.
Market-share source: uhcmedsupstats.com. The 94% renewal figure is reported in UnitedHealthcare’s supplied plan materials; its underlying footnote was not supplied. These figures do not guarantee future results or suitability.
David Scallion, Gina Chandler, and Danny Rodriguez. Real people, not a call center. By phone, video, or in person.
UHC’s quote next to Mutual of Omaha and other carriers we represent, for your ZIP code.
Membership requirements, rating method, and future premium increases, before you apply.
We can assist with your application where our agents are licensed and appointed and the plan is available where you live. There is no separate consultation fee for our assistance. If you enroll through us, we may be compensated by the insurance company.
“I contacted Dave Scallion about applying for Medicare after being referred to him by a friend. Dave helped me understand Medicare Part B, C, and D, plus the various supplement plans, and presented me with scenarios that projected monthly and annual costs. He was patient answering all my questions.”
“Dave was very helpful in finding me the best product to meet my needs at the lowest cost. He was very efficient, thoughtful and available. The process was painless.”
“I live in Shrewsbury, PA, and David was able to set up my complete health insurance without me traveling. He is very knowledgeable about the plans available and is an expert on Medicare.”
Common Questions
This is a solicitation of insurance. Contact may be made by a licensed insurance agent.
Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.
Lehigh Partners Senior Benefits is an independent, licensed insurance agency and is not affiliated with, endorsed by, or sponsored by AARP or UnitedHealthcare. AARP licenses its name to the AARP Medicare Supplement Insurance Plans; UnitedHealthcare Insurance Company is the insurer. AARP and UnitedHealthcare trademarks are the property of their respective owners and are referenced here for informational and comparison purposes only. Plan availability, benefits, premiums, underwriting, additional insured-member services, and enrollment rules vary by carrier, state, and individual circumstances, and are confirmed at the time of quote. This page is educational and does not guarantee acceptance, savings, plan availability, or pricing. Calling the number on this page will connect you with a licensed insurance agent. We do not offer every Medigap plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP) for information on all available options.
