Types of UnitedHealthcare Plans
Medicare Advantage (Part C) Plans
One plan. Comprehensive coverage.
Medicare Advantage plans combine the coverage of Original Medicare Parts A and B with extra benefits you can't get from Medicare alone.
What do Medicare Advantage (Part C) plans cover?
- All the benefits of Medicare Part A*
- All the benefits of Medicare Part B
- Most include prescription drug coverage
- Most have extra benefits you can't get from Medicare Parts A and B, such as:
- Routine dental care
- Eye exams, eyeglasses, and corrective lenses
- Hearing tests and hearing aids
- Wellness programs and fitness memberships
- Plan options with and without provider networks
- Limitations on annual out-of-pocket costs for Medicare-covered services
- Premiums to fit different budgets
* Even if you have a Medicare Advantage plan, hospice care will still be paid for you by Original Medicare Part A.
What types of Medicare Advantage (Part C) plans are there?
Coordinated Care Plans
Many Medicare Advantage plans are coordinated care plans. Coordinated care plans have a network of providers. If you use the plan's network providers, you generally pay less out-of-pocket for care.
Health Maintenance Organization (HMO) plans
HMO plans use a network primary care provider to help coordinate care. HMO plans usually only pay for providers in the plan network.
Point of Service (POS) plans
POS plans have the benefits of an HMO, but with more flexible provider choice. Costs are generally lower for using in-network providers.
Preferred Provider Organization (PPO) plans
PPO plans cover both in and out of network. These plans pay a portion of the cost for using an out-of-network provider.
Special Needs Plans (SNPs)
Special Needs Plans have benefits that cover special health care or financial needs. All SNPs include prescription drug coverage.
- Dual-Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid (called "dual eligible")
- Chronic Special Needs Plans (C-SNPs) for people living with severe or disabling chronic conditions
- Institutional Special Needs Plans (I-SNPs) for people who live in a skilled nursing facility
- Institutional-Equivalent Special Needs Plans (IE-SNPs) for people who live in a contracted assisted living facility and need the same kind of care as those who live in a skilled nursing facility
Other types of Medicare Advantage (Part C) Plans
If you want more freedom in health care providers or payment options, there are two other types of Medicare Advantage plans to consider.
Private Fee-For-Service (PFFS) plans
PFFS plans may or may not have a provider network, but cover any provider who accepts Medicare. If the plan doesn't include prescription drug coverage, you can also enroll in a standalone Part D plan separately.
Medical Savings Account (MSA) plans
MSA plans combine a high-deductible health plan with a savings account. Medicare deposits funds that are withdrawn tax free to pay for qualified health care services. You can see any provider you choose. MSA plans don't cover prescription drugs, but you can enroll in a standalone Part D plan separately.
Read Next:
Medicare Supplement Insurance Plans
UnitedHealthcare and AARP Medicare Plans
See all of the Medicare Advantage, Medicare Prescription Drug, and Medicare Supplement plans where you live.
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UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
AARP® encourages you to consider your needs when selecting products and does not make product recommendations for individuals.
Please note that each insurer has sole financial responsibility for its products.
AARP® Medicare Supplement Insurance Plans
AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company.
Insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103 (available in all states/territories except ND, NY) or UnitedHealthcare Insurance Company of America, 1600 McConnor Parkway, Floor 2, Schaumburg, IL 60173 (available in AR, AZ, IL, IN, MS, NC, ND, NJ, OH, PA, SC, TN, TX) or UnitedHealthcare Insurance Company of New York, 2950 Expressway Drive South, Suite 240, Islandia, NY 11749 (for NY residents). Policy Form No. GRP 79171 GPS-1 (G-36000-4).
In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
You must be an AARP member to enroll in an AARP Medicare Supplement Plan.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER ABOVE.
Medicare Advantage plans and Medicare Prescription Drug plans
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan's contract renewal with Medicare. You do not need to be an AARP member to enroll in a Medicare Advantage plan or Medicare Prescription Drug plan.
This information is not a complete description of benefits. Contact the plan for more information.
WB26624ST (07-19)