United Healthcare HMO plans give you access to a local network of doctors and hospitals, including a primary care provider (PCP) to help coordinate your unique health care needs. You'll need to get care from doctors and providers in the network and you select a PCP to help coordinate your care. If you use a provider that isn't in the national network, you may have to pay for the service yourself.1 Many plans include UnitedHealthcare Passport®, which gives you the network costs and benefits of your plan when you travel. Many HMO plans have a low or $0 monthly premium.
HMO-POS (Point of Service) plans give you access to a local network of doctors and hospitals, including a PCP to coordinate your care. Plus, you can see out-of-network doctors and providers for certain covered services.
Many United Healthcare HMO plans also give you access to care across the country at network costs using the UnitedHealthcare® Medicare National Network, the nation’s largest network of top doctors and specialists.2
1Emergency care, urgent care, and out-of-area dialysis services are covered where you need them.
2 Networks vary by market.
UnitedHealthcare PPO plans give you freedom to see any doctor nationwide that accepts Medicare, without referrals for specialist or hospital visits. Many plans also provide access to in-network costs when you see doctors participating in the UnitedHealthcare Medicare National Network. Many PPO plans have a low or $0 monthly premium.
*Networks vary by market and exclusions may apply. You can see any doctor who accepts Medicare but costs may be lower with a network doctor.
A PFFS plan doesn't have a network. It gives you the freedom to see any Medicare-approved doctor that accepts the plan's terms. If a PFFS plan doesn't include prescription drug coverage, you can purchase a separate, standalone prescription drug plan.
A Special Needs Plan (SNP) is a type of Medicare Advantage plan. SNPs have a provider network and serve people that qualify with special health care and financial needs. All SNPs include prescription drug (Part D) coverage.