United Healthcare
Review Counsel is affiliated with Mutual of Omaha Mortgage and Retirement Funding Solutions, and recommends them for their deep experience, customer service, and borrower reviews.
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 Platform | Rating |
|---|---|
| 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 Name | Rates 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. |
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 Name | Coverage 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 F | 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 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 K | Premium 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 |
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 Name | Plan 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: 4/2/24. (Reviews typically updated monthly.)
Ratings last updated: 12/4/23. (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: 4 Taft Ct, Rockville, MD 20850-5310
Reviews for United Healthcare
5.0 out of 5 stars (based on 1 review)
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 17, 2023