When it comes to choosing a Medicare Supplement Insurance plan (also known as Medigap) in 2025, two of the most popular and trusted names are Blue Cross Blue Shield (BCBS) and AARP Medicare Supplement Plans (insured by UnitedHealthcare).
While both companies offer standardized Medigap plans (like Plan G and Plan N), they differ in pricing structure, enrollment benefits, customer service, and extra features. This side-by-side comparison will help you decide which insurer fits your Medicare coverage needs best.
What Is a Medicare Supplement Plan?
A Medicare Supplement (Medigap) plan helps pay for the “gaps” in Original Medicare, including:
- Copayments
- Coinsurance
- Deductibles
- Foreign travel emergency care
These plans are standardized in most states, meaning Plan G from one insurer covers the same basic benefits as Plan G from another—but pricing, customer experience, and extra perks can vary.
Company Overview
Blue Cross Blue Shield (BCBS)
Blue Cross Medicare Supplement Plans are offered through independent BCBS affiliates such as Anthem, BCBS of Texas, BCBS of Michigan, and others.
Highlights:
- Available in most states (plan availability varies by state and affiliate)
- Offers Plans A, G, N, F (if eligible), High-Deductible G
- Strong relationships with local doctors and hospitals
- Nonprofit, regional focus in most states
AARP Medicare Supplement (Insured by UnitedHealthcare)
AARP Medicare Supplement Plans are insured exclusively by UnitedHealthcare, the nation’s largest Medicare Supplement provider.
Highlights:
- Nationally available in all 50 states
- Endorsed by AARP (membership required)
- Offers all standardized plans (A, G, N, F, High-Deductible G)
- Streamlined online experience and strong brand trust
Side-by-Side Comparison: AARP vs Blue Cross Medicare Supplement
| Feature | AARP Medicare Supplement (UHC) | Blue Cross Blue Shield Medicare Supplement |
| Plan Availability | All 50 states | Varies by state affiliate |
| Most Popular Plan | Plan G | Plan G |
| Household Discount | Yes (up to 5% in most states) | Yes (5–15% depending on state/affiliate) |
| Community Rating | Available in many states | Depends on affiliate (community or attained age) |
| Foreign Travel Emergency | Included in Plans G, N, F | Included in Plans G, N, F |
| Guaranteed Renewability | Yes | Yes |
| Online Tools | Excellent (UHC/AARP portal) | Varies by BCBS company |
Verdict: AARP/UnitedHealthcare offers consistency across states, while BCBS plans may be better priced or offer deeper discounts depending on your region.
Pricing Comparison (2025 Averages)
Note: Actual premiums vary by ZIP code, age, gender, tobacco use, and rating method.
| Plan Type | AARP (UHC) – Plan G | Blue Cross – Plan G |
| Age 65 (Male, Non-smoker) | $130–$170/month | $135–$185/month |
| Age 70 (Female, Non-smoker) | $115–$160/month | $120–$175/month |
| High-Deductible G Option | Available (~$40/month) | Available (~$45/month) |
Verdict: AARP often has lower or mid-range pricing, but BCBS may offer more competitive rates with state-specific discounts.
Enrollment Requirements
| Feature | AARP (UHC) | Blue Cross Blue Shield |
| AARP Membership Required | Yes (~$16/year) | No |
| Medical Underwriting | Yes, unless enrolling during Medigap OEP | Yes (same federal rules apply) |
| Guaranteed Issue Rights | Yes, during Open Enrollment & special circumstances | Yes |
| Online Enrollment | Yes – quick and user-friendly | Available (varies by affiliate) |
Verdict: AARP/UnitedHealthcare has a more streamlined and consistent enrollment process, especially for first-time enrollees.
Extra Perks & Discounts
| Benefit | AARP Medicare Supplement (UHC) | Blue Cross Medicare Supplement |
| Gym/Fitness Program | Renew Active® – included | SilverSneakers® or equivalent (varies) |
| Vision/Dental Discounts | Yes – via UHC discount programs | Yes – varies by region |
| 24/7 Nurse Line | Yes | Yes (in many BCBS plans) |
| Hearing Aid Discounts | Yes – through partner programs | Yes – varies by affiliate |
Verdict: AARP/UnitedHealthcare includes consistent wellness and fitness benefits, while BCBS extras vary by region but may be better in select areas.
Customer Satisfaction & Ratings
| Category | AARP Medicare Supplement | Blue Cross Blue Shield |
| J.D. Power Satisfaction (2024) | Above average (UHC ranked high) | Varies by BCBS affiliate |
| Claims Processing | Fast and reliable | Reliable – regional processing |
| Customer Service | Nationally standardized | Strong local service teams |
Verdict: AARP/UnitedHealthcare offers national consistency, while BCBS is often praised for strong local customer support.
Pros and Cons
AARP Medicare Supplement (UnitedHealthcare)
Pros:
- Nationwide availability
- Consistent pricing and member experience
- AARP-branded trust and member benefits
- Strong online tools and enrollment support
Cons:
- Requires AARP membership (small fee)
- May not be the cheapest option in all states
Blue Cross Medicare Supplement
Pros:
- Strong regional presence and provider relationships
- Potentially deeper household and community discounts
- Local customer service and office access
Cons:
- Availability and benefits vary by affiliate/state
- May require more research to compare plans and rates
Which Should You Choose?
Choose AARP Medicare Supplement if:
- You want nationwide consistency and brand trust
- You prefer easy enrollment and strong digital tools
- You’re already an AARP member or plan to join
- You value Renew Active® and streamlined benefits
Choose Blue Cross Medicare Supplement if:
- You want strong local provider relationships
- You live in a state where BCBS offers low Medigap premiums
- You prefer regional customer service and in-person support
- You qualify for special discounts not available from other insurers
Final Thoughts
Both AARP Medicare Supplement (UnitedHealthcare) and Blue Cross Blue Shield Medigap plans offer excellent choices for Medicare beneficiaries in 2025. While the coverage is standardized, pricing, experience, and extras can vary.
Before choosing:
- Get quotes for your ZIP code and age
- Compare Plan G or Plan N from both providers
- Ask about household discounts, rate increases, and customer service options
Enrolling during your 6-month Medigap Open Enrollment Period ensures you avoid medical underwriting and get the best rate available.