Do all AARP Medicare Supplement Plans have the same coverage across the United States?

The correct answer is that benefits can vary by state. AARP Medicare Supplement Plans, also known as Medigap plans, follow federal guidelines but are regulated at the state level. This means each state has the authority to implement its own regulations regarding these plans, which can lead to differences in benefits and pricing.

For instance, some states may offer additional benefits or variations in coverage options that are not available in other states. Additionally, while the core benefits of Medigap plans are standardized (meaning, for example, that Plan A in one state has the same basic coverage as Plan A in another state), the availability of specific plans and any additional benefits can differ from one state to another.

In contrast, options suggesting that benefits are uniform across all states would disregard the variations allowed by state regulations. Similarly, the notion that coverage is determined only by individual insurers overlooks the fact that state regulations play a significant role in shaping the benefits offered under Medigap plans. The idea that only metropolitan areas would have this variance similarly misrepresents the broader state regulation framework that applies equally across urban and rural areas.