Jeffrey Wade
UnitedHealthcare is a popular health insurance company that offers a range of Medicare plans. Medicare is a government-provided health insurance program for individuals over 65 or those with qualifying disabilities or special circumstances. UnitedHealthcare provides Medicare Advantage plans, also known as Part C, which build upon the benefits of Original Medicare (Part A and Part B) by offering additional coverage for dental, vision, hearing, and prescription drugs. The company also offers Chronic Special Needs plans for individuals with qualifying chronic conditions and Medicare Supplement (Medigap) plans to cover out-of-pocket costs that Original Medicare doesn't pay. UnitedHealthcare's Medicare plans are endorsed by AARP, and the company is the top provider of Medicare plans in the nation.
| Characteristics | Values |
|---|---|
| Name of Insurance Plan | Medicare Advantage (Part C) |
| Insurance Provider | UnitedHealthcare |
| Availability | Available in all states/territories except ND, NY |
| Enrollment Requirements | Must be enrolled in Original Medicare (Part A and Part B) |
| Additional Benefits | Dental, vision, hearing, and prescription drug coverage |
| Plan Types | Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service (PFFS), Special Needs Plans (SNPs) |
| Costs | Premium, deductible, copayments, coinsurance |
| Low-Income Options | $0 premium for members with Extra Help (Low Income Subsidy) |
| Wellness Programs | Yes, including preventive care and wellness visits |
| App | Yes, the UnitedHealthcare app provides access to prescriptions, pharmacies, and plan benefits |
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What You'll Learn
AARP Medicare Supplement Insurance Plans
The AARP Medicare Supplement Insurance Plans are designed to help retirees who are enrolled in Medicare Parts A and B to manage the out-of-pocket costs associated with Original Medicare. These plans can help pay for some or all of the costs not covered by Original Medicare, such as coinsurance and deductibles. It is important to note that Supplement plans cannot be purchased in conjunction with Medicare Advantage (Part C) plans.
AARP Medicare Supplement plans offer a range of benefits to retirees. These plans provide coverage and care that are available throughout the United States, and some plans even offer coverage for travel outside the country. The plans are guaranteed for life as long as premiums are paid on time. Additionally, retirees can choose any doctor or hospital that accepts Medicare and can visit any specialist that accepts Medicare without a referral.
To enrol in an AARP Medicare Supplement Insurance Plan, you must be an AARP member. If you are not already a member, you can join AARP for a yearly fee of $20. In some states, these plans may be available to individuals under 65 who are eligible for Medicare due to disability or End-Stage Renal Disease.
For specific information about plans and pricing, you can refer to the UnitedHealthcare website or contact a licensed insurance agent in your area.
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Medicare Advantage (Part C) plans
Medicare Advantage plans include extra benefits such as dental, vision, and hearing coverage. Some plans also offer health and wellness benefits, like a gym membership. Most plans include Part D prescription drug coverage, also known as MAPD plans.
UnitedHealthcare offers several types of Medicare Advantage plans, including Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Private Fee-for-Service (PFFS) plans, and Special Needs plans (SNPs). The availability of these plans depends on where you live.
Medicare Advantage plans have a range of costs, including a monthly premium, a deductible, and cost-sharing such as copayments and coinsurance. Some plans have low or even $0 monthly premiums, while others have separate medical and prescription drug deductibles. It's important to understand the total cost and how it relates to the coverage you receive.
You can enrol in a Medicare Advantage plan during your Initial Enrollment Period (IEP) when you first become eligible. If you already have Medicare coverage and want to switch to a Medicare Advantage plan, you can do so during the Annual Enrollment Period (AEP) or the Medicare Advantage Open Enrollment Period (MA OEP).
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Chronic Special Needs plans (C-SNPs)
Qualifying conditions for C-SNPs include:
- Diabetes mellitus
- Chronic heart failure
- Cardiovascular disorders
- Bipolar disorder
- Major depressive disorder
- Schizophrenia
- Multiple sclerosis
- Parkinson's disease
- Stroke-related neurological deficits
The benefits of enrolling in a C-SNP include low-cost or no-cost medical assistance, monthly credits for over-the-counter products and healthy food, and access to a large national network of providers. Individuals with qualifying chronic conditions can take advantage of a one-time special enrollment period to enroll in a C-SNP at any point during the calendar year.
It is important to distinguish C-SNPs from Dual-Eligible Special Needs Plans (D-SNPs), which are targeted toward individuals who are dually eligible for both Medicare and Medicaid due to financial need. C-SNPs, on the other hand, are specifically designed for individuals with chronic health conditions.
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Medicare Supplement (Medigap) plans
Medicare Supplement insurance plans, also known as Medigap plans, are offered by private insurance companies to help cover some of the out-of-pocket costs that Original Medicare (Part A and Part B) does not pay for. These plans are designed to help individuals manage their medical expenses, especially those with frequent or costly medical needs, by reducing their out-of-pocket spending.
Medicare Supplement plans work in conjunction with Original Medicare, which includes Part A (hospital stays) and Part B (doctor visits). While Original Medicare covers a significant portion of healthcare costs, there are still out-of-pocket expenses that individuals are responsible for. For example, Medicare Part B typically covers about 80% of Part B expenses, leaving individuals to pay the remaining 20%. This is where Medicare Supplement insurance plans come into play, as they can help cover these remaining costs.
Each Medicare Supplement plan has a different monthly premium, which is the fee paid in exchange for coverage. Additionally, there is a deductible, which is a preset, fixed cost paid out-of-pocket before the Medicare Supplement plan begins to pay. Most Medicare Supplement plans cover the Part A hospital deductible, while individuals are usually responsible for the Part B deductible, which was $257 annually in 2025.
When choosing a Medicare Supplement plan, individuals should consider their health needs and budget. Plans with higher premiums, such as Plans G, C6, C1, F6, or F1, offer more comprehensive coverage and pay up to 100% of out-of-pocket costs for many Medicare-approved services. On the other hand, individuals who prefer a lower monthly premium can explore other plan options, such as Plans K and L, which have cost-sharing features. These plans pay a percentage of the coinsurance, and individuals pay the remaining amount. Once the out-of-pocket limit is reached, these plans cover 100% of approved services for the rest of the year.
It's important to note that the availability of Medicare Supplement plans depends on the state of residence, and enrollment may be restricted to individuals who were first eligible for Medicare before 2020. Additionally, to enroll in an AARP Medicare Supplement Insurance Plan, individuals must be AARP members.
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Medicare Part D prescription drug plans
Part D plans cover drugs on the plan's drug list, also called a formulary, as well as vaccines not covered by Medicare Part B and the types of drugs most prescribed for Medicare beneficiaries. They generally don't cover drugs prescribed for anorexia, weight loss or gain, fertility, erectile dysfunction, cosmetic purposes, or hair growth.
Standalone Part D plans charge a monthly premium and may also have an annual deductible, copays, and coinsurance. In 2025, the annual deductible limit set by Medicare is $590. When filling a prescription for a covered drug, you will usually pay a copayment (a set amount) or coinsurance (a percentage). The amounts can vary based on the drug tier, the pharmacy used, and whether you qualify for the Extra Help program.
UnitedHealthcare offers two Medicare Part D plans: AARP Medicare Rx Preferred and AARP Medicare Rx Saver. These plans may have different coverage levels, premiums, deductibles, and copayments.
To choose the right Medicare prescription drug plan, it is recommended to build a list of the medications you take and then estimate your drug costs for a specific plan based on that list. You can also consider other factors, such as included dental coverage, extra benefits, and low monthly premiums.
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