How to Sign Up for AARP Supplemental Insurance

Check Your Eligibility and Existing Coverage

Before you apply, confirm you are an AARP member or eligible to join. Review the Medicare plan you already have, since supplemental plans are designed to fill gaps in Original Medicare, not replace it. Gather your Medicare number, details about your current coverage, and a list of any other insurance you carry.

Choose the Type of Supplemental Plan

AARP offers several supplemental options, including Medigap policies and standalone dental, vision, and hearing plans. Decide which gaps you want to cover — such as copayments, deductibles, or services Medicare does not pay for — so you can narrow your choices before you start the signup.

Gather the Information You Will Need

Have the following ready before you begin your application:

• AARP membership number
• Medicare beneficiary identification number
• Details about your current Medicare plan and any other insurance
• Health information that may affect underwriting, if applicable

Some plans may require medical underwriting, while others have guaranteed-issue periods tied to your Medicare enrollment timing.

Complete the Application

You can sign up through the AARP website, by phone, or through a licensed insurance agent. On the AARP site, navigate to the supplemental insurance section, select the plan you want, and follow the prompts to enter your personal and Medicare details. Double-check every field before submitting.

Review and Confirm Your Enrollment

After you submit, review any confirmation email or letter from AARP or the insurance company. Verify that the plan name, coverage dates, and premium amount are correct. Keep a copy of your enrollment confirmation and note the effective date of your coverage.

What to Do After You Enroll

Once your supplemental plan is active, update your other insurance information if needed and check that your providers accept the new coverage. Set a reminder to review your plan annually during the Medicare Open Enrollment Period, since your needs may change.