Medicare Advantage

UnitedHealthcare (AARP) 2019 Medicare Advantage Plans & Medigap Overview

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UnitedHealthcare is the largest provider of Medicare Advantage plans with over 4 million members. The company has been providing Medicare coverage for 40 years, continually improving on their offerings to meet the needs of a growing Medicare population. Nearly one in five Medicare beneficiaries has a UHC plan, which offers plans in all 50 states and the District of Columbia.

The company partners with AARP to offer Medicare Advantage, Part D drug and Medigap plans under the AARP brand. They offer several types of Medicare Advantage plans, including HMO, PPO, POS and Special Needs plans. Nearly all plans cover routine vision and hearing, while most plans offer preventive dental benefits. An extensive provider network makes these plans an attractive choice for many seniors.

UnitedHealthcare continues to expand its Medicare offerings into additional service areas. Overall, the company has an outstanding credit rating, with A.M. Best upgrading the company’s Long-Term Issuer Credit Ratings from “a” to “a+’ and affirming their Financial Strength Rating of A (Excellent). CMS star ratings of UnitedHealthcare Part C and D plans vary by service area, but most plans score in the 3.5 to 4 star range. No plans received a 5-star rating overall for 2019. 

In addition to Medicare plans, UnitedHealthcare offers plans for individuals, employer groups and Medicaid recipients. The company is headquartered in Minnetonka, Minnesota. 

United Healthcare/AARP Medicare Advantage in 2019

As with any Medicare Advantage company, United Healthcare sells a wide range of options to people across the country. Most people have access to an AARP Medicare Advantage plan in 2019. For example, you’ll find the following options in Marion County, Oregon:

  • AARP Medicare Complete Plan 1 HMO
  • AARP Medicare Complete Plan 2 HMO
  • AARP Medicare Complete Choice

Here’s some basic info about those plans to give you an idea of the kind of coverage you’ll find with UnitedHealthcare/AARP.

AARP – UHC (United Healthcare) Medicare Advantage 2019


Medicare Complete Plan 1 HMOMedicare CompletePlan 2 HMOMedicare Complete Choice
Monthly premium$74$0$35
Copay (primary)$0$0$0
Deductibles$0 for medical$205 for drug (tiers 3-5)$0 for medical $275 for drug (tiers 3-5)$0 for medical  $200 for drug (tiers 3-5)
NetworkIn-network coverage onlyIn-network coverage onlyIn-network coverage only
Rx coverage?YesYesYes
Rx cost$4 copay for tier 1$4 copay for tier 1$3 copay for tier 1
Special featuresDental, hearing exam and eyewear benefits; acupuncture, chiropractic and health club; $50 credit for over-the-counter itemsEyewear, hearing exam ($5) and health club benefitsChiropractic, acupuncture and hearing exams; health club access and $50 credit for OTC items; travel benefits
Out-of-pocket max$3,500$5,900$4,900
CMS Star Rating444

Have Questions About United Healthcare / AARP Medigap Plans For 2019?

Medicare Advantage has become an increasingly popular option for Medicare enrollees, but it doesn’t work for everyone. If you want to sign up for original Medicare or need to keep it because it’s a better plan for you, then you may also need some help covering out-of-pocket expenses. Medigap – also known as Medicare supplement insurance – can cover the gaps left by original Medicare. 

There are 10 plan types with Medigap, labeled A through N. Each of these plans is standardized at the federal level. Massachusetts, Minnesota and Wisconsin are the only states that don’t standardize their Medicare supplement plans in the same way. In every other state in the country, you’ll find that Plan C, for example, looks the same in New Mexico and Florida, whether you buy it from United Healthcare or another company. The difference is in how much the plan costs and the reputation of the company selling it.

United Healthcare sells Medigap plans in all 50 states and the District of Columbia, but plan availability varies by zip code. The company offers the following standardized Medicare supplement plans in 2019: A, B, C, F, G, K, L and N. In some areas, you may find “Select” versions of Plans C and/or F, which limit your coverage to a specific network in exchange for lower premiums.

