One plan. One simple way to get coverage.
Medicare Advantage (MA) plans offer all the benefits of Original Medicare (Part A and Part B). Many also include benefits like routine hearing, dental and vision care, a fitness program, wellness services and/or a nurse helpline. Medicare Advantage Prescription Drug plans (MAPDs) also include Part D prescription drug coverage.
An MA plan might be a good choice if you'd like coverage beyond what Original Medicare provides, but don't need prescription drug coverage.
An MAPD plan might be a good choice for you if you want all the benefits offered by an MA plan plus prescription drug covereage included in one convenient plan.
Medicare Advantage plans from UnitedHealthcare offer combinations of benefits and features designed to fit a variety of budgets and healthcare needs. In fact, 1 in 5 Medicare beneficiaries trust UnitedHealthcare with their coverage1. Whether it's our long-standing relationship with AARP®, our 40 years of serving people just like you, or Renew—our member-only Health & Wellness Experience—we're making it a little easier for you to live a happier, healthier life. Learn more here.
|Plan Type||Which providers can I see?||Do I need a referral to see a specialist?|
|You generally have to get services from a network of local providers, except for emergency room, urgent care visits and renal dialysis services.||Maybe; it depends on the plan.|
|Similar to an HMO plan, but you can also see providers for certain services outside the plan’s network, but it might cost more to do so.||Maybe; it depends on the plan.|
|You can see providers for all covered services outside the plan’s network, but it will generally cost more to do so.||No.|
|UnitedHealthcare offers non-network PFFS plans, so you’ll have the freedom to use any Medicare-eligible doctor or hospital who agrees to accept the plan's terms and conditions of payment.||No.|
Medicare Advantage Open Enrollment Period (MA OEP)
The Medicare Advantage Open Enrollment Period gives you a chance to make a one-time election to leave a Medicare Advantage plan, switch to a different Medicare Advantage plan, or leave a Medicare Advantage plan and go back to Original Medicare (Part A and Part B) with or without a Part D plan. You can also take advantage of the MA OEP if you're newly eligible for Medicare Part A and Part B. You can do this from January 1 through March 31, 2019.
If you choose to go back to Original Medicare, you also have until March 31, 2019 to enroll in a Part D plan if you leave a Medicare Advantage plan with drug coverage, or if you switch from a Medicare Advantage plan with drug coverage and don't have prescription coverage with your new Medicare Advantage plan. You may have to pay a late enrollment penalty if you don’t enroll in a Part D plan at this time and decide to get it later.
UnitedHealthcare Special Needs Plans are MA plans that offer benefits for people with special healthcare or budget needs. All Special Needs Plans include Part D prescription drug coverage. Other benefits may include:
- Coordination of care
- Routine vision, hearing and dental coverage
- Credits to buy everyday health items, like vitamins, first aid supplies and dental care products, and/or
- Transportation to and from approved medical appointments.
|Plan Type||Who's eligible?||Which providers can I see?||Do I need a referral to see a specialist?|
|Dual Eligible Plans||People who have both Medicare and Medicaid.||You generally have to get your care and services from providers in the plan’s network. Some plans do allow out-of-network coverage, but you might have to pay more for it.||
Maybe. UnitedHealthcare's Special Needs Plans can be HMO, POS or PPO plans.
HMO plans may require a referral to see a specialist, depending on the plan you have.
POS and PPO plans do not require a referral to see a specialist.
|Institutional Plans||People who live in skilled nursing facilities.|
|Institutional-Equivalent Plans||People who live in contracted assisted living facilities and need the same kind of care as those who live in a skilled nursing facility.|
|Chronic Condition Plans||People who have diabetes, chronic heart failure and/or certain cardiovascular disorders.|
Our Story. Our Difference.
One type of UnitedHealthcare Special Needs Plan was designed for people living in nursing homes or skilled nursing facilities. Learn how two nurse practitioners helped change the lives of nursing home residents and the way they get their healthcare.
1CMS Data, 2017, and UnitedHealthcare Internal Data, 2017