Types of UnitedHealthcare Plans

Medicare Advantage (Part C) Plans

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.

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

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 the 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

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.

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AARP^® Medicare Supplement Insurance Plans

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).

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 United Healthcare 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 must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party.

The formulary, pharmacy network, and/or provider network may change at any time. You will receive notice when necessary. This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premium and/or copayments/ coinsurance may change on January 1 of each year.

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