United Healthcare Medicare Advantage Plans
You can buy Medicare Advantage plans from many different medical insurance providers, but you might want to consider United Healthcare as your future insurer. This company has an extensive network that makes it really easy to find coverage, and they have a great customer service reputation that makes them a premiere choice for seniors looking to get value out of their health insurance plans. United Healthcare Medicare Advantage plans offer seniors a great way to save money and enjoy peace of mind. Enrolling with them is something that every senior should consider once they are eligible for Medicare.
How Medicare Advantage Protects You
Advantage plans are great for providing seniors with all of the coverage they need to keep their out-of-pocket healthcare costs down to a minimum. If you have a lot of medical bills to pay each year, then you may benefit from a Medicare Advantage plan.
United Healthcare offers a basic Advantage plan that will cover you for all of the following medical expenses:
Urgent care (medications, medical tests, doctor’s visits, and more)
All but three pints of blood every year
Visits to your doctor
This is all covered by every single Advantage plan, and it is a requirement of Medicare’s that all health insurance companies that sell Advantage plans include this foundational overage. You can count on these items being covered no matter which of the Advantage plans you enroll in.
Compare 2020 Medicare Advantage Plans
United Healthcare also sells Advantage plans that take all of that basic coverage and go a few steps further. They can cover you for prescription medication costs (or at least partially) with a Medicare Part D plan that can be included in the coverage. They can also cover routine eye exams, ear exams, general wellness visits and even trips to the dentist. You can be covered as well for any new eyeglasses or hearing aids that you require.
How much of this coverage is applicable to you? You are able to upgrade to a higher coverage plan later on, if that is what you need. Some seniors are not sure what kind of coverage would work best for them, and in those situations, we recommend they talk to their doctor about the kind of medical expenses they might need to be ready for. We can also help you plan out your coverage. Feel free to give us a call and get expert advice about health insurance. It won’t cost you a thing to do so, and it can really help you to find the best plan for your needs.
Comparing United Healthcare’s Advantage Plan Costs
If you are going to get a Medicare Advantage plan that works well for you, then you need to consider how much it costs and compare the cost among different insurance plans. Medicare Advantage isn’t going to be affordable for every senior. Some people need less expensive plans, but Medicare Advantage can be pretty inexpensive as well. You can get some for as low as $0 a month from United Healthcare. These are pretty popular, and they are available in most areas of the country. Be warned, however, that when you get a plan with such low monthly premiums, you will have to make up for that with a higher-than-normal deductible. You are also responsible for paying for the premiums on Medicare Part A and Part B, since they are included in all Medicare Advantage plans.
United Healthcare Medicare Advantage plans will cost you around $45 per month for the average plan. There are some lower and higher priced options available, but you will want to compare the cost of their plans to that of other insurers. You can do that using our website, if you wish. It’s a lot quicker to get your quotes through our site than it is to try to source them on your own. You could go from one insurance company to another and request a quote, but this takes time. Our site gives you a list of quotes in a matter of moments. You can’t find faster results anywhere else.
United Healthcare probably won’t have the cheapest prices on Medicare Advantage. Insurers like Blue Cross, USAA and Humana are known for cheaper prices, but United Healthcare is offering more than just the simple medical benefits with its plans. By choosing United Healthcare, you get access to their expansive network of clinics and hospitals and such. You can also benefit from their member perks, like gym membership all across the country, personalized dieting and exercising plans, discounted nonessential medical services (including chiropractor care and acupuncture in some areas of the country) and so much more. There are definite advantages to enrolling with United Healthcare, even if the prices are not always the most competitive.
The Network You Choose Matters
We have told you already that United Healthcare can boast one of the biggest networks in the country, but you might not fully understand what that means. A medical insurance network is made up of all the medical facilities (pharmacies, clinics, doctor’s offices, hospitals) that have agreements with the insurance company. So, United Healthcare has agreements with a lot of them. All of the medical care facilities that are on its network will honor United Healthcare’s Medicare Advantage plans.
As long as you stay within their network, you will be okay. You get full coverage as detailed in your plan. What happens when you go outside of the network, though? Well, you get no coverage or only partial coverage, even though you are paying for a Medicare Advantage plan that is supposed to be protecting you from paying so much for medical services.
The standard Advantage plan is called an HMO plan, and this will cover you only on the network. It’s simple and competitively priced, so most people will enroll in that, if they live in their insurer’s network area. For those who live outside the network area or who travel often and may not always be near a network facility when they need medical care, there are PPO plans. These are Medicare Advantage plans that offer partial coverage for outside-the-network medical care. They also have full coverage for in the network, and they cost you more than an HMO plan will.
If you are not sure which these you qualify for, or if you want to look at some other options, then please give us a call. We can help you figure out what your choices are and if United Healthcare or Medicare Advantage would be right for you.
Feel free to use our site to find what United Healthcare Medicare Advantage plans are available in your area and to compare them to some of the other choices. Our site helps seniors like yourself to save some money and find suitable health insurance. The prices here are updated when you perform a search, so they are always up to date and completely accurate. Try a search for United Healthcare Advantage and see how much it will cost you. It may be more affordable than you think.