United Healthcare
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About United Healthcare
UnitedHealthcare Medicare Synopsis
Review Summary:
AARP/UnitedHealthcare offers a full scope of Medicare plans including Medicare Advantage, Medicare Supplement, Medicare Prescription Drug plans (Part D), and Dual Special Needs (D-SNP) plans. Its plans are widely available, and they are highly rated by CMS.
Recommended for:
AARP’s UnitedHealthcare Medicare Advantage plans are worth looking into if you’ve had a hard time finding coverage in your specific county as its Medicare Advantage plans are available in more counties than any other provider.
Medicare Basics
Medicare is medical insurance sponsored by the federal government that is available to those who are 65 or older. Medicare provides Part A, which covers hospital expenses, and Part B, which covers doctor visits. However, it does not cover all expenses. (Part A and Part B are also known as Original Medicare.)
That’s where Medicare Supplement insurance and Medicare Advantage plans come into play. Medicare Supplement insurance, also called Medigap, and Medicare Advantage, also called Part C, are designed to supplement Medicare Parts A and B. Medicare patients do not need both Medicare Supplement and Medicare Advantage.
They are both purchased through insurance companies. Medicare Advantage plans typically have low premiums, require copays, and come with network restrictions. Supplement insurance policies typically come with higher premiums, have lower costs when receiving care, and do not come with network restrictions.
Pros and Cons of UnitedHealthcare Medicare
Pros
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Medicare Advantage plans available in 50 states + DC, Virgin Islands (largest coverage area)
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Medicare Supplement plans available in all 50 states
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Medicare Part D plans available in all 50 states plus five U.S. territories
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Plans available with $0 copays for doctor visits and low copays for specialists
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High rating from CMS
Cons
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BBB score is below average for member satisfaction
United Healthcare Customer Reviews
| Customer Rating Platform | Rating |
|---|---|
| SeniorLiving | 4.5/5 Stars (Editorial Review) |
| The Senior List | 4.6/5 Stars (Editorial Review) |
| ValuePenguin | 4.5/5 Stars (Editorial Review) |
UnitedHealthcare Medicare Coverage Overview
UnitedHealthcare offers Medicare Advantage, Medicare Supplement, and prescription drug plans.
Here is a breakdown of the plans it offers:
- Medicare Advantage (Part C) Plans. Medicare Advantage plans are all-in-one plans that work like traditional (non-Medicare) health plans. It combines Part A and Part B with other benefits such as dental, hearing, and vision coverage. Medicare Advantage recipients pay one premium, some which start at $0 per month. Patients are limited to doctors within the network of their plan.
- Medicare Supplement Insurance (Medigap). As the name implies, Medicare Supplement plans supplement what isn’t covered by Medicare Part A and Part B. Medicare Supplement patients can go to any physician who takes Medicare.
- Medicare Part D Plans. Medicare Part D plans are prescription drug plans that can be purchased in addition to Part A and B, or Medicare Supplement plans.
- Dual Special Needs (D-SNP) Plans. These plans are for those who qualify for Medicare and Medicaid.
UnitedHealthcare Medicare Advantage Plans
Review examples of UnitedHealthcare’s Medicare Advantage plans by entering your zip code below. Plans and rates vary depending on where you live. To find plans and rates for your area, enter your ZIP code here.
AARP Medicare Supplement Insurance Plans insured by UnitedHealthcare Insurance Company
The Medicare Supplement plans insured by UnitedHealthcare are offered through AARP. Please note that not all the plans listed below are available in all areas.
To find out the rates and plans available for your area, enter your ZIP code here.
AARP Medicare Prescription Drug Plans for 2026
UnitedHealthcare offers prescription drug plans through AARP. The rates will vary depending on where you live.
Additional Benefits
Several plans offered by UnitedHealthcare also come with the following benefits:
- Fitness Benefit. The UnitedHealthcare Medicare plans come with a free gym membership and free Fitbit.
- Funds for Over-the-Counter Products. Several of the plans offered include a debit card that is replenished every quarter to be used for over-the-counter products.
- Nurse Hotline. UnitedHealthcare’s plans include access to a free 24/7 nurse hotline.
Where Plans are Offered
Note: Even if UnitedHealthcare is available in your state, it is not available in every county. Check availability in your specific county by entering your ZIP code here.
- Medicare Supplement Insurance (Medigap). UnitedHealthcare Medicare Supplement plans are offered in all 50 states, the District of Columbia and the Virgin Islands. [Source: UHC.com]
- Medicare Advantage. UnitedHealthcare offers its Medicare Advantage plans in 49 states, the District of Columbia plus the Virgin Islands and 2,789 counties (89% of counties). [Source: AARP.org]
- Prescription Drug Plans. UnitedHealthcare offers its three prescription drug plans in all 50 states, the District of Columbia, the Virgin Islands and five U.S. territories.
About UnitedHealthcare
UnitedHealthcare is based in Minnesota and offers a large variety of health insurance plans for individuals and groups in addition to its Medicare plans. It is currently the largest health insurance company in the United States.
Reviews last updated: 11/11/25. (Reviews are typically updated monthly.)
Ratings last updated: 11/11/25. (Ratings typically updated quarterly.)
Check Out More Reviews:
- Humana Medicare Insurance Plans
- Mutual of Omaha Medicare Supplement Plans
- Aetna Medicare Insurance Plans
- Review Counsel Featured Medicare Insurance Companies
Our Methodology
We independently identify Medicare insurance companies. Medicare Insurance companies are evaluated based on five factors that we believe are important for consumers: years in business, number of products offered, customer service availability, state licensing footprint, and Better Business Bureau (BBB) Ratings. Please find a full description of our ratings system here.
This information is intended to be general and educational in nature and should not be construed as financial advice. Consult your financial advisor before implementing financial strategies for your retirement.
Address: 9900 Bren Road East Minnetonka, MN 55343-9664
Reviews for United Healthcare
5.0 out of 5 stars (based on 2 reviews)
Hmo
It’s wonderful
July 22, 2024
Absolutely the best.
At our age, we have all had the most common illnesses at one time or another. UHC has taken care of all of them for me with professional yet friendly care. I feel totally comfortable with United Healthcare taking care of me. I have depended on them for twenty worry free years. During this time, I’ve had my share of more serious things as well, and we went through a few of those serious times together. UHC makes me feel like they are part of the family, with comfortable and knowlegeable care.
July 16, 2023