Types of UnitedHealthcare Plans
Medicare Advantage (Part C) Plans
Get the same coverage as Original Medicare plus additional benefits in one convenient plan.
Medicare Advantage (Part C) plans combine the benefits of Medicare Part A and Part B. Most also offer extra benefits not covered by Original Medicare, like prescription drug coverage or dental care.
What do Medicare Advantage (Part C) plans cover?
- All the benefits of Medicare Part A (except hospice care, which is still be covered by Part A)
- All the benefits of Medicare Part B
- Most offer prescription drug coverage
- Most have extra benefits not covered by Medicare Part A and Part B, such as:
- Routine dental care
- Eye exams, eyeglasses, and corrective lenses
- Hearing tests and hearing aids
- Wellness programs and fitness memberships
- Plan options with and without provider networks
- Limitations to yearly out-of-pocket costs for Medicare-covered services
- Premiums to fit a variety of budgets
What types of Medicare Advantage (Part C) plans are there?
Coordinated Care Plans
Many Medicare Advantage plans are coordinated care plans. Each plan has its own network of doctors and hospitals to choose from. Plans may require members to choose a primary care provider from the network to manage their care. Or they may offer members the freedom to choose their own providers.
Health Maintenance Organization (HMO) plans
This type of coordinated care plan may be a good fit for you if you want coverage for network providers and a primary care provider to help coordinate your health needs.
Point of Service (POS) plans
If you want the benefits of an HMO plan with more flexibility to see providers outside the network, this type of coordinated care plan may be worth a look.
Preferred Provider Organization (PPO) plans
PPOs offer choice in providers and flexibility to see providers outside the plan's network.
Special Needs Plans (SNPs)
Special Needs Plans are designed for people with special health care or financial needs. All Special Needs Plans include drug coverage. They may also include coordination of care, transportation to and from medical appointments, credits to by everyday health items, and routine vision and dental coverage. There are four main types of Special Needs Plans:
- Dual-Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid (called "dual eligible")
- Chronic Special Needs Plans (C-SNPs) for people living with severe or disabling chronic conditions
- Institutional Special Needs Plans (I-SNPs) for people who live in a skilled nursing facility
- Institutional-Equivalent Special Needs Plans (IE-SNPs) for people who live in a contracted assisted living facility and need the same kind of care as those who live in a skilled nursing facility
Other types of Medicare Advantage (Part C) Plans
If you want flexibility in choosing health care providers or how you pay for your health care, there are two other types of Medicare Advantage plans you may want to learn about.
Private Fee-For-Service (PFFS) plans
PFFS plans are available with and without provider networks. PFFS plans usually let members see any provider in the United States who accept Medicare and the plan's payment terms and conditions.
Medical Savings Account (MSA) plans
Medical Savings Accounts (MSA) plans combine a high-deductible health plan with a special savings account. Funds received from Medicare are deposited into the account and can be withdrawn tax free to pay for qualified health care expenses. These plans do not include prescription drug coverage.
Read Next:
Medicare Supplement Insurance Plans
See UnitedHealthcare Plans Available in Your Area
Explore the Medicare Advantage, Medicare Prescription Drug and Medicare Supplement plans that may be available in your area. Or learn if you qualify for a Medicare Special Needs Plan.
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View Important Disclosures Below
UnitedHealthcare Insurance Company pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.
AARP® encourages you to consider your needs when selecting products and does not make product recommendations for individuals.
Please note that each insurer has sole financial responsibility for its products.
AARP® Medicare Supplement Insurance Plans
AARP endorses the AARP Medicare Supplement Insurance Plans, insured by UnitedHealthcare Insurance Company.
Insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103 (available in all states/territories except ND, NY) or UnitedHealthcare Insurance Company of America, 1600 McConnor Parkway, Floor 2, Schaumburg, IL 60173 (available in AR, AZ, IL, IN, MS, NC, ND, NJ, OH, PA, SC, TN, TX) or UnitedHealthcare Insurance Company of New York, 2950 Expressway Drive South, Suite 240, Islandia, NY 11749 (for NY residents). Policy Form No. GRP 79171 GPS-1 (G-36000-4).
In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.
Not connected with or endorsed by the U.S. Government or the federal Medicare program.
This is a solicitation of insurance. A licensed insurance agent/producer may contact you.
You must be an AARP member to enroll in an AARP Medicare Supplement Plan.
THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER ABOVE.
Medicare Advantage plans and Medicare Prescription Drug plans
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan's contract renewal with Medicare. You do not need to be an AARP member to enroll in a Medicare Advantage plan or Medicare Prescription Drug plan.
This information is not a complete description of benefits. Contact the plan for more information.
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