Is AARP Medigap Community Rated? 
Yes . The premiums for AARP Medigap plans -LRB- insured through United Healthcare -RRB- are determined using the community-rating method . This rating method says that the rates for everyone in a given area are the same for everyone , regardless of age - so someone who is 85 years old is paying the same rates as someone who is 75 years old . It 's a great option for individuals in their later years and those who have significant medical histories who would have difficulty in the future qualifying for other Medigap plans that base rates on the attained-age method . I hope the information is helpful - please feel free to contact me for your Medigap coverage needs , including providing quotes and plan comparisons , and if you have any other questions . Thanks very much . 