The AARP and UnitedHealthcare Partnership
Many people are unaware that AARP is not an insurance company itself, but rather an organization that partners with insurance providers to offer co-branded products. In the case of Medicare Part D prescription drug plans, AARP has an exclusive partnership with UnitedHealthcare. This means all AARP-endorsed Part D plans are insured and administered by UnitedHealthcare. Understanding this relationship is the first step to navigating your options effectively.
UnitedHealthcare's AARP-Branded Plans
For 2025, UnitedHealthcare offers two main stand-alone prescription drug plans (PDPs) that carry the AARP brand: the AARP Medicare Rx Preferred and the AARP Medicare Rx Saver. These plans are available to eligible Medicare beneficiaries, regardless of whether they are AARP members, and provide coverage for a wide range of medications.
A Closer Look at the Plan Options
Choosing the right Part D plan involves comparing the costs and coverage to your specific needs. Here is a detailed look at the two options available through the AARP/UnitedHealthcare partnership.
AARP Medicare Rx Preferred
This plan is often the choice for those who need more extensive drug coverage. Key features include:
- A $0 annual deductible for covered prescription drugs in most of the U.S.
- A premium drug list, which generally covers a wider range of medications.
- Access to a broad pharmacy network, with over 65,000 retail locations.
- Potential for lower costs on Tier 1 and 2 medications when using the OptumRx® Home Delivery Pharmacy service.
AARP Medicare Rx Saver
The Rx Saver plan is typically for those who receive Extra Help from Medicare or are looking for a more cost-conscious option. Details include:
- A higher annual deductible, which was $590 in 2025.
- A standard drug list, with coverage for common generic and brand-name drugs.
- A robust pharmacy network, also offering access to lower cost-shares at preferred retail locations.
- Lower monthly premiums compared to the Preferred plan, which can be attractive for those with lower medication costs.
Key factors for comparison
To make an informed decision, it's essential to analyze what matters most for your situation. Factors like your current prescriptions, your preferred pharmacy, and your budget will all influence which plan is the better fit for you.
| Feature | AARP Medicare Rx Preferred | AARP Medicare Rx Saver |
|---|---|---|
| Annual Deductible | $0 in most states (for 2025) | $590 (for 2025) |
| Drug List | Premium list (extensive coverage) | Standard list (robust coverage) |
| Pharmacy Network | Broad network (65,000+ pharmacies) | Robust network (65,000+ pharmacies) |
| Ideal for | Those needing extensive drug coverage | Those receiving Extra Help or preferring lower premiums |
How to Choose the Right AARP Part D Plan
- Make a list of your prescriptions: Gather all your current medications, including dosages. The plan's formulary (drug list) is a key consideration, so you must verify your medications are covered.
- Use the online comparison tool: The AARP Medicare Plans website, powered by UnitedHealthcare, offers a tool to compare plans based on your ZIP code and specific prescriptions. This is the most accurate way to see your potential out-of-pocket costs.
- Evaluate your cost structure: Consider the total cost, not just the monthly premium. A plan with a low premium but a high deductible and expensive copays might cost you more in the long run than a higher-premium plan with better drug coverage.
- Check your pharmacy: Confirm that your preferred pharmacy is in the plan's network, especially its preferred network, to get the lowest possible cost-shares.
The Role of Formularies and Tiers
Every AARP/UnitedHealthcare Part D plan has a formulary that organizes drugs into different cost-sharing tiers. Generally, drugs in lower tiers (like Tier 1: Preferred Generic) have a lower copayment, while drugs in higher tiers (like Tier 4: Non-Preferred) have higher copayments or coinsurance. Regular review of your plan's formulary is crucial, as drug costs and tiers can change annually.
For more information on comparing your coverage options, you can use the official resource from the Centers for Medicare & Medicaid Services at Medicare.gov.
Annual Enrollment and Making Changes
Medicare's Annual Election Period (AEP), from October 15th to December 7th each year, is the main time for making changes to your plan. This is when you can enroll in a new Part D plan, switch between the AARP options, or change to a different carrier's plan. It is the perfect time to re-evaluate your prescription needs and budget to ensure you have the best coverage for the upcoming year.
Conclusion: Finding the right coverage is a personal journey
In summary, yes, AARP does offer a Part D plan through its trusted partnership with UnitedHealthcare. While AARP provides the brand, UnitedHealthcare is the insurer. For eligible individuals, there are two stand-alone options available—the Medicare Rx Preferred and Medicare Rx Saver—with differing costs and benefits. The right choice depends on your specific medication needs and financial considerations. By carefully comparing the formularies, networks, and overall costs, you can select the plan that offers the best prescription drug coverage for your healthy aging journey.
