What Medicare Plans Does UnitedHealthcare Offer?

Pamela Cannaday by Pamela Cannaday | Licensed since 2011
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This article was updated on: 10/21/2018

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Are you new to Medicare or interested in exploring some of your Medicare coverage choices beyond Original Medicare? UnitedHealthcare offers a variety of Medicare plans, including Medicare Advantage plans, Medicare Part D prescription drug coverage, and Medicare Supplement (Medigap) plans. Depending on where you live and the plan options available in your area, you may be eligible to enroll in one of the following types of UnitedHealthcare Medicare plans.

Your eligibility may depend on the type of Medicare coverage you’re interested in. Here’s an overview of the different UnitedHealthcare Medicare plans that may be offered and how they work.

Does UnitedHealthcare offer Medicare Advantage plans?

The Medicare Advantage program, also known as Part C, offers an alternative way for you to get your Original Medicare benefits. Instead of getting them through the government-run health-care program, you’ll get the same Part A and Part B coverage through a Medicare Advantage plan, available through private insurance companies like UnitedHealthcare that are contracted with Medicare. Please note that hospice coverage is still covered through Part A of Original Medicare.

In addition, Medicare Advantage plans often come with extra benefits beyond Original Medicare. For example, UnitedHealthcare Medicare Advantage plans may include Part D prescription drug coverage; these plans are sometimes called Medicare Advantage Prescription Drug (MAPD) plans. UnitedHealthcare Medicare Advantage plans may also include coverage for routine vision, dental, and hearing care in addition to all the coverage provided under Original Medicare.

You’re eligible for Medicare Advantage plans if:

  • You have Part A and Part B.
  • You live in the service area of a Medicare Advantage plan.
  • You don’t have end-stage renal disease (note that there are some exceptions).

Depending on your location, the following plan options may be available:

  • UnitedHealthcare Medicare Advantage Health Maintenance Organization (HMO) plans. These plans require you to get all of your health-care services within your plan’s network (although you’ll still be covered for emergency or urgent care). As another option, some service areas offer HMO-POS (Point-of-Service) plans, which allow you to get certain services out of network (typically with higher cost sharing). A primary care physician (PCP) will manage most of your care, and you’ll need to get referrals to see a specialist.
  • UnitedHealthcare Medicare Advantage Preferred Provider Organization (PPO) plans. You may see any provider, but you save money using network preferred providers. You don’t need a referral before seeing a specialist.*
  • UnitedHealthcare Private Fee-for-Service (PFFS) plans. You may get care from any provider who accepts your plan’s terms and conditions, but providers have the option to decline to treat you, even if they accept Medicare. You’ll need to have your provider accept the plan on a case-by-case basis.
  • UnitedHealthcare Special Needs Plans (SNPs). These plans limit enrollment to people with certain disabling or chronic medical conditions; those who need nursing care at home or live in an institution; or individuals who are eligible for both Medicare and Medicaid. Plan benefits are tailored to meet the needs of its members, which may include special coordination services, provider networks, and/or wellness programs.

Most of the above types of plans may include prescription drug benefits, but you should always confirm with the specific plan you’re considering before enrolling. Not all plans may be available in all locations, and plan benefits and premiums may vary depending on where you live. You must continue to pay your Part B premium if you enroll in a United Healthcare Medicare Advantage plan (along with any premium required for your Part C coverage). Plans may include copayments, coinsurance, and/or deductibles.

Does UnitedHealthcare offer Part D prescription drug coverage?

Medicare prescription drug coverage is available through either a UnitedHealthcare Medicare Advantage plan with prescription drug coverage or a stand-alone Medicare Part D Prescription Drug Plan, which works alongside Original Medicare. These plans have different monthly premiums, copayments, coinsurance amounts, and deductibles, and may require you to get your medications from a network provider. All Medicare plans with prescription drug coverage use a formulary, or list of covered medications, to determine benefits, and your plan may change its formulary at any time, but it will notify you in writing before changes occur.

Keep in mind that not all UnitedHealthcare Medicare Advantage plans include prescription drug coverage, and stand-alone Part D prescription drug plans generally cannot be combined with most types of Medicare Advantage plans. If you want Part D coverage and you have Medicare Advantage, you should typically try to get it through a Medicare Advantage Prescription Drug plan. Medicare Prescription Drug Plans are designed to cover your Part D benefits if you have Original Medicare.

Does UnitedHealthcare offer Medicare Supplement (Medigap) plans?

Hopefully, you now have a better idea of the types of Medicare coverage that may be available to you. As an Original Medicare beneficiary, stand-alone Medicare Prescription Drug Plans may help with your medication costs, while Medigap coverage may help you manage some of the out-of-pocket expenses that Original Medicare doesn’t cover. Do you like the convenience of having all of your Medicare benefits under a single plan or want coverage for extra benefits like routine vision or dental? You might want to consider a UnitedHealthcare Medicare Advantage plan in that case.

*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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