United Healthcare Medicare Supplement plans are some of the most popular in the nation. Their name brand is well known to many people because United Healthcare also offers employer insurance plans. Many of you may have been insured at some point in your lifetime with UHC, and if you had a good experience, you’ll want to consider their supplement plans as well.
Boomer Benefits is a long-time national producer for United Healthcare Medicare Supplements where we are a Level Two, Authorized to Offer Agency. We have hundreds of policyholders across 47 states. This recognizable insurance company has been offering Medigap plans since the last 70’s.
While many other insurance companies offer the same standardized Medigap plans, United Healthcare Medicare Supplement plans are the only ones co-branded with AARP.
Also, United Healthcare Medicare Supplements are available across many states and they offer 7 different Medigap plan options.
To enroll in a Medicare supplement policy with United Healthcare Medicare Solutions, you must be a member of AARP. Fortunately, the applications include both an application for membership and the supplement.
You will have get access to benefits which include:
- Early enrollment and household discounts (varies by state)
- No application fee
- Nationwide coverage- you can visit any Medicare provider in the U.S.
- Guaranteed Renewable – as with all Medigap plans, your coverage can’t be cancelled for medical reasons
- Free look period of 30 days
- Peace of mind that comes from insurance with a top A-rated carrier
- Silver Sneakers gym membership (where offered)
United Healthcare Medicare Supplement Plan F
United Healthcare Medicare Supplements are standardized. UHC doesn’t offer all 10 standardized plans, but they do offer the most commonly purchased plans, like Plans F, G and N.
When you purchase a United Healthcare Medicare Supplement Plan F, you can rest assured that your Medicare Supplement policy will include all the same great benefits as any other company’s Medigap Plan F because remember, plans are standardized by the federal government. Plan F covers both your hospital and outpatient deductibles. It also covers your 20% coinsurance under Part B. What most people like is that it’s first-dollar coverage, meaning that you won’t pull your wallet out for any Medicare-covered services.
United Healthcare Medicare Supplement Plan G
United Healthcare Medicare Supplement Plan G policies are new to the marketplace in 2017. In many states, Plan G has lower monthly premiums than Plan F. In exchange, you must understand that you are responsible for paying your own Part B deductible. Fortunately, you only owe this deductible once per year, whenever you access your first Part B healthcare service for that year.
Our team can help you compare the Plan F vs Plan G premiums and decide if it’s more cost effective for you to enroll in Plan G.
United Healthcare Medicare Supplement Plan N
Plan N is a great choice for individuals who would like lower premiums in exchange for their agreement to cover some costs on the back end of the policy. For example, just like on Plan G, you will pay your own Part B deductible under Plan N. You will also have doctor copays of up to $20 and emergency room copays of up to $50.
Plan N also does not cover excess charges. An excess charge is just a fee that some doctors charge beyond what Medicare agrees to pay them. This amount, by law, cannot be any higher than 15%, and in some states, excess charges are not allowed at all.
Should you enroll in a United Healthcare Medicare Supplement Plan N just remember to check with your providers ahead of time to ask if they accept Medicare assignment rates. If they say no, you’ll be aware that you may end up paying some balance bill excess charges.
United Healthcare Medicare Advantage Plans
United Healthcare Medicare Advantage plans are available in many states. These plans work differently than United Healthcare Medicare supplement policies.
When you enroll in any company’s Medicare Advantage plan, you will usually get your healthcare from the plan’s network of providers. It’s therefore important to verify with your physicians that they participate in the plan’s network. There are both HMO and PPO Advantage plans available in many states.
You can read more about Medicare Advantage plans here.
Medicare Advantage plans have become very popular with Medicare beneficiaries because they often offer lower premiums than Medigap plans. Instead, you’ll pay copays for services as you go along. This may appealing to people who are living on a limited budget. However, we also see alot of interest in these plans from Medicare beneficiaries who just like the idea of paying for medical services as they go along.
Many Advantage plans also include a Part D drug plan built in. Some plans have ancillary benefits such as preventive dental or vision services also included.
United Healthcare Silver Sneakers
Lots of people ask us about the United Healthcare gym benefit from Silver Sneakers.
Silver Sneakers is a fitness membership for older adults. While membership is through participating local gyms, Silver Sneakers actually sponsors a lot of social activities that keep older adults engaged in their community. Various Medicare plans in your area may offer a gym membership. We can help you check plans in your county to see if this benefit is included in plans near you.
Interested in a United Healthcare Medicare Plan?
Boomer Benefits has worked with Medicare products from United Healthcare Medicare Solutions for over 10 years. We are very familiar with their plan options across the United States. Give us a call today so we can help you explore plan options in your area.