AARP® MedicareComplete and other Medicare Advantage Plans from UnitedHealthcare
One plan. One simple way to get coverage.
Medicare Advantage (MA) plans offer all the benefits of Original Medicare (Part A and Part B). Medicare Advantage Prescription Drug (MAPD) plans also include Part D prescription drug coverage.
Many plans also include extra benefits like:
- routine hearing, dental and vision care
- a fitness program
- wellness services
- a nurse helpline
An MA plan is a good choice if you'd like coverage beyond what Original Medicare provides, but don't need prescription drug coverage.
An MAPD plan is a good choice if you want all the benefits offered by an MA plan PLUS Part D prescription drug coverage in one convenient plan.
The AARP® MedicareComplete® plans and other Medicare Advantage plans from UnitedHealthcare offer benefits and features to fit many different budgets and healthcare needs. Whether it's our long-time relationship with AARP®, our 40 years of serving people just like you, or Renew—our member-only Health & Wellness Experience—we're making it a little easier for you to live a happier, healthier life. Learn more here.
UnitedHealth Passport® program
Get non-emergency care in certain areas within the United States for no additional monthly premium. You just pay the applicable copays according to your Evidence of Coverage. (UnitedHealth Passport is not available on all plans. Note that emergency care is already covered worldwide on all plans.)
Medicare Advantage plans from UnitedHealthcare
Special Needs Plans for complex needs
Medicare Advantage plans from UnitedHealthcare
| Plan Type | Which providers can I see? | Do I need a referral to see a specialist? |
|---|---|---|
| HMO (Health Maintenance Organization) Plans | You generally have to get services from a network of local providers, except for emergency room, urgent care visits and renal dialysis services. | Maybe; it depends on the plan. |
| POS (Point-of-Service) Plans | Similar to an HMO plan, but you can also see providers for certain services outside the plan’s network, but it might cost more to do so. | No. |
| PPO (Preferred Provider Organization) Plans | You can see providers for all covered services outside the plan’s network, but it will generally cost more to do so. | No. |
| PFFS (Private Fee-for-Service) Plans | UnitedHealthcare offers non-network PFFS plans, so you'll have the freedom to use any Medicare-eligible doctor or hospital who agrees to accept the plan's terms and conditions of payment. | No. |
Special Needs Plans for complex needs.
UnitedHealthcare Special Needs Plans are Medicare Advantage plans that offer benefits for people with special healthcare or budget needs. All Special Needs Plans include Part D prescription drug coverage. Other benefits may include:
- coordination of care
- routine vision, hearing and dental coverage
- credits to buy everyday health items, like vitamins, first aid supplies and dental care products
- transportation to and from approved medical appointments.
Medicare Special Needs plans from UnitedHealthcare
| Plan Type | Who's eligible? | Which providers can I see? | Do I need a referral to see a specialist? |
|---|---|---|---|
| Dual Eligible Plans | People who have both Medicare and Medicaid. | You generally have to get your care and services from providers in the plan's network. Some plans do allow out-of-network coverage, but you might have to pay more for it. | Maybe. UnitedHealthcare's Special Needs Plans can be HMO, POS or PPO plans. Some HMO plans require a referral to see a specialist, depending on the plan you have. POS and PPO plans do not require a referral to see a specialist. |
| Institutional Plans | People who live in skilled nursing facilities. | ||
| Institutional-Equivalent Plans | People who live in contracted assisted living facilities and need the same kind of care as those who live in a skilled nursing facility. | ||
| Chronic Condition Plans | People who have diabetes, chronic heart failure and/or certain cardiovascular disorders. |