What Medicare Advantage Plans Does UnitedHealthcare Have?

Jory Cross by Jory Cross | Licensed since 2012
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This article was updated on: 10/21/2018

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If you are currently enrolled in Original Medicare (Part A and Part B), you may be interested in learning more about Medicare Advantage plans, which may cover Medicare benefits beyond the federal program. Unlike Original Medicare, Medicare Advantage plans provide all your coverage in one convenient plan, and many even offer additional benefits such as coverage for prescription drugs, routine vision, hearing, or dental services.

Also known as the Medicare Part C program, Medicare Advantage plans are offered through Medicare-approved private insurance companies like UnitedHealthcare (UHC). Here’s an overview of how Medicare Advantage plans work and the types of plan options that may be available in your area.

What UnitedHealthcare Medicare Advantage plans are available?

There are several different UHC Medicare Advantage plans to choose from, but not every plan option is available in every location. Each private insurance company contracted with Medicare decides which plans to offer in each state, and plan options and monthly premiums vary by location. Depending on where you live, the following UnitedHealthcare Medicare Advantage plans may be available:

UnitedHealthcare Medicare Advantage

Health Maintenance Organization (HMO) plans may be more affordable than other options because private insurance companies like UnitedHealthcare negotiate with a network of providers to treat plan members at reduced rates. Here are some features of HMOs you should know before selecting this plan:

  • You are expected to get your health care from in-network providers, or your plan may not cover you. However, if you need emergency care or urgent care services and you use non-network providers, you’ll still be covered.
  • You’ll need to choose a primary care doctor to oversee your medical care; most of the time, referrals are needed to see a specialist. It’s important to follow all plan rules, such as getting a referral or prior authorization, or you may have to pay the full cost of your care.
  • Most HMO plans include coverage for prescription drugs listed in their formulary, or list of covered medications. The HMO plan may change its formulary at any time, but you’ll be notified if needed.

UnitedHealthcare Medicare Advantage

A UHC Medicare Advantage Preferred Provider Organization, or PPO, plan is an appealing option for Medicare beneficiaries who want more flexibility in choosing health-care providers. Members enrolled in a UnitedHealthcare Medicare Advantage PPO can see any doctor and use any hospital they like, but if they use the plan’s network of preferred providers, they pay significantly less out of pocket for their care.*

Common features of a PPO include:

  • You do not need to choose a primary care doctor or get a referral to see a specialist.
  • Your out-of-pocket costs will usually be higher than with an HMO plan.
  • Most UHC Medicare AdvantagePPOs include prescription drug coverage for medications in their formulary.

Both HMOs and PPOs may include prescription drug benefits, but not every plan does. If you’re interested in having Part D coverage included in your plan, be sure to check that the UnitedHealthcare plan that you’re enrolling in is a Medicare Advantage Prescription Drug plan.

As mentioned, the biggest benefit of Medicare Advantage plans is that you may be able to get coverage for benefits that Original Medicare doesn’t normally cover, such as prescription drugs or routine vision benefits. If you’d like to learn more about UnitedHealthcare Medicare Advantage plans or other types of coverage, visit the UnitedHealthcare Medicare profile page for more information on coverage options that may suit your situation. Would you rather browse plan options right away? Just click the Find Plans button to get started.

*Out-of-network/non-contracted providers are under no obligation to treat Preferred Provider Organization (PPO) plan members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.

 

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