When we retired and we were looking for supplemental insurance to Medicare, AARP/UnitedHealthcare had one of the best plans available. We joined then and have kept that coverage. Good thing too. Almost as soon as we retired, between my wife and I, we racked up spinal surgery, rotator cuff surgery, surgery for metastatic breast cancer with associated radiation, chemo and hormone therapy, plus all the associated physical and lymphedema therapies. Then on top of it all, we both had to undergone rabies protocol for a bat exposure, $23,000 for the two of us but totally covered by insurance.