United Healthcare Review

Services and Features

United Health Care offers a wide selection of services and benefits with its Medicare supplement insurance plans. The company provides access to skilled nursing providers and related facilities. It also gives clients the opportunity to select doctors or hospitals of their preference. United Health Care provides different Medicare insurance programs such as Medicare Supplement Insurance, Medicare Special Needs, Medicare Prescription Drug, and Medicare Advantage plan.

Coverage

United Health Care offers seven Medicare Supplement insurance plans. Each plan provides full coverage of basic benefit items plus supplementary coverage. Below is a brief description of its Medicare Insurance plans and coverage.

Plan A

• First three pints of blood
• Part B co-insurance and/or co-payments
• Part A hospice co-insurance or co-payment
• Part A hospitalization co-insurance, plus hospital costs for up to an extra 365 days after Original Medicare benefits are exhausted

Plan B

• 100% coverage of the Part A deductible
• All plan A benefits

Plan C

• 100% of Part B deductible
• 100% of Part A co-insurance for skilled nursing facility care
• All Plan B benefits
• Foreign travel emergency health care up to plan limits

Plan F

• Foreign travel emergency coverage up to plan limits
• All Plan C benefits
• 100% of Part B excess charges
• Comes in a high-deductible version where the policyholder will be responsible for all Medicare covered costs until they reach the plan deductible amount

Plan K

• 50% of the cost for the first three pints of blood
• 50% Part A deductible
• 50% Part A hospice co-insurance or-co-payment
• 50% Part A deductible
• 50% Part B co-insurance or co-payment
• 100% coverage of Part A co-insurance and hospital costs for up to an extra year after Original Medicare benefits are exercised
• Annual out-of-pocket cap which varies from year to year

Plan L

• Covers same benefits as Plan K except that the benefits covered at a partial amount are covered at a higher amount. It includes a lower annual out-of-pocket limit than Plan K which varies year after year.

Plan N

• 100% of the Part A deductible
• All of the basic benefits listed above
• 100% of Part A co-insurance for skilled nursing
• 100% or the Part B co-insurance except for co-payments of up to $20 for some doctor visits and up to $50 co-payment for emergency room visits that do not result in an inpatient admission.
• Foreign travel emergency health care up to plan limits

Qualifications

People age 65 and older are qualified for Medicare insurance plans at United Health Care. This is also available for individuals under 65 with disabilities or those who qualify under the company’s special situation guidelines.

Pricing Details

Medicare Supplement insurance rates depend on the type of plan availed, client’s eligibility, and location. Best rates are provided for individuals who are 65 years and older.

Sample Policy (Plan C Part A, $223 Standard Rate, Zip Code: 98101, Date of Birth: 02/02/1953)

Summary

United Health Care gives people the power of choice by offering seven Medicare supplement plans. These plans also offer flexibility in terms of client eligibility and needs. Cost-estimate tools are available for helping people create a Medicare supplement insurance plan that is both suited for their health care needs and budget.