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United Healthcare

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4.0 | ★ ★ ★ ★

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

  • Medicare Advantage plans available in 49 states (largest coverage area)

  • Medicare Supplement plans available in all 50 states

  • Medicare Part D plans available in all 50 states plus five U.S. territories

  • Plans available with $0 copays for doctor visits and low copays for specialists

  • High rating from CMS

Cons

  • J.D. Power score is below average for member satisfaction

United Healthcare Customer Reviews

Customer Rating PlatformRating
Investopedia  3.9/5 Stars (Editorial Review)
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  

Here is an example of UnitedHealthcare’s Medicare Advantage plans. Plans and rates vary depending on where you live. To find plans and rates for your area, enter your ZIP code here.  

Plan NameRates and Fees
AARP Medicare Advantage Plan 1 (HMO-POS) $0 Monthly premium 

No deductible 

$0 Primary care copay 

$35 Specialist copay 

$3,400 max out-of-pocket in-network costs 
Included: Prescription drug coverage, dental coverage, vision services, hearing benefits, home health care coverage, over-the-counter products card with $100 per quarter, fitness benefit, and more.
AARP Medicare Advantage Plan 2 (HMO-POS) $0 Monthly premium 

No deductible 

$35 Specialist copay 

$3,900 max out-of-pocket in-network costs 

Included: Prescription drug coverage, dental coverage, vision services, hearing benefits, home health care coverage, over-the-counter products benefit card with $40 per quarter, fitness benefit, and more. 
AARP Medicare Advantage Walgreens (PPO) $21 Monthly premium 

$1,000 annual deductible (in-and-out-of-network) 

$0 Primary care copay 

$40 Specialist copay  

$6,700 max out of pocket for in-network costs 

Included: Prescription drug coverage, dental coverage, vision services, hearing benefits, home health care coverage, fitness benefits, and more. 
AARP Medicare Advantage Choice (PPO) $29 Monthly premium 

No-deductible 

$0 Primary care copay 

$30 Specialist copay  

$4,400 max out of pocket for in-network costs 

Included: Prescription drug coverage, dental coverage, vision services, hearing benefits, home health care coverage, over-the-counter products benefit card with $50 per quarter, fitness benefit, and more. 
AARP Medicare Advantage Patriot (HMO-POS) $0 Monthly premium 

No-deductible 

$0 Primary care copay 

$20 Specialist copay  

$3,700 max out of pocket for in-network costs 

Included: Prescription drug coverage, dental coverage, vision services, hearing benefits, home health care coverage, over-the-counter products benefit card with $100 per quarter, fitness benefit, and more. 
UnitedHealthcare Medicare Advantage Choice Plan 3 (Regional PPO) $56 Monthly premium 

No deductible 

$0 Primary care copay 

$50 Specialist copay  

$6,700 max out of pocket for in-network costs 

Included: Prescription drug coverage, dental coverage, vision services, hearing benefits, home health care coverage, fitness benefits, and more. 
UnitedHealthcare Medicare Advantage Choice Plan 2 (Regional PPO)$56 Monthly premium 

No deductible 

$0 Primary care copay 

$50 Specialist copay  

$6,700 max out of pocket for in-network costs 

Included: Prescription drug coverage, dental coverage, vision services, hearing benefits, home health care coverage, fitness benefit, and more. 
* Based on rates in St. Louis, Missouri for 2023 

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.  

The rates below are based on rates in St. Louis, Missouri, for 2023. To find out the rates and plans available for your area, enter your ZIP code here.  

Plan NameCoverage Details
Plan A Estimated Premium: $143.08 

Recommended for: Those looking for a basic benefits plan in addition to a Part A deductible plan. 

$0 for Doctor Visits (once Part B deductible of $226) 

$0 for Specialist Visits 

$0 for Hospital Care for the first 90 days of benefit period 

$226 Annual Part B Deductible  

N/A Out-of-Pocket Maximum 

Includes:  
Dental discounts 
Vision and hearing discounts 
Complimentary gym membership  
24/7 nurse hotline 
Plan B Estimated Premium: $189.11 

Recommended for: Those looking for a comprehensive benefits plan in addition to Part B deductible coverage.  

$0 for Doctor Visits 

$0 for Specialist Visits 

$0 for Hospital Care for the first 90 days of benefit period 

$0 Annual Part B Deductible  

N/A Out-of-Pocket Maximum 

Includes:  
Dental discounts 
Vision and hearing discounts 
Complimentary gym membership  
24/7 nurse hotline 

Plan C is only available to those first eligible for Medicare before 2020. 
Plan C Estimated Premium: $191.67 

Plan F Recommended for: Those who need the most comprehensive benefits plan.  

