What Medicare Supplement Plans Does UnitedHealthcare Offer?

Jory Cross by Jory Cross | Licensed since 2012

This article was updated on: 05/28/2019

What is a Medicare Supplement plan?

As the name suggests, Medicare Supplement insurance, also known as Medigap, supplements your Original Medicare benefits by paying for all or part of your share of certain Part A and Part B health-care expenses. Depending on where you live, there may be up to 10 Medigap plans available, and benefits are standardized across most states (excluding Massachusetts, Minnesota, and Wisconsin, which standardize their plans differently).

Each plan type is labeled with a different letter of the alphabet (letters A through N), and plans of the same letter offer the same standardized benefits. In other words, a Plan C in California offers the exact same coverage as a Plan C in New York (although the monthly premiums may differ by location).

You’re eligible for Medicare Supplement insurance once you’re enrolled in Part A and Part B (although not every state offers Medigap plans to beneficiaries under 65). However, the best time to enroll in this coverage is during your Medigap Open Enrollment Period, which is the six-month period that starts once you have Part B and are 65 or older. During this period, you have guaranteed-issue rights, meaning you can’t be turned down for Medigap coverage because of pre-existing conditions or charged more because of your health status. After this six-month window has passed, insurance companies that offer Medicare Supplement plans may require medical underwriting and can deny you coverage if you have health problems. You may have more trouble enrolling in a Medigap plan for the first time or switching plans if you have healthissues and don’t have guaranteed-issue rights.

Please note that Medicare Supplement plans only cover costs you may have under Original Medicare. If you’re enrolled in a Medicare Advantage plan, you can’t use your Medigap coverage to pay for your Medicare Advantage plan costs.

What Medicare Supplement plans does UnitedHealthcare offer?

Depending on where you live, you may choose from one of seven plans currently offered by UnitedHealthcare. Unless otherwise listed, each plan offers full coverage of the following basic benefits, plus additional coverage described in more detail below:

  • Part A hospitalization coinsurance, plus hospital costs for up to an extra 365 days after Original Medicare benefits are exhausted
  • Part B coinsurance and/or copayments
  • Part A hospice coinsurance or copayment
  • First three pints of blood

UnitedHealthcare Medicare Supplement Plan A

This Medigap plan provides full coverage for the basic benefits listed above.

UnitedHealthcare Medicare Supplement Plan B

  • All Plan A benefits
  • 100% coverage of the Part A deductible

UnitedHealthcare Medicare Supplement Plan C

  • All Plan B benefits
  • 100% of Part A coinsurance for skilled nursing facility care
  • 100% of the Part B deductible
  • Foreign travel emergency health care, up to plan limits

UnitedHealthcare Medicare Supplement Plan F

Plan F also comes in a high-deductible version, where you’ll be responsible for all Medicare-covered costs until you reach the plan deductible amount (which may change from year to year). After you reach the deductible, Plan F will begin to cover costs.

Plan F covers:

  • All Plan C benefits
  • 100%  of Part B excess charges (the difference between the cost Medicare allows for a covered service and what your non-participating provider may charge you)
  • Foreign travel emergency coverage, up to plan limits

UnitedHealthcare Medicare Supplement Plan K and Plan L

Unlike most other Medigap plans that pay 100% of covered benefits, Medicare Supplement Plans K and L pay for a portion of some covered benefits (50% and 75%, respectively). Both plans include annual out-of-pocket caps on expenses.

Plan K

  • 100% coverage of Part A coinsurance and hospital costs for up to an extra year after Original Medicare benefits are exhausted
  • 50% of Part B coinsurance or copayment
  • 50% of the cost for the first three pints of blood
  • 50% of Part A hospice coinsurance or copayment
  • 50% Part A coinsurance for skilled nursing care
  • 50% Part A deductible
  • Annual out-of-pocket cap, which may vary from year to year

Plan L

Plan L covers the same benefits as Medigap Plan K, except that the benefits covered at a partial amount are covered at a higher amount (75% instead of 50%). Plan L includes a lower annual out-of-pocket cap than Plan K, which may vary from year to year.

UnitedHealthcare Supplement Plan N

  • All of the basic benefits listed above
  • 100% of the Part B coinsurance, except for copayments of up to $20 for some doctor visits and up to $50 copayment for emergency room visits that don’t result in an inpatient admission.
  • 100% of the Part A deductible
  • 100% of Part A coinsurance for skilled nursing care
  • Foreign travel emergency health care, up to plan limits

Plan benefits and costs may vary by location, and not all plans may be offered in every area.

If you have a lot of doctor visits or require certain outpatient services often, your copayments and coinsurance costs can quickly add up. Most of the UnitedHealthcare Medicare Supplement plans cover different levels of cost sharing to help you manage your out-of-pocket expenses.

Would you like to learn more about how to lower your Medicare medical costs? You can start by clicking on the UnitedHealthcare Medicare profile page. Or, if you’re ready to start comparing plan options, use the Find Plans button on this page to start browsing; it’s easy to use the tool to filter by coverage type and budget.

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