at a glance
- UnitedHealthcare offers eight different Medicare supplement (Medigap) plans in 2021.
- Plans A, B, C, F, G, K, L, and N are the available options through UnitedHealthcare.
- Plan C and Plan F provide coverage for the Part B deductible but are available only to people who were eligible for Medicare before January 1, 2020.
From its 1974 founding in Minnesota, UnitedHealthcare has grown to be the second-largest healthcare company in the United States.
It offers plans all over the nation, including:
UnitedHealthcare’s Medicare plans are endorsed by AARP and include some extra programs and discounts.
In 2021, the company offers eight Medicare supplement plans, with a wide range of cost and coverage options.
UnitedHealthcare Medicare supplement plans are designed to help you pay less money out of pocket when you receive medical care.
These plans are designed to cut down on the expenses that would typically fall to you, such as deductibles and copayments. The exact costs that are covered depend on the specific plan you choose.
All plans offered by UnitedHealthcare include coverage for:
- Part A hospital coinsurance charges. After 60 days in a hospital, you’ll be charged a per-day coinsurance cost. All UnitedHealthcare Medigap plans cover these costs.
- Part B coinsurance charges. Generally, Medicare pays 80 percent of the cost of all covered services, and you pay the remaining 20 percent in the form of coinsurance. All Medigap plans from UnitedHealthcare offer some coverage for this cost. Some cover 100 percent of your coinsurance costs, while others will cover a percentage.
- Your first three pints of blood. Blood is often donated to hospitals and medical centers and available at no cost to you. However, for times when there is a cost, Medigap plans can help you cover the first three pints. Some plans offer complete coverage, while others will pay a percentage of the total cost.
- Hospice care. You can use your UnitedHealthcare Medigap plan to get extra coverage for end-of-life hospice care. Many plans cover any costs entirely, while others cover a large percentage of costs that would fall to you.
Additional costs covered by some plans include:
- Part A deductible. Some plans include complete coverage of the Part A deductible, which you’ll be charged for each benefit period.
- Skilled nursing facility coinsurance. Original Medicare covers your stay on days 1 through 20 at a skilled nursing facility. Starting on day 21, you’ll be charged a coinsurance payment per day. Some UnitedHealthcare Medigap plans offer coverage for this charge.
- Part B excess charges. Part B excess charges include any cost above the Medicare-approved amount that might be billed to you in some cases. For example, if a lab test costs $115 but the Medicare-approved amount is $100, the additional $15 can be charged to you. Some Medigap plans will cover this cost for you.
- Foreign travel. You can’t normally use Medicare to get care while you’re traveling out of the country. However, some Medigap plans do include foreign travel coverage. This allows you to get emergency care when you’re outside the United States.
Only two Medigap plans, Plan C and Plan F, offer coverage for the Part B deductible. However, due to a change in the law, you’ll need to have been eligible for Medicare before January 1, 2020, to buy one of these plans.
If you became eligible for Medicare after January 1, 2020, you won’t be able to buy Plan C or Plan F, and you won’t be able to get coverage for the Part B deductible.
Check out the details of what each plan offered by UnitedHealthcare covers in the table below:
|Plan A||Plan B||Plan C||Plan F||Plan G||Plan K||Plan L||Plan N|
|Part B deductible||no||no||yes||yes||no||no||no||no|
|Part A deductible||no||yes||yes||yes||yes||50%||75%||yes|
|Part A hospital coinsurance||yes||yes||yes||yes||yes||yes||Yes||Yes|
|Part B coinsurance||yes||yes||yes||yes||yes||50%||75%||yes (but with copays)|
|Skilled nursing facility coinsurance||no||no||yes||yes||yes||50%||75%||yes|
|Part B excess charges||no||no||no||yes||yes||no||no||no|
|Blood (first 3 pints)||yes||yes||yes||yes||yes||50%||75%||yes|
|Foreign travel emergencies||no||no||yes (80%)||yes (80%)||yes (80%)||no||no||yes (80%)|
UnitedHealthcare Medigap plan extra benefits
UnitedHealthcare Medigap plans also offer a few additional benefits. These benefits are available no matter which UnitedHealthcare Medigap plan you select.
The benefits include:
- gym membership with access to a variety of classes
- dental care discounts
- vision care discounts
- hearing care discounts
- access to a 24/7 nurse line
- access to a brain health program through a partnership with AARP Staying Sharp
- access to a driving refresher course and possible car insurance discount through a partnership with AARP Smart Driver
UnitedHealthcare offers eight distinct Medigap plans. The right plan for you depends on your:
- healthcare needs
The 2021 UnitedHealthcare Medigap plans are:
- UnitedHealthcare Medicare Supplement Plan A. Plan A is a low cost option with coverage for essentials like hospice care and hospital coinsurance.
- UnitedHealthcare Medicare Supplement Plan B. Plan B also offers low premiums but adds in coverage for the Part A deductible.
- UnitedHealthcare Medicare Supplement Plan C. Plan C offers extensive coverage, including the Part B deductible.