$0 for Doctor Visits (once Part B deductible of $226) 

$0 for Hospital Care for the first 90 days of benefit period 

$0 out of pocket 

Includes: 
Dental, hearing and vision discounts 
Free gym membership 
24/7 Nurse hotline 
More benefits 

Plan F is only available to those first eligible for Medicare before 2020. 
Plan FEstimated Premium: $191.67 

Plan F Recommended for: Those who need the most comprehensive benefits plan.  

$0 for Doctor Visits (once Part B deductible of $226) 

$0 for Hospital Care for the first 90 days of the benefit period 

$0 out of pocket 

Includes: 
Dental, hearing, and vision discounts 
Free gym membership 
24/7 Nurse hotline 
More benefits 

Plan F is only available to those first eligible for Medicare before 2020. 
Plan G Premium Estimate: $57.05 

Recommended for: Those who are looking for a budget conscious 50% benefits plan. 

10% coinsurance for Doctor Visits (once Part B deductible of $226) 

$800 for Hospital Care for first 90 days of benefit period 

$6,940 Max out of pocket 

Includes the following coverage:  
Dental, hearing and vision discounts 
Free gym membership 
24/7 Nurse hotline 
More benefits 
Plan KPremium Estimate: $97.04 

Recommended for: Those who are looking for a budget conscious 75% benefits plan. 

5% coinsurance for Doctor Visits (once Part B deductible of $226) 

$400 for Hospital Care for first 90 days of benefit period 

$3,470 Max out of pocket 

Includes the following coverage:  
Dental, hearing and vision discounts 
Free gym membership 
24/7 Nurse hotline 
More benefits 
Plan L Premium Estimate: $117.27 

Recommended for: Those who are looking for a co-pay plan. 

Up to $20 co-pay for Doctor Visits (once Part B deductible of $226) 

$0 for Hospital Care for the first 90 days of benefit period 

N/A Max out of pocket 

Includes the following coverage:  
Dental, hearing, and vision discounts 
Free gym membership 
24/7 Nurse hotline 
More benefits 
Plan N Premium Estimate: $117.27 

Recommended for: Those who are looking for a co-pay plan. 

Up to $20 co-pay for Doctor Visits (once Part B deductible of $226) 

$0 for Hospital Care for the first 90 days of the benefit period 

N/A Max out of pocket 

Includes the following coverage:  
Dental, hearing, and vision discounts 
Free gym membership 
24/7 Nurse hotline 
More benefits 
* Based on rates in St. Louis, Missouri for 2023 

AARP Medicare Prescription Drug Plans for 2023 

UnitedHealthcare offers the following prescription drug plans through AARP. The rates will vary depending on where you live, but below, you will find the ranges for 2023.  

Plan NamePlan Details
AARP MedicareRx Walgreens (PDP) $28.30 Monthly Premium 

Annual Deductible: $0 for Tier 1 
$350 for Tiers 2-5 

Estimated Copays (for a 30-day supply): 
$1 – $16 copays for Preferred Generics 
$10-$20 for other Generics 
$40 – $45 copays for Preferred Brands 
$35 copay for Covered Insulin Drugs 
AARP MedicareRx Preferred (PDP) $116.40 Monthly Premium 

Annual Deductible: $0 

Estimated Copays (for a 30-day supply): 
$7 – $15 copays for Preferred Generics 
$12 – $20 copays for other Generics 
$47 of the cost for Preferred Brands 
$35 copay for Covered Insulin Drugs 
AARP MedicareRx Saver Plus (PDP) $61.80 Monthly Premium 

Annual Deductible: $505 

Estimated Copays (for a 30-day supply): 
$1 – $6 copays for Preferred Generics 
$8 – $13 copays for other Generics 
18% of the cost for Preferred Brands 
$35 copay for Covered Insulin Drugs 

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 and the District of Columbia. [Source: UHC.com]
  • Medicare Advantage. UnitedHealthcare offers its Medicare Advantage plans in 49 states and the District of Columbia 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, 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: 5/1/24. (Reviews typically updated monthly.)

Ratings last updated: 3/2/24. (Ratings typically updated quarterly.)


Check Out More Reviews:


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: 4 Taft Ct, Rockville, MD 20850-5310

Reviews for United Healthcare

5.0
5.0 out of 5 stars (based on 1 review)
5 star100%
4 star0%
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2 star0%
1 star0%

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.

Nancy
|
July 16, 2023

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