Types of UnitedHealthcare Plans

Medicare Advantage (Part C) Plans

[[state-start:AK,MP,NY,NC,OR,VI]] Get the same coverage as Original Medicare plus additional benefits in one convenient plan. Medicare Advantage (Part C) plans combine the benefits of Medicare Part A and Part B. Most also offer extra benefits not covered by Original Medicare, like prescription drug coverage or dental care. [[state-end]]

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What do Medicare Advantage (Part C) plans cover?

All benefits of Medicare Part A (except hospice care, which is still covered by Part A)
All benefits of Medicare Part B
Most offer prescription drug coverage
Most offer extra benefits not covered by Medicare Part A and Part 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 to yearly out-of-pocket costs for Medicare-covered services
Premiums to fit a variety of budgets

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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:
- 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.

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Video Transcript (PDF)

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What types of Medicare Advantage (Part C) plans are there?

Coordinated Care Plans

Many Medicare Advantage plans are coordinated care plans. Each plan has its own network of doctors and hospitals to choose from. Plans may require members to choose a primary care provider from the network to manage their care. Or they may offer members the freedom to choose their own providers.

Health Maintenance Organization (HMO) plans	This type of coordinated care plan may be a good fit for you if you want coverage for network providers and a primary care provider to help coordinate your health needs.
Point of Service (POS) plans	If you want the benefits of an HMO plan with more flexibility to see providers outside this network, this type of coordinated care plan may be worth a look.
Preferred Provider Organization (PPO) plans	PPOs offer choice in providers and flexibility to see providers outside the plan's network.
Special Needs Plans (SNPs)	Special Needs Plans (SNPs) are designed for people with special health care or financial needs. All Special Needs Plans include drug coverage. They may also include coordination of care, transportation to and from medical appointments, credits to buy everyday health items, and routine vision and dental coverage. There are four main types of Special Needs Plans: Dual-Eligible Special Needs Plans (DSNPs) for people who have both Medicare and Medicaid (called “dual eligible”) Chronic Special Needs Plans (CSNPs) for people living with severe or disabling chronic conditions Institutional Special Needs Plans (ISNPs) for people who live in a skilled nursing facility Institutional-Equivalent Special Needs Plans (IESNPs) 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

Coordinated Care Plans

Most 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 providers 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 (DSNPs) for people who have both Medicare and Medicaid (called “dual eligible”) Chronic Special Needs Plans (CSNPs) for people living with severe or disabling chronic conditions Institutional Special Needs Plans (ISNPs) for people who live in a skilled nursing facility Institutional-Equivalent Special Needs Plans (IESNPs) 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 flexibility in choosing health care providers or how you pay for your health care, there are two other types of Medicare Advantage plans you may want to learn about.

Private Fee-For-Service (PFFS) plans	Private Fee-For-Service (PFFS) plans are available with and without provider networks. PFFS plans usually let members see any provider in the United States who accepts Medicare and the plan's payment terms and conditions.
Medical Savings Account (MSA) plans	Medical Savings Account (MSA) plans combine a high-deductible health plan with a special savings account. Funds received from Medicare are deposited into the savings account and can be withdrawn tax free to pay for qualified health care expenses. These plans do not include prescription drug coverage.

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 special 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.

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Not all plans are available in all areas.

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Explore the Medicare Advantage, Medicare Prescription Drug and Medicare Supplement plans that may be available in your area. Or learn if you qualify for a Medicare Special Needs Plan.

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Still Have Questions?

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Call UnitedHealthcare: 1-855-264-3796 (TTY 711)

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Hours: 8 a.m. – 8 p.m., 7 days a week.

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Hours: 8 a.m. – 8 p.m. Monday – Friday, 8 a.m. – 5 p.m. Saturday and Sunday.

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Call UnitedHealthcare: 1-855-265-1557 (TTY 711)

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Hours: 8 a.m. – 8 p.m., 7 days a week.

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Hours: 8 a.m. – 8 p.m. Monday – Friday, 8 a.m. – 5 p.m. Saturday and Sunday.

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Give Us a Call

Call UnitedHealthcare: 1-855-264-3796 (TTY 711)

Hours: 7 a.m. – 11 p.m. ET, Monday – Friday, 9 a.m. – 5 p.m. ET, Saturday.

Call UnitedHealthcare: 1-855-264-3796 (TTY 711)

Hours: 7 a.m. – 11 p.m. ET, Monday – Friday, 9 a.m. – 5 p.m. ET, Saturday.

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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.

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AARP^® Medicare Supplement Insurance Plans
AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company.

Insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY for New York residents). Policy form No. GRP 79171 GPS-1 (G-36000-4).

You must be an AARP member to enroll in an AARP Medicare Supplement Plan.

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.

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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.

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Medicare Advantage (Part C) Plans

What do Medicare Advantage (Part C) plans cover?

What do Medicare Advantage (Part C) plans cover?

What types of Medicare Advantage (Part C) plans are there?

Coordinated Care Plans

Coordinated Care Plans

Other types of Medicare Advantage (Part C) plans

Other types of Medicare Advantage (Part C) plans

See UnitedHealthcare Plans Available In Your Area

UnitedHealthcare and AARP Medicare Plans

Find a ZIP code

Select a ZIP code

Still Have Questions?

Give Us a Call

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Meet with a Licensed Insurance Agent/Producer

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