Medicare Advantage Plans | UnitedHealthcare®

Medicare Advantage Plans

Medicare Advantage Plans provide the same benefits as Original Medicare, and often more. Additional benefits can include routine hearing and vision care. These plans cover all the benefits of Medicare Part A, including hospital stays, skilled nursing care and home health care, but not hospice care (which is still covered by your Part A benefit). These plans also cover all the benefits of Medicare Part B, including doctor visits, outpatient care, screenings, shots and lab tests. Many plans also include Medicare Part D prescription drug coverage. Medicare Advantage plans work similarly to employer-sponsored health insurance plans that you may have had or currently have, which may help you continue a similar level of coverage to what you have now.

The family of UnitedHealthcare® Medicare Solutions plans includes Medicare Advantage plans featuring UnitedHealthcare® or AARP® brand names (such as AARP® MedicareComplete®). All plans include an annual out-of-pocket maximum to help you budget for your health care costs. In addition, most plans include worldwide emergency care and prescription drug coverage. Some plans also have no additional monthly premium beyond what you already pay for Part B.

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There are four types of Medicare Advantage plans offered through UnitedHealthcare.

 

Plan Type Network Primary Care Provider    Out-of-Pocket
Costs    

HMO Plans    

Health Maintenance Organization
Typically requires you to receive services from a network of local providers, except for emergency room, urgent care visits and renal dialysis services. Referrals to specialists may be required, depending on the plan. Out-of-pocket costs are typically lower than PPO and POS plans.

POS Plans    

Point-of-Service
Similar to an HMO plan, but you can also see providers for certain services outside the provider network, generally at a higher cost. Referrals to specialists may be required, depending on the plan. Out-of-pocket costs are typically higher than HMO plans, but lower than PPO plans.

PPO Plans    

Preferred Provider Organization
You can see providers for all covered services outside the provider network, generally at a higher cost. Referrals to specialists are not required. Out-of-pocket costs are typically higher than HMO and POS plans.

PFFS Plans    

Private Fee-for-Service
Can be network or
non-network. UnitedHealthcare only offers non-network PFFS plans, which give members the freedom to use any Medicare-eligible doctor or hospital who agrees to accept the plan's terms and conditions of payment. No referrals or prior authorizations are required for covered services.
No referrals are needed. Lower monthly premiums than most Medicare Supplement plans.
 

Get more information about Medicare Advantage plans

New to Medicare

Choosing the right Medicare plan or plans can be complicated. UnitedHealthcare is here to help you choose a plan that may be right for your needs.

Choose between Original Medicare and a Medicare Advantage plan

How Medicare Works

Understanding Medicare plans can be complicated. Learn how Medicare works to help you decide whether you need a Medicare Advantage plan.

Get more information about Medicare Advantage plans

Learn how the parts of Medicare work together

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