You have probably heard of UnitedHealthCare and perhaps you have had an insurance plan through them at some point. UHC is very popular among folks for their Medicare insurance. We will be reviewing Medicare supplement plans insured by UHC in detail.
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Company Background
Founded in 1977, UnitedHealth Group Inc is a for-profit health care company, they are headquartered in Minnetonka, Minnesota.
As of 2018, they were ranked #5 on the Fortune 500 largest US corporations by total revenue. Their revenue in 2018 was $226 billion. They publicly traded under the stock symbol UNH.
UHC offers many different healthcare products such as commercial group plans, individual plans, and Medicare insurance coverage.
UHC Medicare Supplement Plans and Rates
UnitedHealthCare Medigap plans are offered in every state in the U.S. In most states they are competitive on price. The company has shown a stable history of rate increases over the past several years, better than most carriers.
We offer a live quoting tool on our website which allows you to see rates for top carriers before you purchase. To start your free quote go here.
Why Are UnitedHealthcare Medicare Plans So Popular?
As many of you know UHC is very popular. UHC does a very good job with their marketing and branding campaigns. They are partnered with AARP for their Medicare supplements. AARP handles the promotion and UHC in the insurer. You do need to be an AARP member at time you sign up for a UHC Medicare Supplement plan.
With a Medicare Supplement plan through UHC you receive the following benefits:
- Gym benefit (where available)
- Household discount (when applicable)
- Vision discounts through Eyemed (where available)
- Other great discounts and benefits
- Guaranteed renewable coverage for life
- Portable coverage – can see ANY doctor that accepts Medicare
UHC currently offers plans F, G and N (also other not so popular plans such as A and K). They starting offering the Plan G in 2017 and now it has become their most popular plan.
Their rates vary by state and can vary in price depending on age, and location. It is important to understand what other carriers are charging before you enroll in a plan.
We work with UHC and many other carriers.
Call us at (800) 208-4974 for a free quote comparison today!
UHC Medicare Supplement Gym Benefit
In many states the popular “Silver Sneakers” benefit was removed in 2018, instead, it was replaced with their own gym program referred to as Renew Active”. This program allows policyholders to go to participating gyms at no cost. You can view participating gyms here.
Currently, SilverSneakers is still offered in the following states when you purchase a Medicare Supplement with UHC.:
Colorado, Nebraska, Arkansas, Georgia, South Carolina, Virginia, Pennsylvania and the District Of Colombia.
But Aren’t UHC Plans “Community-Rated”?
In most states, UHC Medicare Supplement plans are community-rated. In some states like Florida, Georgia, and Arizona they are “issue age.”
In situations where they are community rated, it is important to understand what “community-rated” means. Community-rated is when the rate is the same for everyone in a specific area, regardless of age. The rates will only increase when the carrier increases everyone’s rates at the same time.
The downside with a community-rated plan from UHC is that you will have an “early enrollment” discount that will diminish each year, causing the rate to increase every year. In addition, you may have an “inflation” increase or adjustment each year.
The rate may not increase due to age on a community-rated plan but the rate will probably increase similar to an age-attained policy or issue-age due to the diminishing “early enrollment discount.”
UHC Medicare Supplement Plan F
Medicare Supplement Plan F is the most comprehensive policy available. This plan covers 100% of everything that Medicare doesn’t fully cover. Plan F was previously looked at as the “best” plan, now a lot of folks are seeing the value of the G and N plans.
In addition, Plan F will not be available to folks who turn 65 after January 1st, 2020, therefore Plan G and N will be the “Go-To” plans.
| Medicare Benefits | UHC Plan F |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | 100% |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
UnitedHealthcare Medicare Supplement Plan G
UHC Medicare Supplement Plan G is almost identical to Plan F, the only benefit that is not covered is the Part B deductible of $198 in 2020. Plan G policyholders enjoy a lower monthly premium in return for paying the Part B deductible.
The premium savings between G and F are almost always more than the Part B deductible plus some. So you end up coming out ahead going with the G plan. In addition, Plan G offers more rate stability, in the long-run.
To get a free quote call us directly at (800) 208-4974.
| Medicare Benefits | UHC Plan G |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | 100% |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | 100% |
| Foreign Travel Emergency (up to $50k) | 100% |
UHC Medicare Supplement Plan N
UHC Medicare Supplement Plan N is a great option. Plan N is very similar to Plan G with the exception of some office visit copays of $0-$20 per visit and Part B excess charges.
With a Plan N, you can expect to have an office visit copay of $0-$20, each time you see a doctor. In addition, Part B excess charges are not covered. You still have full coverage in the hospital like Plan G.
Plan N is a great option for folks who wish to have an affordable monthly premium and still retain great coverage.
| Medicare Benefits | UHC Plan N |
|---|---|
| Medicare Part A coinsurance & hospital costs (up to 365 additional days after Medicare benefits are used up) | 100% |
| Medicare Part B Coinsurance or copayment | $0-$20 Office Copay |
| Blood (first 3 pints) | 100% |
| Part A hospice care coinsurance or copayment | 100% |
| Skilled nursing facility coinsurance | 100% |
| Medicare Part A deductible | 100% |
| Medicare Part B deductible | X |
| Medicare Part B excess charges | X |
| Foreign Travel Emergency (up to $50k) | 100% |
What Plan Should I Buy?
There are many different options for your Medicare coverage. We understand it is an important decision to make. If you are someone who wants to have full coverage, we recommend a Plan G, those who want to pay a bit less per month and take on the office visit copays, we recommend a Plan N.
If you are someone who wants a really low premium than maybe a Medicare Advantage plan would be a good fit.
Either way, it is important to review ALL of your options. We work with all companies and ALL plans.
Why work with Bluewave Insurance?
Our team at Bluewave Insurance is dedicated to helping you choose the best plan for your needs. We work with all Medigap plans and Medicare Advantage plans.
Our licensed agents can review your options with you and provide you quotes for the plans you are interested in.
We will review your coverage with you each year with our “Rate Lookout Program” and you will enjoy our free claims support for life!
What To Do Next?
- If you are looking for quotes – We can provide you with a free rate comparison for all plans and companies, call us directly at (800) 208-4974 or use our online quoting here.
- If you have general questions related to Medicare – or questions particular to UHC call us at (800) 208-4974
- If you are not ready to speak with us – feel free to read more about Medicare carriers here.
UHC/AARP Medicare Supplement Review
- Customer Service
- Rate Stability
- Claims Handling
- Market Experience
UHC Medicare Supplement Review
Contact us today at (800) 208-4974 for a free quote comparison.
Alex Wender is the founder and CEO of Bluewave Insurance. He has been blogging about Medicare-related topics since 2010. Since then, he and his agency have helped thousands of people across the country choose the right Medicare to fit their needs.