UnitedHealthcare Medicare Supplement Plans pay secondary to Original Medicare and are a great option for those who wish to save money on out-of-pocket expenses. Since the 1970’s UnitedHealthcare has been serving Americans insurance needs nationwide. 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 are already familiar with UnitedHealthcare as a carrier for employer coverage before they enroll in Medicare. 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.
UHC Medicare Solutions
UnitedHealthcare (UHC) is one of the most popular Medicare insurance carriers in the U.S. UnitedHealthcare offers a variety of Medicare coverage, including Medicare Supplement, Medicare Advantage, and Medicare Part D plans. Depending on the coverage you require, you should be able to find a UnitedHealthcare Medicare solution to fit your needs.
UnitedHealthcare is one of the largest providers of Medicare Supplement insurance nationwide, with plans available in all 50 states and Washington D.C. When it comes to Medigap plans, UnitedHealthcare Medicare plans offer competitive pricing, low rate increases, discounts in select areas, and additional perks for UHC members, such as a 24/7 nurse line, gym memberships, and dental or vision discounts on select plans.
UnitedHealthcare Medicare Supplement Plans for 2024
There are ten standard Medicare Supplement plans and two high deductible Medigap plans available nationwide by UnitedHealthcare. Several UnitedHealthcare Medicare Supplement plans are available to beneficiaries. However, not all options are available in every state. 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
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.
UnitedHealthcare Medicare Supplement Plan F
UnitedHealthcare Medicare Supplement Plan F is one of the most popular Medicare Supplement insurance plans offered by UnitedHealthcare.
UnitedHealthcare Plan F coverage is the most comprehensive among all Medicare Supplement plans. When you enroll in Plan F through UnitedHealthcare, you receive full coverage for all the deductibles, coinsurance, and copayments that Original Medicare leaves for the beneficiary.
UnitedHealthcare Plan F benefits leave you with no out-of-pocket expenses for Medicare-covered services. This can include hospital stays, doctor visits, lab tests, and more. In addition to comprehensive coverage, when enrolled through UHC, you may also receive other benefits such as coverage for foreign travel emergencies and access to SilverSneakers fitness programs.
When enrolling in Medigap coverage, it is essential to compare monthly premium costs. Typically, UnitedHealthcare Plan F costs less each month than other carriers in terms of monthly premium. However, pricing depends on several factors and can vary based on your ZIP Code. However, among Medigap plans, Plan F typically has the highest monthly premium.
It’s important to note that as of January 1, 2020, Medicare Supplement Plan F is no longer available to new Medicare beneficiaries. However, if you were eligible for Plan F prior to that date, you can still enroll in coverage.
UnitedHealthcare Plan G
UnitedHealthcare Medicare Supplement Plan G is one of the most popular UHC Medicare plans among enrollees. UnitedHealthcare Plan G coverage includes the Medicare Part A deductible and coinsurance and the Medicare B coinsurance as well as the other basic benefits covered by Medigap plans.
When you enroll in UnitedHealthcare Plan G, the only cost you are responsible for is the Medicare Part B deductible. Thus, with UnitedHealthcare Plan G benefits, any additional Medicare-covered expenses will be covered fully by your plan.
Due to their competitive pricing, UnitedHealthcare Plan G cost is typically lower each month when compared to other carriers. However, depending on your area, costs can fluctuate. So, it’s important to be specific when receiving a pricing quote.
Unlike Plan F, anyone who is eligible for Original Medicare can enroll in Plan G through UnitedHealthcare. However, you may have to answer underwriting health questions to enroll in the plan depending on when you enroll.
UnitedHealthcare Plan N
UnitedHealthcare Plan N is a popular Medicare Supplement plan available nationwide. This plan is designed to help cover some of the costs that Original Medicare leaves, such as deductibles, copayments, and coinsurance.
UnitedHealthcare Plan N coverage offers a lower monthly premium but does require you to pay some out-of-pocket costs for certain services, such as the Medicare Part B deductible, a copayment for office visits and emergency room visits, and Medicare excess charges when applicable.
UnitedHealthcare Plan N benefits include:
- Coverage for coinsurance and hospital costs under Medicare Part A
- Coverage for Medicare Part B coinsurance and copayment
- Coverage for the first three pints of blood each year
- Coverage for skilled nursing facility coinsurance
- Coverage for Foreign travel emergencies
When it comes to monthly premiums, UnitedHealthcare Plan N costs are competitive. Of the three most popular Medigap plans, Plan N has the lowest monthly premium, and among carriers, UHC is typically one of the most cost-effective.
It is important to compare plans and carriers before enrolling in Medigap coverage to ensure you enroll in the best plan for you.
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 Medicare Supplement (Medigap) Review
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. So, when it comes to UnitedHealthcare Medigap reviews, there is no shortage. AM Best gives UnitedHealthcare an A rating, and the carrier’s overall approval rating from consumers is 96%.
Also, many seniors seek out UHC Medigap 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.