UnitedHealthcare Medicare Plan Reviews | HelpAdvisor.com (2023)

UnitedHealthcare (UHC) is one of the two largest insurance companies in the world.1It is therefore understandable that millions of Medicare beneficiaries choose UHC for private Medicare insurance plans, such as Medicare Advantage plans (Medicare Part C), Medicare Part D prescription drug plans, or Medicare Supplement Insurance (Medigap) plans.


UnitedHealthcare Company Profile

UnitedHealthcare is the health insurance division of UnitedHealth Group. UnitedHealthcare offers group and individual health insurance and partners with more than 1.3 million physicians and health care providers in more than 6,500 facilities nationwide.


UHC Medicare Advantage planovi

Those looking to get a little more out of their Medicare coverage can choose a UnitedHealthcare Medicare Advantage plan. These plans offer all the same basic benefits as Medicare Part A and Part B, and most Medicare Advantage plans may offer some additional benefits not found in Original Medicare (Part A and Part B).

UnitedHealthcare offers Medicare Advantage plansin partnership with AARP. Many UHC Medicare Advantage plans (sometimes called Medicare health plans) may include coverage for routine dental and eye care, hearing aids, prescription drugs, and more. Some of the additional features you may find in a UHC Medicare Advantage plan may include:

  • Telehealth coverage so you can consult a doctor from home
  • Discounts on many non-prescription products and medicines
  • Membership in fitness programs for older people
  • $0 copay for primary care provider visits, lab tests and most generic prescription drugs
  • $0 monthly premium

UHC offers several different types of Medicare Advantage plans. Selection and availability may vary by location, but the types of UnitedHealthcare Medicare Advantage plans you may find may include some of the following types.

UHC Medicare Advantage HMO-planer

In a Health Maintenance Organization (HMO) Medicare plan, you will choose a primary care physician who will coordinate your care and who can refer you for specialist care within the UHC network of participating providers.

You are unlikely to get any coverage from an HMO plan if you seek care outside of the plan's network, except for emergency medical care.

UHC Medicare Advantage PPO planovi

A Preferred Provider Organization (PPO) Medicare plan is similar to an HMO, but may offer a little more flexibility to get some coverage for care outside the plan's network and less reliance on a primary care physician.

However, you typically pay lower out-of-pocket costs for covered care when you see a doctor or provider in the network.

UHC Plans for special needs

UnitedHealthcare also offers some Medicare Special Needs Plans (SNPs). These plans can be tailored to meet the specific health needs of people with or who have certain chronic health conditions.dual eligible for Medicare and Medicaidor who live in a nursing home or nursing home.

UHC PFFS Medicare Advantage planovi

Those in certain areas of the country may be able to enroll in a PFFS (Private Fee-for-Service) Medicare plan through UHC.

These plans may not have a designated provider network like an HMO plan, but the plan may instead reimburse Medicare-accepting health care providers who agree to the plan's terms. This can give users more flexibility to use multiple doctors.


UnitedHealthcare Part D Prescription Drugs

Consumers who do not receive Medicare prescription drugs through a Medicare Advantage plan can consider a Medicare Part D plan from UnitedHealthcare as an option.

Part D plans provide coverage for prescription drugs and can be used with Medicare Part A and Part B or with a Medicare Advantage plan that does not yet include Part D coverage.

UnitedHealthcare Part D plans - which are offeredin partnership with AARP– can cover both generic and branded drugs, varying from popular and commonly used drugs to certain rare specialty drugs. As with all Part D plans, UHC uses a tier system to categorize drugs, and each tier may contain different deductible amounts or copayment or coinsurance amounts.

UHC offers several Part D plansin many areas of the country. Depending on where you live, there may be a Medicare drug plan with a higher monthly premium but no annual deductible and lower deductibles. There may also be an option with a lower monthly premium but a higher deductible or co-payment.

Consumers can generally find a mix of options in the UnitedHealthcare Part D offering, and some of the features you might find include:

  • Coverage at thousands of pharmacies including Walgreens, Walmart, Costco and more
  • Increased savings at preferred pharmacy locations
  • Mail order service with up to 90 days supply of medicine delivered directly to your home
  • $0 co-pay and deductible for generic drugs

Formel UnitedHealthcare Medicare

Medicare Part D plans include a formulary or list of drugs covered by the plan. UnitedHealthcare's Part D plans can cover thousands of different drugs. You can search for drugs covered by AARP Medicare Plans from UnitedHealthcare to find out what your prescription costs may be.

You can also get help comparing Part D plan forms for Medicare drug plans where you live by calling and speaking with a licensed insurance agent or by requesting a free quote online.


UHC Medicare Supplement Plans

UnitedHealthcare also offers Medicare Supplement Insurance (Medigap) plans in partnership with AARP. These planshelp pay some Medicare expenseswhat you may face when you get Medicare-covered care, such as deductibles, copayments, and coinsurance.

UnitedHealthcare tilbyder 9 forskellige typer standardiserede Medigap-politikker.

