UnitedHealthcare Medicare Supplement Plans

UnitedHealthcare Medicare Supplement Plans pay secondary to Original Medicare. From a company that has been around since the 1970s, UnitedHealthcare Medicare Supplement plans are available in all 50 states. As a carrier, UnitedHealthcare is one of few to have at least one Medicare Supplement (Medigap) option available in each state nationwide.

Many Medicare beneficiaries had coverage through UnitedHealthcare from an employer at some point during their working career. Thus, the carrier is a household name across the country. If you were happy with your employer coverage with this company, it would make sense to consider them for your Medigap coverage.

UnitedHealthcare Medicare Supplement Plans for 2022

Several UnitedHealthcare Medicare Supplement plans are available to beneficiaries. However, not all options are available nationwide. Significant factors of plan availability include your ZIP Code and age.

Below, we outline the benefits of the top three most popular UnitedHealthcare Medicare Supplement plans. These options are Medigap Plan F, Plan G, and Plan N.

Medicare Supplement Plan F Medicare Supplement Plan G Medicare Supplement Plan N
  • Covers full Medicare Part A deductible, full Medicare Part B deductible, and the full (20%) Medicare Part B coinsurance
  • No copays
  • Covers Medicare Part B excess charges
  • Covers full Medicare Part A deductible
  • Beneficiary pays full Medicare Part B deductible
  • Covers full Medicare Part B coinsurance (20%)
  • No copays
  • Covers Medicare Part B excess charges
  • Covers full Medicare Part A deductible
  • Beneficiary pays full Medicare Part B deductible
  • Covers full Medicare Part B coinsurance (20%)
  • Beneficiary is responsible for $20 copays at the doctor and $50 copays at the ER if not admitted
  • Beneficiary pays Medicare Part B excess charges (if applicable)

Like all Medigap plans, when you enroll in a UnitedHealthcare Medicare Supplement plan, you can visit any doctor or hospital accepting Original Medicare. Additionally, you can go to a specialist without a referral, and you have the freedom to travel throughout the U.S. and receive the same great coverage you would at home.

Is UnitedHealthcare a Good Medicare Supplement?

Even though Medicare Supplement plan benefits are standardized, some perks are available by enrolling with specific carriers. Your healthcare coverage will not change, but you may find additional benefits through the company from which you buy a policy.

When you enroll in a UnitedHealthcare Medigap policy, you get benefits like:

  • Early enrollment (up to six months before you turn 65)
  • Household discounts
  • No application fees
  • Coverage can’t be canceled for health issues – only for non-payment
  • 30-day free look period
  • Peace of mind with a top A-rated company
  • In select areas, Silver Sneakers gym membership
  • Community-rated premiums

UnitedHealthcare Medicare Supplement Rate Increases

Rate increases happen with all insurance companies. UnitedHealthcare is no exception; most beneficiaries see at least a 3% increase annually with UHC, and some see a higher increase depending on the plan in which they enroll. Predicting a rate increase is difficult since rate increases depend on the state and policy.

The best way to ensure your rate does not increase more than expected is by working with a licensed broker with multiple plans and carriers available.

UnitedHealthcare Medigap Reviews and Ratings

UnitedHealthcare is one of seven health-related businesses owned by UnitedHealth Group. Others include Americhoice, Ingenix, and Prescription Solutions.

Millions of people nationwide have supplemental Medicare coverage through UnitedHealthcare. AM Best gives UnitedHealthcare an A rating, and the carrier’s overall approval rating from consumers is 96%.

Also, many seniors seek out UnitedHealthcare Medicare Supplement plans because they include a SilverSneakers fitness program benefit. SilverSneakers helps you stay in shape with free access to gyms and exercise classes.

SilverSneakers is not available in all states. This is a significant benefit many Medicare beneficiaries look for when choosing a plan.

FAQs About UnitedHealthcare Medicare Supplement Plans

Which doctors take UnitedHealthcare Medicare Supplement plans?
If a doctor accepts Original Medicare, they will accept a Medicare Supplement plan through any carrier as secondary coverage. Almost all practitioners in the United States accept Medicare assignment.
Does UnitedHealthcare Medicare Supplement Plan F cover foreign travel?
Medigap Plan F through UnitedHealthcare covers foreign travel because Medicare Supplement Plan F always covers this standardized benefit, regardless of the carrier. Except for Medigap Plan A and Plan B, all Medicare Supplement plans cover foreign travel emergencies up to the plan limit.
Which eye doctors take UnitedHealthcare Medicare Supplement?
Unfortunately, Medicare Supplement plans do not cover most vision care services because Original Medicare does not cover this benefit. Thus, a standalone plan that includes dental, vision, and hearing coverage is necessary.

How to Apply for UnitedHealthcare Medigap Plans

Contact us today via phone or online form for more information on how to sign up for a UnitedHealthcare Medicare Supplement plan. You can complete our online rate form to see a side-by-side comparison of rates in your area.

All our licensed Medicare agents know how to lead you to the best coverage. We can discuss your health needs, budget, and coverage options to come up with a plan that is right for you. Whether we find a policy for you through UnitedHealthcare or another carrier, we will ensure you are satisfied with your choice.

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  1. What are Medicare Supplemen plans, UnitedHealthcare. Accessed May 2022.
  2. Medicare Supplement Insurance Plans, UnitedHealthcare. Accessed May 2022.

Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

2 thoughts on “UnitedHealthcare Medicare Supplement Plans

    1. Xavier, the only overseas coverage Medicare Supplement plans will provide is emergency benefits. This is available on Plan F, Plan G, and plan N.


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