at a glance
- Within UnitedHealthcare’s Medicare offerings, there are three Part D plans to choose from.
- UnitedHealthcare Part D plans feature copayments as low as $0 for generic medications.
- UnitedHealthcare Part D plans also cover 75 percent of your costs while you’re in the Medicare Part D coverage gap.
UnitedHealthcare was started in Minnetonka, Minnesota, in 1974. As of 2020, the company partners with over 1.3 million healthcare professionals and 6,500 hospitals and care facilities throughout the country.
UnitedHealthcare’s Medicare offerings include three different Medicare Part D plans, endorsed by AARP.
These Part D plans include low cost options, especially for enrollees who use Walgreens or Duane Reade as their primary pharmacy.
UnitedHealthcare works with AARP to offer three distinct Part D plan options in 2021:
- AARP MedicareRx Walgreens. This Part D plan offers low premiums and additional savings if prescriptions are filled at Walgreens or Duane Reade locations.
- AARP MedicareRx Preferred. This plan offers a wide network of pharmacies and a low deductible.
- AARP MedicareRx Saver Plus. This plan has a wide network of pharmacies and low premiums.
The right plan for you will depend on:
- the prescriptions you need
- the pharmacies you use
- your budget
The AARP MedicareRx Walgreens plan has both a low deductible and low premiums, but you’ll be limited in the pharmacies you can use.
The AARP MedicareRx Saver Plus has a much wider network and still has low premiums, but you’ll have a higher deductible.
The AARP MedicareRx Preferred has a low deductible and wide network, but you’ll pay higher premiums.
All three plans include the same basic coverage:
- coverage for common generic and brand name prescriptions
- 75 percent coverage for generics and brand names when you’re in the Medicare Part D coverage gap, or donut hole
- low copayments for 90-day-supply mail-order prescriptions
The primary differences are the price you’ll pay for that coverage and the pharmacies you can use.
Your costs for a UnitedHealthcare Medicare Part D plan will depend on the plan you choose and where you live.
The deductible you’ll pay depends on the plan you have. For 2021, the UnitedHealthcare Part D deductibles are:
- AARP MedicareRx Walgreens: $0 for generics and $445 for brand name and specialty mediations
- AARP MedicareRx Preferred: $0
- AARP MedicareRx Saver Plus: $445
Your other costs will depend on where you live. You can check out some sample prices in a few cities around the country below:
|New York, NY||Minneapolis, MN||San Antonio, TX||Portland, OR||Savannah, GA|
|AARP MedicareRx Walgreens||monthly premium: $40.90; generics copay: $0||monthly premium: $35.60; generics copay: $0||monthly premium: $31.90; generics copay: $0||monthly premium: $34; generics copay: $0||monthly premium: $33.40; generics copay: $0|
|AARP MedicareRx Preferred||monthly premium: $94.80; generics copay: $5||monthly premium: $86.50; generics copay: $5||monthly premium: $85.10; generics copay: $5||monthly premium: $92.10; generics copay: $5||monthly premium: $94.20; generics copay: $5|
|AARP MedicareRx Saver Plus||monthly premium: $70.10; generics copay: $1||monthly premium: $32.10; generics copay: $1||monthly premium: $44.30; generics copay: $1||monthly premium: $32.20; generics copay: $1||monthly premium: $44.50; generics copay: $1|
It’s important to choose the right Medicare Part D plan. You need to have a plan that includes the prescriptions you take and the pharmacy you use.
Asking the right questions can help you select the plan that best meets your needs. Check out answers to some common questions below.
How do I check which medications are covered by UnitedHealthcare prescription drug benefits?
You can search for any medication in the details of your plan. You can pull up a list called a comprehensive formulary. That list will show you all the medications covered by your UnitedHealthcare plan.
If you’re not sure whether a medication is covered, you can call your plan and ask. A representative will be able to tell you if the medication is included in your coverage.
How do I find a UnitedHealthcare Medicare Advantage prescription drug plan or stand-alone Medicare prescription drug plan that covers my medications?
If you haven’t selected a plan yet, you can use the Medicare website’s plan finder tool to search for plans that include your medications.
When you enter your medications, you’ll see a list of all the Medicare Advantage and Medicare Part D plans in your area, including UnitedHealthcare plans, that cover your prescriptions.
How do I check if my pharmacy is a UnitedHealthcare preferred pharmacy?
The Medicare plan finder tool can also show you plans that work with your pharmacy. Just like with prescriptions, you can enter your pharmacy and be matched with plans that include it.
Keep in mind that if you use any Walgreens or Duane Reade, you can get additional savings with the AARP MedicareRx Walgreens plan.
Medicare Part D is stand-alone prescription drug coverage. You can add Medicare Part D to original Medicare so that you’re covered for any medications you’re prescribed.
Medicare Part D plans are offered by private companies and overseen by Medicare. The companies set their own prices.
They also set a list of medications that they’ll cover. This list is known as a formulary and is different for each Medicare Part D plan. However, Medicare does require certain prescription types to be covered by all plans.
All Part D plans also have a network, so you’ll need to use an in-network pharmacy for coverage.
You need to have creditable prescription drug coverage while on Medicare.
If you wait to purchase coverage, you’ll pay a late enrollment fee when you do need to enroll. So even if you don’t take prescriptions now, you shouldn’t skip coverage.
If you don’t want a stand-alone Part D plan, you can also choose to get coverage by enrolling in Medicare Advantage (Part C). Not all Medicare Advantage plans include Part D coverage, but many do.
Depending on where you live and the plan options available, it might cost less to join a Medicare Advantage plan with Part D coverage than to join a separate Part D plan.
UnitedHealthcare offers three different Medicare Part D plans. These plans are available in many locations throughout the country.
UnitedHealthcare might be a good option if you’re already using Walgreens or Duane Reade as your pharmacy.
The company’s AARP MedicareRx Walgreens plan offers:
- low premiums
- low copayments
- no deductible on generics
- additional savings if you use one Walgreens or Duane Reade pharmacies
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