Although the benefits of each type of plan are the same regardless of where it is purchased (for example, Plan A in New York offers the same benefits as Plan A in Florida), not all plans are guaranteed to be available in all locations.

The most popular Medigap plans sold by UnitedHealthcare are Plan F, Plan C, and Plan G.

Schedule top-up UHC Medicare F

Medigap Plan F is the only type of plan that provides coverage in all 9 benefit areas covered by Medicare Supplement Insurance. However, federal law prevents anyone who became eligible for Medicare on or after January 1, 2020, from enrolling in Plan F. This means that if you did not become eligible for Medicare until after that date, you cannot enroll in Plan F.

But if you were eligible for Medicare before 2020, you can sign up for Plan F if it's available where you live.

Schedule top-up UHC Medicare C

Plan C offers almost exactly the same coverage as Plan F, with the only exception that Plan C does not cover Medicare Part B co-pays. Like Plan F, Plan C is also only available to those who became eligible for Medicare before January 1, 2020.

Schedule top-up UHC Medicare G

Plan G contains all the same benefits as Plan F, with the only exception that Plan G does not cover the Medicare Part B deductible. Plan G is not subject to the enrollment limitations of Plan F and Plan C, so it remains a popular option among a wider range of recipients. This also means that it is quickly becoming the most popular Medigap plan available to new Medicare beneficiaries.

Other UnitedHealthcare Medicare Supplemental Insurance Plans

In addition to the three plans highlighted above, UnitedHealthcare also offers Plans A, B, D, K, L, and N in certain locations. Plan M is the only Medigap plan that UnitedHealthcare does not offer.

The chart below shows all the benefits of each Medicare Supplement Insurance plan. Note that not all subscription types listed are available where you live.

Medicare Supplement Insurance Plans 2022
Medicare Supplement BenefitsINBC1DF1GKLMN
Part A Co-insurance and hospital expenses
Part B co-insurance or co-insurance50 %75 %
The first 3 liters of blood50 %75 %
Part A – co-insurance or participation in hospice50 %75 %
Co-insurance of a specialist hospital50 %75 %
Medicare Part A deductible50 %75 %50 %
Medicare Part B deductible
Medicare Part B overpriser
Urgent abroad80 %80 %80 %80 %80 %80 %
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high-deductible plan that has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the remainder of the year. High-deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an annual limit of $6,620 in 2022. Plan L has an annual limit of $3,310 in 2022.
4. Plan N pays 100% of the Part B coinsurance, except for copayments of up to $20 for some office visits and up to $50 for emergency room visits that do not result in hospitalization.
Be inimage versionthis table.


UnitedHealthcare Medicare Plan Reviews

Each year, Medicare rates plans based on a 5-star rating system. The Centers for Medicare & Medicaid Services (CMS) rates all Medicare Advantage and Medicare Part D plans on a 5-star scale and also rates the insurance companies that provide these plans.

Medicare 2022 rated UnitedHealthcare 4 stars overall.

UnitedHealthcare also received an "A" rating for financial strength frombefore dinner The bestand is in 7th placefortune 500 list.


UnitedHealthcare Medicare Providers

Because it's such a large insurer, members usually have no problem finding a UnitedHealthcare Medicare provider wherever they go, although you should check the plan's terms and conditions to find out which doctors and providers are covered of your plan's network.

You can also useUnitedHealthcare Doctor Finder Toolto search for doctors and providers to find out if they are in your plan's network.

It is important to note that UnitedHealthcare Medigap plans are accepted by any healthcare provider that accepts Medicare.

Does UnitedHealthcare cover Medicare Vision?

Many UnitedHealthcare Medicare Advantage plans provide vision benefits that may include eye exams and coverage for glasses and contact lenses.

These plans may even include glaucoma screenings, annual diabetic retinal exams and cataract surgery.

Does UnitedHealthcare Medicare cover dental care?

Most UnitedHealthcare Medicare Advantage plans provide some dental coverage. A number of benefits may include:

  • Annual examinations
  • Teeth cleaning and fluoride treatment
  • X-zrake
  • Tooth extraction
  • Fillings and crowns
  • Orthodontics
  • Prosthesis
  • Emergency treatment
  • Oral surgery

Does UnitedHealthcare Medicare cover SilverSneakers?

UnitedHealthcare does not include SilverSneakers coverage in its Medicare Advantage plans. However, UHC Medicare Advantage plans may include membership in a similar program calledRenew active.

Renew Active is a fitness program with benefits for body and mind, available at thousands of gyms across the United States.


UHC Medicare phone number

If you already have a UnitedHealthcare Medicare plan and need help, call the number on your membership card or call toll-free at 1-800-721-0627 (TTY 711) from 7 a.m. to 10 p.m. CT, 7 days a week.

If you're ready to compare plans and find a UnitedHealthcare Medicare Advantage plan that's right for you, you can find plans online or call to speak with a licensed insurance agent.

1AM The best information services. (January 4, 2022). UnitedHealth Group and Allianz retained the first places in the ranking of the world's largest insurance companies by AM Best. https://news.ambest.com/PressContent.aspx?altsrc=2&refnum=31618.


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