UnitedHealthcare
Offers comprehensive Medicare Advantage (Part C) plans that bundle Part A, Part B, and usually Part D prescription drug coverage, with many 2026 plans featuring $0 premiums. These plans often include extra benefits like dental, vision, hearing, and fitness memberships. Options include PPO, HMO, and Special Needs Plans (SNPs) tailored for specific health conditions or needs.
Key Features of UnitedHealthcare Medicare Advantage Plans
- Plan Types: Offers PPO (including National PPO for employers), HMO, and Special Needs Plans (SNPs).
- Costs: Many 2026 plans offer $0 premiums and $0 copays for primary care, labs, and preventive care.
- Extra Benefits: Includes routine dental, vision (with increased, over $20, allowance for eyewear), hearing, and fitness programs.
- UCard®: A single member ID card used to access benefits, pay for over-the-counter (OTC) products, and pay for covered services, transitioning to magstripe technology for 2025.
- Prescription Drugs: Most plans include Part D coverage with options for low copays via Optum® Home Delivery Pharmacy.
- Network: Features broad provider networks with some PPO options allowing out-of-network coverage.
Eligibility and Enrollment
- Eligibility: Generally available to those 65 or older, or with qualifying disabilities.
- Enrollment Periods: Initial Enrollment Period (IEP) (when turning 65), Annual Enrollment Period (AEP, Oct 15–Dec 7), or Medicare Advantage Open Enrollment Period (MA OEP, Jan 1–Mar 31).
Specific Plan Options
- Veteran Plans: Specialized plans for veterans, including the Patriot Plan, designed to complement VA health benefits.
- Dual Special Needs Plans (D-SNP): Plans for individuals eligible for both Medicare and Medicaid, offering extra support.
- Group Plans: Tailored plans for retirees
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