medicare advantage plan

United Healthcare Medicare solutions

UnitedHealthcare ®.

UnitedHealthcare is dedicated to helping people nationwide live healthier lives by simplifying the health care experience, meeting consumer health and wellness needs, and sustaining trusted relationships with care providers. The company offers the full spectrum of health benefit programs for individuals, employers, military service members, retirees and their families, and Medicare and Medicaid beneficiaries, and contracts directly with more than 1 million physicians and care professionals and 6,000 hospitals and other facilities nationwide. UnitedHealthcare is one of the businesses of UnitedHealth Group (NYSE: UNH), a diversified Fortune 50 health and well-being company. For more information, visit UnitedHealthcare at www.uhc.com or follow @myUHC on Twitter

What Medicare coverage does United Healthcare offer in Arizona?

Medicare is the federal health insurance program for people who are 65 or older or those under 65 who may qualify because of a disability or another special situation. Medicare helps millions of American seniors and disabled individuals cover some of their health care costs.

 

Medicare also offers important choices in how you receive benefits– whether through the federal government and Original Medicare (Parts A & B) or through a Medicare-approved private insurer that offers additional benefits like prescription drug coverage (Medicare Advantage plans (Part C) and Medicare Part D drug coverage plans).

medicare supplement plans

 

The different parts of Medicare help cover the costs of specific services.

Let Us Find the right Medicare advantage for you

The Medicare Advantage program, also known as Part C, offers an alternative way for you to get your Original Medicare benefits. Instead of getting them through the government-run health-care program, you’ll get the same Part A and Part B coverage through a Medicare Advantage plan, available through private insurance companies like United Healthcare that are contracted with Medicare. Please note that hospice coverage is still covered through Part A of Original Medicare.

 

In addition, Medicare Advantage plans often come with extra benefits beyond Original Medicare. For example, United Healthcare Medicare Advantage plans may include Part D prescription drug coverage; these plans are sometimes called Medicare Advantage Prescription Drug (MAPD) plans. United Healthcare Medicare Advantage plans may also include coverage for routine vision, dental, and hearing care in addition to all the coverage provided under Original Medicare.

 

You will be eligible for Medicare Advantage plans if:

 

You have Part A and Part B.

You live in the service area of a Medicare Advantage plan.

You don’t have the end-stage renal disease (note that there are some exceptions).

These are some of the plan options available in some areas

*United Healthcare Medicare Advantage Health Maintenance Organization (HMO) plans. These plans require you to get all of your health-care services within your plan’s network (although you’ll still be covered for emergency or urgent care). As another option, some service areas offer HMO-POS (Point-of-Service) plans, which allow you to get certain services out of network (typically with higher cost sharing). A primary care physician (PCP) will manage most of your care, and you’ll need to get referrals to see a specialist.

*United Healthcare Medicare Advantage Preferred Provider Organization (PPO) plans. You may see any provider, but you save money using network preferred providers. You don’t need a referral before seeing a specialist. *.

*United Healthcare Private Fee-for-Service (PFFS) plans. You may get care from any provider who accepts your plan’s terms and conditions, but providers have the option to decline to treat you, even if they accept Medicare. You’ll need to have your provider accept the plan on a case-by-case basis.

*United Healthcare Special Needs Plans (SNPs). These plans limit enrollment to people with certain disabling or chronic medical conditions; those who need nursing care at home or live in an institution; or individuals who are eligible for both Medicare and Medicaid. Plan benefits are tailored to meet the needs of its members, which may include special coordination services, provider networks, and/or wellness programs.

Most of the above types of plans may include prescription drug benefits, but you should always confirm with the specific plan you’re considering before enrolling. Not all plans may be available in all locations, and plan benefits and premiums may vary depending on where you live. You must continue to pay your Part B premium if you enroll in a United Healthcare Medicare Advantage plan (along with any premium required for your Part C coverage). Plans may include copayments, coinsurance, and/or deductibles.

 

Medicare Part D plans offer coverage for common generic and brand name prescription drugs, with the government set guidelines for what medications Medicare Part D plans must cover. However, the prescription drugs covered do vary from plan to plan. Be sure to verify that your prescriptions are covered in each plan’s list of covered medications.

Find a Medicare Part D Prescription Drug Plan That Is Right for You

United Healthcare ® offers a selection of Medicare Part D prescription drug plans designed to accommodate a variety of medical needs and budgets.

Keep in mind that not all United Healthcare Medicare Advantage plans include prescription drug coverage, and stand-alone Part D prescription drug plans generally cannot be combined with most types of Medicare Advantage plans. If you want Part D coverage and you have Medicare Advantage, you should typically try to get it through a Medicare Advantage Prescription Drug plan. Medicare Prescription Drug Plans are designed to cover your Part D benefits if you have Original Medicare.

Does united healthcare offer Medicare supplement?

 

You’re eligible for Medicare Supplement insurance once you’re enrolled in Part A and Part B (although not every state offers Medigap plans to beneficiaries under age 65). However, the best time to enroll in this coverage is during your Medigap Open Enrollment Period, which is the six-month period that starts once you have Part B and are 65 or older. During this period, you have guaranteed-issue rights, meaning you can’t be turned down for Medigap coverage because of pre-existing conditions or charged more because of your health status. After this six-month window has passed, insurance companies that offer Medicare Supplement plans may require medical underwriting and can deny you coverage if you have health problems. You may have more trouble enrolling in a Medigap plan for the first time or switching plans if you have health issues and don’t have guaranteed-issue rights.

Your Medicare Part B Effective Date is when your Part B benefits become (or will become) active. It can be found on the front of your Medicare card. AARP endorses the AARP ® Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company (United Healthcare Insurance Company of New York, Islandia, NY).

Please note that Medicare Supplement plans only cover costs you may have under Original Medicare. If you’re enrolled in a Medicare Advantage plan, you can’t use your Medigap coverage to pay for your Medicare Advantage plan costs.

The purpose of this communication is the solicitation of insurance. Contact will be made by an insurance agent/producer or insurance company. Blake Insurance Group LLC is not connected with or endorsed by the U.S. government or the federal Medicare program. The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

 

This information is not a complete description of benefits. Contact the plan for more information. Limitations, co-payments, and restrictions may apply. Benefits, premiums and/or copayments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.

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