Medicare Advantage plans are offered through United Health Care, and they provide excellent coverage for seniors. These plans offer all of the benefits of traditional Medicare, plus additional features that can be very helpful. United Health Care is one of the largest companies in the health care they offer extra benefits. Like, help with hearing aides and other high priced products. In this blog we will discuss what makes them a great option.
In addition, we will compare these plans against Original Medicare. This way you can decide which option is best for you. First thing to remember, your needs come first!
What is Medicare Advantage?
Medicare Advantage are plans that are offered through private companies. These plans contract with Medicare to provide all of the same benefits as Original Medicare. These benefits are not offered by Original Medicare. Plus these plans can include prescription drug coverage and dental and vision coverage. Some plans even give additional benefits. Medicare Advantage plans are a great option for seniors who want to get the most out of their Medicare coverage. Therefore they are a very popular option.
Here Are Some of the Benefits UnitedHealthCare Offers:
- $0.00 Copays for primary care visits. Plus $0.00 copays for virtual visits. Plus $0.00 copays on lab tests.
- Prescription Drug Coverage- $0.00 copays and deductibles on tier 1 and tier 2 prescription drugs plus an extensive pharmacy network including national chains
- National Network – Largest network with over 1 million providers
- Dental Care -$0.00 copays on preventative dental and the largest dental network
- Vision Care- free yearly eye exam, free designer frames, and prescription lenses
- OTC Products- Example cold remedies, vitamins, pain relievers
- Hearing Care- $0.00 routine hearing exams plus savings on thousands of brand name hearing aides
- Fitness Benefit- Free Gym Membership to Medicare Advantage’s largest gym network including premium gyms
Here are the Most Popular Plans United Health Care Offers:
United Health Care offers a variety of Medicare Advantage plans, and the most popular ones are the HMO and PPO plans. For Example:
HMO Plan- The HMO plan is the most popular type of Medicare Advantage plan. This plan offers great coverage for seniors, and it has a large network of doctors and hospitals. The downside to this plan is that you will need a referral from your primary care doctor to see a specialist. Thus this plan is for someone who sees there doctor several times a year.
PPO Plan- The PPO plan is most popular type of Medicare Advantage plan. This plan offers great coverage for seniors, and it has a large network of doctors and hospitals. The downside to this plan is that you will have to pay a bit more for your premiums. Albeit the copay amounts may be higher.
HMO-POS- The HMO-POS plan is a hybrid of the HMO and PPO plans. This plan offers great coverage for seniors, and it has a large network of doctors and hospitals. The downside to this plan is that you will need a referral from your primary care doctor to see a specialist. More importantly some POS plans do not require a referral.
HMO-DSNP- An HMO-D’SNP plan is a great option for seniors who have a chronic condition. Indeed this HMO plan is a great option because of the low costs. And it has a large network of doctors and hospitals. Later, we will discuss the downside to this plan. Is it that you will need a referral from your primary care doctor to see a specialist? Or is it the fact that you may have to jump through a few hoops
United Health Care Offers Medicare Supplement Plans?
Medicare supplement plans are designed to fill in the gaps in traditional Medicare coverage. These plans can help you pay for things like deductibles, copayments, and coinsurance. United Health Care offers a variety of Medicare supplement plans, and they are a great option for seniors who want to get the most out of their Medicare coverage.
Here is a Comparison of Traditional Medicare vs. United Healthcare Medicare Advantage Plans:
Traditional Medicare:
- Parts A and B cover hospital and medical expenses
- You will need to pay for things like deductibles, copayments, and coinsurance
- You can see any doctor that accepts Medicare
- United Healthcare Medicare Advantage Plans-
- Parts A and B cover hospital and medical expenses
- Most plans offer extra benefits like prescription drug coverage, dental and vision coverage, and more
- You will need to use the network of providers that your plan has contracted with.
Now that we have covered what United Health Care offers. Please take the time to weigh your options. Keep in mind we work with 35 different companies and will do our best to put you in the best possible fit for your situation. Basically, we want you to make a good decision!
