UnitedHealthcare 2025 Medicare Advantage Plans Deliver Choice, Stability

• 140 new UnitedHealthcare Medicare Advantage plan options available to consumers
• Expanding plans designed to help lower the cost of care for people managing chronic conditions
• More people choose UnitedHealthcare for Medicare Advantage than any other company¹

(Oct. 1, 2024) – UnitedHealthcare® today introduced its 2025 Medicare Advantage plans, featuring more choice, broad access to care and stability in the most popular benefits to meet the evolving and varied needs of Medicare consumers.

UnitedHealthcare Medicare Advantage plans will continue to reach 96% of Medicare consumers with benefits designed to meet the broad needs of individuals nationally. Highlights of UnitedHealthcare 2025 individual Medicare Advantage plans include:

More coverage choices to meet diverse needs

UnitedHealthcare is introducing 140 new plans for 2025, many of which offer new designs and benefits more tailored to specific consumer populations and needs.

• UnitedHealthcare’s footprint of America’s most-chosen Dual Special Needs Plans (D-SNPs) will expand to reach 135,000 additional dual-eligible consumers. When including all products designed for this population, UnitedHealthcare will reach 93% of those eligible, offering benefits that matter most to them and helping to position the company to serve these consumers long term. Benefits may include:
  • Credits to help pay for over-the-counter (OTC) products and healthy food – enabled with the UnitedHealthcare UCard®.
  • $0 copays for all covered prescription drugs on most plans.
  • $0 annual physical exams, $0 lab tests and $0 preventive care.
  • $0 copay for virtual medical and mental health visits.
  • Rewards for physical activity, an annual wellness visit and more.
• Meanwhile, the company’s footprint of Chronic Special Needs Plans (C-SNPs) will nearly double to reach 70% of people who can enroll in these plans (more than 23 million additional consumers) – those living with severe or disabling chronic conditions, including diabetes, chronic heart failure and cardiovascular disease. This significant expansion will mean more affordable coverage options for members with these qualifying conditions. UnitedHealthcare C-SNPs offer lower average copays on benefits that are more highly utilized when compared to standard (i.e., non-SNP) plans, including specialist visits and prescription drug use. UnitedHealthcare C-SNP plans will also feature benefits like:
  • Monthly credit to pay for OTC products and healthy food.
  • $0 copays on dental, vision and hearing exams.
  • $0 diabetic supplies from Optum® Home Delivery Pharmacy, plus coverage for footcare and diabetic shoes.
  • $25 or less for one-month supply of covered insulin.
  • $0 annual physical exams, $0 lab tests and $0 preventive care.
• The UnitedHealthcare standard plan portfolio will include new options in select markets that prioritize medical or ancillary benefits, along with a new plan that gives eligible members a quarterly credit that can be used to lower and even eliminate out-of-pocket costs for Medicare-covered Parts A and B services. Benefits available across non-SNP plans may include:
  • $0 annual physical exams, $0 lab tests and $0 preventive care.
  • $0 copays on dental, vision and hearing exams.
  • $0 copays on hundreds of prescription drugs, at the pharmacy or by mail.
  • $0 copay for virtual medical and mental health visits.

Benefit stability, ease where it matters most to members

• Savings: Most members will have stability in specialist and pharmacy copays plus industry-leading prescription drug coverage. Additionally, members will have options for plans with low and $0 premiums, $0 primary care copays, coverage for routine vision, dental and hearing care, plus a free gym membership.
• Access: Members may again access Medicare Advantage’s largest national provider network² through UnitedHealthcare, available across more plans and reaching nearly 96% of individuals eligible for Medicare in the company’s coverage area.
  • Members in plans that have access to the UnitedHealthcare National Network can see any of more than 1 million network providers, whether in their neighborhood or away from home.
  • Members will also experience an enhanced, more intuitive provider search function to guide them in finding the right care.

• Formulary Strength & Rx Savings: Each year, the Medicare Advantage formulary evolves to maintain broad therapeutic coverage for the diverse Medicare population and to deliver consistent quality with the most cost-effective options.
  • The company’s Medicare Advantage formulary will cover more of the most-used tier 1 prescriptions than any national competitor.³
    • All covered generic adherence medications will remain covered in tier 1 on our MAPD formulary.
    • The top 20 most commonly used generics, particularly those essential for managing chronic conditions such as heart disease and diabetes, will be available on tier 1. And members will have tier 2 coverage for four commonly used non-Medicare covered drugs (generic Viagra, folic acid, vitamin D, vitamin B12).
  • All members will have $0 tier 1 and tier 2 copays with Optum Home Delivery Pharmacy.
  • A month supply of covered Part D insulin is $35.
  • Members may get a 100-day prescription drug supply for prescriptions on tiers 1-3.
• UnitedHealthcare UCard®: The UCard is the all-in-one access point for members to use their benefits – including all the features of a traditional health ID card and much more. To date in 2024, members have completed more than 71 million transactions in-store and online – spending more than $3.3 billion on their health and well-being.
  • For 2025, the UCard will transition from a scannable barcode to magstripe technology on most plans, allowing members to swipe their card just like they swipe their personal debit or credit cards, creating a more intuitive and secure experience.

Important specialty benefits and other plan features bring value, coverage not offered by Original Medicare

• Dental: UnitedHealthcare standard Medicare Advantage plans offer preventive dental coverage for exams, routine cleanings, X-rays and fluoride at a $0 copay, with many plans offering comprehensive dental coverage included in the plan or as an optional add on.
• Hearing: UnitedHealthcare standard Medicare Advantage plans cover more than 2,000 hearing aids and devices. All full dual members will retain $0 hearing exams and an allowance for hearing aids through their UnitedHealthcare D-SNP plan or state Medicaid program.
• Vision: Members with a vision benefit will maintain $0 annual eye exams, and the average eyewear allowance will increase by $20 for frames or contacts, with standard lenses continuing to be covered in full.
• Rewards: The rewards program helps support overall plan value and experience while encouraging healthy activities like getting an annual wellness visit, completing a health assessment or connecting with others. Members can use their UCard to spend earned rewards on eligible items at participating retailers in-store or online.

Medicare Annual Enrollment runs from Oct. 15 to Dec. 7. As the only company to offer Medicare plans with the AARP name, and as the nation’s largest Medicare Advantage, D-SNP and Medicare Supplement carrier, UnitedHealthcare serves 1 in 5 Medicare beneficiaries, or over 13 million people, through a portfolio of products that include Medicare Advantage, Medicare Part D, Medicare Supplement and retiree services.⁴