Compare Medicare Advantage (Part C) Plans![]() Find and Compare Medicare Advantage Plans from UnitedHealthcare Do you want the simplicity of one plan to meet your health care needs? A Medicare Advantage (Part C) plan may be the answer.Medicare Advantage plans combine Medicare Part A (hospital stays) and Part B (doctor visits)—also known as Original Medicare—in a single plan. Most plans include prescription drug (Part D) coverage. Many plans offer additional benefits and features like routine vision, hearing, dental and fitness coverage not provided by Original Medicare.
|
HMO & HMO-POS |
PPO | PFFS | SNP | |
---|---|---|---|---|
Has a contracted network of doctors and hospitals | Yes |
Yes |
No |
Yes |
Must choose primary care provider from plan network | Yes |
No |
No |
Yes |
Must use doctors and providers within the plan network for covered services | HMO - Yes
HMO-POS – No, but costs more out-of-network |
No, but costs more out-of-network |
No |
Yes |
Referral required to see a specialist | Varies by plan |
No |
No |
Yes |
May include drug coverage | Yes |
Yes |
Yes |
All include drug coverage |
Choosing a Medicare Advantage Plan That Fits Your Budget
Generally, Part C plans have a low or $0 monthly plan premium and offer more coverage than Original Medicare alone.
Unlike Original Medicare, Medicare Advantage plans limit the amount you pay out-of-pocket each year. Once you reach that limit, also called the out-of-pocket maximum, the plan pay’s 100% of allowable costs for the rest of the year.
When comparing Medicare Advantage plans, these questions can help you decide which plan fits your budget:
- How much is the monthly premium?
- How much is the annual deductible?
- How much are the copays and coinsurance?
Choosing a Medicare Advantage Plan with the Right Benefits
All Medicare Advantage plans include at least the same coverage as Original Medicare Part A and Part B, but that’s where the similarity ends.
All plans also have added benefits and features Original Medicare doesn’t have – but may be very different in exactly what they offer. Think about what extra coverage is important to you when comparing different Medicare Advantage plans.
Ask yourself the following questions:
- Does the plan offer prescription drug (Part D) coverage?
- Does the plan cover eye exams or glasses and contact lenses?
- Does the plan have dental coverage?
- Does the plan have health and wellness benefits, like a gym membership?
Medicare Advantage Plans and Prescription Drug Coverage
A Medicare Advantage plan that includes prescription drug coverage is ideal if you don’t want a separate Part D plan. Plus, your premium is often lower for Medicare Advantage plan that includes prescription drugs, than a Part D plan alone.
If you’re considering Medicare Advantage plan with drug coverage, keep these questions in mind when comparing:
- Does the plan’s formulary (drug list) cover your current medications?
- How much will your drugs cost on the different plans?
- Will switching from a brand name drug to a generic drug save you money?
- Is your local pharmacy included in the plan’s pharmacy network?
- Are you willing to use a mail order pharmacy to lower costs?
UnitedHealthcare Medicare Advantage Information and Tools
To make it easier to find the plan you need, UnitedHealthcare provides information and tools to help you be informed before you choose.
UnitedHealthcare Medicare Advantage Plans
Find out more about the benefits of Medicare Advantage plans from UnitedHealthcare.
Dual Special Needs Plans
Find out more about the benefits of Dual Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid.
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1The statements "more care and more savings" and "more plans, more ways to save and more way to get care from home" are based on year over year comparison of UnitedHealthcare plans.
2America's #1 Medicare Advantage plan provider based on May 2021 CMS and NAIC enrollment data.