UHC 2012

UnitedHealthcare Medicare Solutions is a portfolio of Medicare products and part of UnitedHealth Group, which delivers innovative products and services to over 70 million Americans.A Medicare-focused health care insurance carrier for over 30 years, the Medicare Solutions from UnitedHealthcare serve one out of every five people eligible for Medicare through a variety of products, including Medicare Advantage, Medicare Supplement Insurance plans, and Medicare PartD prescription drug plans. 

Medicare Advantage plans [offered through UnitedHealthcare Medicare Solutions] offer all of the benefits covered under Original Medicare and more. Many plans also include Medicare PartD prescription drug coverage. Depending on residency, there may be several Medicare Advantage plans to choose from, including HMO, POS, PPO and PFFS plans.

  • Health Maintenance Organization (HMO) plans enable members to receive care through a network of contracted local doctors and hospitals that coordinate their care. Out-of-pocket costs are typically lower for these plans than for other plans. Some plans do not require referrals for specialty care.
  • Point-of-Service (POS) plans include all of the features of HMO plans plus the ability to go outside the contracted network for certain health care services, typically at a higher cost. Some POS plans offer open access to providers with no referrals needed.
  • Preferred Provider Organization (PPO) plans give members access to a network of contracted local doctors and hospitals, but also allow them the flexibility to seek covered services from physicians or hospitals outside of the contracted network, usually at a higher cost. Members do not need a referral for specialty care.
  • Private Fee-for-Service (PFFS) plans give members the freedom to receive care from any Medicare-approved provider who agrees to accept the plan’s terms and conditions of payment. Referrals are not needed for specialty care.

Medicare Advantage Special Needs Plans [offered through UnitedHealthcare Medicare Solutions] provide health care coverage for people with a chronic condition, those who reside in a nursing home or those who live in the community but require an institutional level of care, or who qualify for both Medicare and Medicaid (also referred to as “dual eligible”).

Medicare Supplement Insurance plans are offered to those enrolled in Medicare PartsA and B. These plans typically provide more freedom to choose doctors and hospitals, and see specialists without referrals. Medicare supplement insurance plans also offer nationwide coverage.

Medicare Part D plans [offered through UnitedHealthcare Medicare Solutions] are available in all 50 states and the five U.S. territories. These plans provide a way to add drug coverage to Original Medicare or Medicare supplement insurance coverage.

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