For readers: Here is an interesting market share breakdown of the top medicare supplement insurance providers: UnitedHealth Care — 34%Mutual of Omaha — 10%HSCS — 5%Anthem — 5%Aetna — 4%CNO Financial — 3%Cigna — 2%Humana Group — 2%BCBS of MA — 2%BCBS ...

Great clarification, Thanks. I might add for other readers that joining AARP is not at all expensive and has many other benefits.

Unlike most Medigap insurers, who set premiums based on your current age (attained-age rating) or your age when you first buy the policy (issue-age), AARP/UnitedHealthcare uses community rating in most states except very few like Florida.

I live in Missouri and it is Not a community rated state? The respected resource link below may clear up some of the confusion on MediGap Plans: www.kff.org/medicare/issue-brief/medigap-enrollment-and-consumer-protections-vary-across-states/ 

United Healthcare/AARP – Discount Program     Age 65 and Older Only:  Beneficiaries who are WITHIN 3 years of their 65th birthday (or within 3 years of their Medicare Part B start date, if later) will pay the Base Rate reduced by the *Early Enrollmen...