At a glance
  • UnitedHealthcare (UHC) offers a variety of Medicare Advantage plans throughout the United States.
  • Plan offerings include HMOs, PPOs, and SNPs, among others.
  • As of 2020, UHS has partnerships with over 1.3 million physicians and healthcare professionals, as well as 6,500 hospitals and other care facilities across the country.

Medicare Advantage plans, also known as Medicare Part C, provide services traditional Medicare offers in addition to other services, such as prescription medications and sometimes vision, dental, or hearing care.

UnitedHealthcare (UHC) is an example of an insurance company that provides Medicare Advantage plans to American consumers.

The following are examples of UHC’s Medicare Advantage plan offerings. Levels of coverage often depend on the plan selected and region where you live.

UHC HMO plans

Many Medicare Advantage plans are coordinated care plans, which means you choose from a network of in-network providers that have an agreement with UHC (or another insurance company) to provide medical care at a discount. This is a Health Maintenance Organization (HMO).

These plans usually only pay for using in-network providers. If you use an out-of-network provider with an HMO plan, you may have to pay full costs for the coverage.

Some UHC plans may also offer Point-of-Service plans. These are plans that may be more flexible in terms of payment options for providers. But, they may cost slightly more than strictly an HMO plan.

UHC PPO plans

A Preferred Provider Organization (PPO) plan is similar to an HMO, but usually pays for both in- and out-of-network providers, but at different rates. The added flexibility may make a PPO plan slightly more expensive than an HMO.


UHC offers Special Needs Plans (SNPs) to provide services to those who may have specific health needs. Every UHC SNP includes prescription drug coverage. Examples of UHC’s offerings for SNPs include:

  • Chronic Special Needs Plans (C-SNPs): provide specific care for those who have severe, chronic health conditions
  • Dual-Eligible Special Needs Plans (D-SNPs): provide coverage for people who have both Medicare and Medicaid
  • Institutional-Equivalent Special Needs Plans (IE-SNPs): provide coverage for people who live in a contracted assisted living facility, yet require similar care to a person who lives in a skilled nursing facility
  • Institutional Special Needs Plans (I-SNPs): provide coverage for people who live in a skilled nursing facility.

These plans have specific providers and drug coverage geared toward those with certain conditions.

UHC PFFS plans

In some parts of the country, UHC offers Private Fee-for-Service (PFFS) plans. These are plans that don’t always have a specific provider network, but instead pay providers who accept Medicare, providing they accept assignment. These plans from UHC don’t usually offer Part D plans.

UHC offers Medicare Part D prescription drug plans. You can purchase one of these plans if you don’t currently have drug coverage as part of your Medicare Advantage plan. Each plan contains a list of tiers that has different values for prescription drug categories, including generic and name-brand drugs.

UHC offers Medicare Advantage plans in 49 states. Medicare Advantage plans are not currently sold in Alaska.

Although there is wide availability throughout the country, specific types of plans and coverage options may only be offered in certain areas. This means that if your relative in another state has a UHC plan, the same plan might not be available to you.

The coverage for UHC plans vary based on what plan you choose. These Medicare Advantage plans may include:

Each plan may offer different benefits. Read them carefully to make sure you are getting the coverage you would use the most.

UHC Medicare Advantage health plans vary by state and coverage. Some may include prescription drug plans while others may also incorporate additional services, such as dental, hearing, and vision.

You may search for available UHC Medicare Advantage plans using’s plan finder tool. By entering your ZIP code and county, you will see available plans.

Here is a sample of the costs you’ll see with UHC Medicare Advantage plans from across the country:

City/planMonthly premium*Health plan deductible Drug plan deductibleOut-of-pocket maxPrimary doctor visit copaySpecialist visit copay
Duluth, MN:
AARP Medicare Advantage Headwaters (PPO)
(with drug plan)
in and out of network
Houston, TX:
AARP Medicare Advantage Plan 2 (HMO)
(with drug plan)
in network
Jacksonville, FL:
AARP Medicare Advantage Patriot (Regional PPO)
(no drug plan)

in and out of network,
in network
Philadelphia, PA:
AARP Medicare Advantage Choice Plan 2 (PPO)
(with drug plan)
in and out of network,
in network
San Diego, CA:
Sharp SecureHorizons Plan by UHC (HMO)
(with drug plan)
in network

*Note: these monthly premiums don’t include the Medicare Part B premium. You will pay this fee in addition to any monthly premium your plan has.

Medicare Advantage (Medicare Part C) is an alternative to original Medicare where a private insurance company manages your Medicare insurance coverage. When you choose a Medicare Advantage plan, Medicare gives your plan a certain amount of money to provide health services for you throughout the year.

In return, you get your same benefits under original Medicare, including Part A and Part B coverage, as well as additional coverage. UHC Medicare Advantage plans may offer some of the following:

UHC offers a wide variety of Medicare Advantage plans across the country. These include HMO, PPO, and SNPs, among others. To find available plans near you, visit the plan finder or call 800-MEDICARE (633-4273) for more information.