- UnitedHealthcare Medicare Supplement Plan F. Plan F covers everything Plan C does, with additional coverage for Part B excess charges.
- UnitedHealthcare Medicare Supplement Plan G. Plan G coverage is a great option if you want the comprehensive coverage of a plan like C or F but weren’t eligible for Medicare before January 1, 2020.
- UnitedHealthcare Medicare Supplement Plan K. Plan K has lower premiums and works on a cost-sharing model, meaning you’ll pay a percentage of some covered costs.
- UnitedHealthcare Medicare Supplement Plan L. Like Plan K, Plan L works on a cost-sharing model. However, a lower percentage of costs will be billed to you with Plan L.
- UnitedHealthcare Medicare Supplement Plan N. Plan N also has cost-sharing for some charges, but it offers complete coverage for skilled nursing facilities and includes foreign travel coverage.
Your costs will depend on where you live and the plan you choose, as well as your age and gender.
The example prices below are the monthly premium costs for a 67-year-old woman in good health.
|Pittsburgh, PA||Lexington, KY||Denver, CO||Kansas City, KS||San Diego, CA|
|UnitedHealthcare Medicare Supplement Plan A||$72.89||$88.75||$91.45||$110||$107.70|
|UnitedHealthcare Medicare Supplement Plan B||$127.18||$115.13||$122.77||$155.75||$153.93|
|UnitedHealthcare Medicare Supplement Plan C||$170.64||$142.89||$172.69||$189.25||$182.24|
|UnitedHealthcare Medicare Supplement Plan F||$170.95||$143.50||$173.19||$191.50||$182.91|
|UnitedHealthcare Medicare Supplement Plan G||$129.77||$110.56||$125.62||$147||$145.72|
|UnitedHealthcare Medicare Supplement Plan K||$52.91||$46.05||$43.04||$63.50||$57.95|
|UnitedHealthcare Medicare Supplement Plan L||$89.21||$88.75||$81.40||$106.50||$102.34|
|UnitedHealthcare Medicare Supplement Plan N||$111.02||$98.82||$108.87||$128||$123.44|
Choosing the right Medicare coverage is important. The more you know about the available options, the better informed your choice can be. Read on for answers to a few common questions about UnitedHealthcare Medicare plans
Are there any Medicare supplement plans UnitedHealthcare doesn’t offer?
Yes, there are. UnitedHealthcare doesn’t offer Plan D or Plan M.
Plan D is very similar to Plan G. It offers comprehensive coverage for people who can’t buy or who don’t want to buy Plan C or Plan F. However, unlike Plan G, Plan D doesn’t cover Part B excess charges.
However, when you use Plan N, you’ll have some copayments for Part B services. Plan M covers those charged completely.
If you’re interested in Plan D or Plan M, you’ll need to buy it from different company. You can search for specific plans in your area on the Medicare website.
Is there anything UnitedHealthcare Medicare supplement insurance doesn’t cover?
UnitedHealthcare Medicare supplement plans aren’t prescription drug coverage. You’ll need a Medicare Part D plan to cover those costs.
Additionally, Medigap plans don’t cover services that original Medicare doesn’t cover.
While you can receive discounts on things like vision care or use your Medigap plan for medical care in a foreign county, you won’t have additional coverage for things not covered by Medicare.
For example, Medicare never covers elective or cosmetic surgeries. So, a Medigap plan won’t help you get coverage for these types of procedures either.
Does a UnitedHealthcare Medicare supplement insurance plan replace Medicare parts A and B?
No. A Medigap plan from UnitedHealthcare works alongside Medicare parts A and B.
It covers costs typically charged to you, like coinsurance amounts. However, your primary coverage still comes from parts A and B.
Medigap plans cover the costs charged to you when you use original Medicare. You’ll pay an additional premium when you have a Medigap plan, but you’ll pay less when you receive care.
A Medigap plan can help you plan and budget your expenses. You’ll know exactly what you’re paying each month, and you’ll always know how much it will cost to visit the doctor or receive other care.
Medigap plans are offered by private insurance companies, like UnitedHealthcare, but they’re overseen by Medicare. Medigap plans are the same no matter where you live or what company sells them, though many companies include extra coverage.
The basics of what each letter plan covers is regulated by Medicare and must be offered by all companies. So, for example, Plan N covers the same costs no matter what company you buy it from.
Plans are also consistent across states, with the exception of:
Those three states have their own Medigap plans and rules. In all other states, the same letter plans are available. However, not all companies operate in all states, so the prices and plans available to you will vary.
A Medigap plan isn’t prescription drug coverage. You’ll need a Medicare Part D plan to get that coverage.
Many Medicare Advantage plans also offer Part D coverage — but you can’t use a Medigap plan and a Medicare Advantage plan together. Medigap works only with original Medicare.
So, you’ll need to decide whether a Medigap or Medicare Advantage plan suits your needs best.
UnitedHealthcare offers Medigap plans around the country.
Plans are endorsed by AARP and include many extras such as the AARP Safe Driver program and discounts on vision, dental, and hearing care.
Your cost for a UnitedHealthcare Medigap plan depends on your age, gender, and location.