UnitedHealthcare Medicare Advantage Plans Review
Fact checked Contributing expert: Kelly Blackwell, Certified Senior Advisor - Published: April 2, 2021
UnitedHealthcare offers a broad variety of services to its customers, but in some cases, out-of-pocket costs may be higher than expected.
As the largest health insurance company based in the United States, UnitedHealthcare offers trustworthy services to 35 states. The company has a wide selection of options designed to fit a variety of customers' needs, making it relatively easy to find a good Medicare Advantage Plan. In recent years, UnitedHealthcare has focused on plans with $0 copays and low monthly premiums. It's a good idea to familiarize yourself with all of the options offered by UnitedHealthcare before you make a purchasing decision.
What do UnitedHealthcare Medicare Advantage Plans cover?
UnitedHealthcare Medicare Advantage Plans work the same as other Medicare Advantage Plans, offering the same coverage as Original Medicare while adding several additional health care benefits. This additional coverage depends on the specifics of your plan and may include prescription drugs, vision or dental benefits, or health wellness programs. In many cases, you will need to find health care providers within a preapproved network, although some plans allow for out-of-network care.
What are United Healthcare Medicare Advantage Plan options?
UnitedHealthcare offers several Medicare Advantage Plans, including both Preferred Provider Organization and Health Maintenance Organization options. While monthly premiums and annual maximum out-of-pocket costs vary from plan to plan, HMOs tend to be the least expensive. However, HMOs require you to find service within the network. Conversely, PPOs come with higher annual maximums and allow you to choose any participating provider, although in-network providers are less expensive.
All of UnitedHealthcare’s plans come with a $0 annual deductible, $0 copays for primary care office visits, and free telehealth services.
Compare these five UnitedHealthcare Medicare Advantage Plan options:
|UnitedHealthcare Medicare Advantage Plans|
|Plan Name||Monthly premium||Annual deductible||Office visits||Telehealth||Emergency room||Annual maximum out-of-pocket cost|
|AARP Medicare Advantage Choice (PPO)||$38||$0||$0 primary / $40 specialist||$0||$90||$3,900|
|AARP Medicare Advantage Walgreens (PPO)||$0||$0||$0 primary / $45 specialist||$0||$90||$5,900|
|AARP Medicare Advantage Plan 1 (HMO)||$26||$0||$0 primary / $45 specialist||$0||$90||$3,900|
|AARP Medicare Advantage Access (HMO)||$0||$0||$0 primary / $35 specialist||$0||$90||$3,600|
|AARP Medicare Advantage Plan 2 (HMO)||$76||$0||$0 primary / $30 specialist||$0||$90||$3,900|
*Based on pricing in Chicago, IL
Pros and cons of UnitedHealthcare Medicare Advantage Plans
What we like about UnitedHealthcare Medicare Advantage Plans:
- $0 annual deductibles and free telehealth services
- A wide range of options that fit diverse needs and budgets
- Specialized plans for dental, eyewear, insulin, and other needs
The drawbacks of UnitedHealthcare Medicare Advantage Plans:
- Monthly premiums are a bit higher than average
- Plans are not offered in all states
UnitedHealthcare Medicare Advantage Plans reviews and ratings
UnitedHealthcare can be counted on to offer trustworthy service, with mostly positive ratings from leading organizations. While customer ratings sometimes tended to be more moderate, the overall trend points to above-average quality services.
UnitedHealthcare earned an A+ rating with the Better Business Bureau, with a total of 965 customer complaints closed in the last three years.
The National Committee for Quality Assurance gave UnitedHealthcare high ratings ranging from three to five out of five. The majority of these ratings were in the higher performance category, and none of them were ranked lower performance. Almost all of the plans were accredited with the NCQA, although a few were not.
- Sources [-]
Medicare Advantage: Medicare Advantage Plans Last accessed April 2021
UnitedHealthcare: Medicare Advantage Plans Last accessed April 2021
UnitedHealthcare: Our Story Last accessed April 2021
UnitedHealthcare Newsroom: 2021 Medicare Brings Unique Solutions Last accessed April 2021
Better Business Bureau: UnitedHealthcare of Illinois Last accessed April 2021
NCQA: NCQA Health Insurance Plan Ratings 2019-2020 Last accessed April 2021
Kelly Blackwell, Certified Senior Advisor (CSA)
Kelly Blackwell is a Certified Senior Advisor (CSA)®. She has been a healthcare professional for over 30 years, with experience working as a bedside nurse and as a Clinical Manager. She has a passion for educating, assisting and advising seniors throughout the healthcare process.