UnitedHealthcare Medicare Supplement Plans Beyond the Letter Chart: State Designs, SELECT and Under-65 Rules

In 47 states and Washington, D.C., UnitedHealthcare uses the federally standardized letters. Its plan page lists Plans A, B, G, K, L and N for anyone eligible, with Plans C and F limited to people first eligible for Medicare before 2020. Not every letter is offered in every state, so the quote screen for your ZIP code is the final word.

The policies are group coverage. UnitedHealthcare states that enrollment requires membership in its sponsoring organization, which costs $20 a year. That membership is not needed for UnitedHealthcare’s Medicare Advantage or Part D plans.

Massachusetts runs its own Medigap system under a federal waiver. Every carrier sells the same three designs, open enrollment is continuous all year, and premiums are community rated, meaning your age does not set your price. The Massachusetts Division of Insurance publishes every carrier’s rates side by side.

Source: Massachusetts Division of Insurance Medicare supplement product listing. Rates must stay in effect at least 12 months.

Supplement 1 adds the Part B deductible, so it follows the same pre-2020 rule as Plan F. Supplement 1A is the version open to everyone. Because Massachusetts allows enrollment year-round without health questions, residents can change carriers whenever a better rate appears.

Minnesota and Wisconsin also skip the letters. Minnesota’s design lets you start with a Basic Plan and add riders for the pieces you want covered. UnitedHealthcare’s Minnesota materials list these options:

Riders are available only with the Basic Plan. Source: UnitedHealthcare Minnesota plan materials.

Wisconsin works on a similar idea: a state-defined Basic Plan with optional riders. In both states, compare the total of Basic plus each rider’s cost against a single broader plan, because the riders are priced separately.

Our guide to Medicare Supplement coverage under 65 explains the state rules that decide whether you can buy at all.

Insurance regulators publish how much Medigap premium each company collects in their state. Those reports give a rough sense of how established a carrier is locally, which matters for rate history and claims handling. Two examples from 2024 data:

A large book of business in your state does not guarantee low prices. It does mean the company files rates there regularly, so your state insurance department will have a record of past increases you can request.

UnitedHealthcare offers wellness extras with some supplement plans, such as discounts on dental, hearing and vision services and gym memberships. Its own disclosures state that these extras are not insurance, are only for insured members, can vary by area and may be discontinued at any time.

If you are moving from a Medicare Advantage plan back to Original Medicare, read our page on switching from Medicare Advantage to Original Medicare first, since health questions may apply.