I think you are assuming a different angle than what they are saying.
I believe the
...AARP's enrollment page FAQ is explicit about the discount being age 65 and not when first eligible for Medicare.
is to differentiate out the disabled people who are on pre-age 65 Medicare coverage. They have their own distinct applicable rate tables for AARP/UHC Medigap coverage for below age 65.
I think you will be fine. If AARP/UHC was doing what you are concerned about, they would be shut out of the lucrative new to Medicare folks.
I transferred over to AARP/UHC Plan N from another insurance company when I was a month or two short of turning 66. But when I signed up for the other companies plan, I was actually 64, but coverage wouldn't begin until the first of the month that I turned 65. At the first of that month, I was still 64. For starting coverage, Medicare uses the month that you turn
65, not your actual birth date in that month.