UnitedHealthcare Medigap Plan A

Medigap Plan A from UnitedHealthcare covers the basic benefits of Medicare supplement plans. It’s not as comprehensive as other plans, but it can provide good coverage if you just need the basics. We’ve used information from Marion County, Oregon, to give you an idea of the rates for AARP plans. For a 65-year-old, Medigap Plan A from UnitedHealthcare/AARP would cost about $85 a month. It covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part B coinsurance or copayment
  • The first three pints of blood

UnitedHealthcare Medigap Plan B

AARP also sells Medigap Plan B, which covers an extra benefit that Plan A doesn’t (the Medicare Part A deductible). You may not have hospital expenses in 2019, but if you know you will or suspect that you might, it’s a good idea to get Medigap supplemental insurance to cover some of your out-of-pocket expenses. For our 65-year-old living in Marion County, Oregon, the cost of an AARP Medigap Plan B policy is about $136 a month. This plan covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Part B coinsurance or copayment
  • The first three pints of blood

UnitedHealthcare Medigap Plan C

Medigap plans tend to cover more the longer down the alphabet you go, and that’s the case with Medigap Plan C. AARP sells Plan C in every state, and in some states, you can get a “Select” version of the plan. Select versions cost less, but they include a tighter network of providers. In Oregon, our 65-year-old would pay $157 a month for Plan C from UnitedHealthcare or $134 a month for the Select version. Either plan would cover:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

Starting January 1, 2020, Medigap policies will no longer cover the Medicare Part B deductible. Since Plan C covers this deductible, it won’t be offered beginning next year. It’s one of two plans that won’t be offered starting in 2020 (Plan F being the other one). You’ll still be able to buy Plan C or Plan F in 2019 – and keep it for as long as you like, even beyond 2020 – but no new policies will be sold in 2020. That means these plans could become more expensive over time.  

UnitedHealthcare Medigap Plan F

Most companies that sell Medigap policies sell Medigap Plan F, which is the most comprehensive Medicare supplement plan that you can buy. It’s also usually a good deal, with UnitedHealthcare being among the companies that price these plans well. A 65-year-old Oregonian would pay about $158 a month for Medigap Plan F, which is only $1 more than Plan C. But Medigap Plan F covers everything that Medigap can, making it a good value if you need a lot of supplemental coverage. With this plan, you’re covered for:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

As with Plan C, UnitedHealthcare offers a “Select” version of Plan C in some areas. You’ll pay less ($134 a month for our 65-year-old in Oregon) but have a smaller, more defined network. Medigap Plan F covers everything, which means you’ll have nearly no out-of-pocket costs aside from the premium for the plan. If you see doctors often or have a medical condition that requires regular care, then Plan F is an excellent choice to complement original Medicare. But keep in mind that Plan F won’t be offered after this year.

Some companies offer a high-deductible version of Medigap Plan F. We couldn’t find a high-deductible version from AARP/UnitedHealthcare in any state, but you should get a customized quote based on where you live to make sure. It’s the best way to find out what options you have for Medicare supplement coverage – from this or any company.

UnitedHealthcare Medigap Plan G

Medigap Plan G from AARP provides a good alternative to Plan F. This plan covers everything that Plan F covers except for the Part B deductible. That deductible is $185 for the year in 2019, and since Plan G costs less than Plan F, you may save money by choosing Medigap Plan G even if you have to pay the Medicare Part B deductible yourself. For a 65-year-old in Marion County, Oregon, Plan G from AARP/UnitedHealthcare costs about $131 a month, saving you about $27 a month over Plan F. With Plan G, you get coverage for:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

UnitedHealthcare Medigap Plan K

Most Medigap supplement plans from UnitedHealthcare and all other companies that sell them cover benefits in full. Medigap Plans K and L work a bit differently. Instead of full coverage right off the bat, the plan pays for a set percentage until you hit an out-of-pocket cap for the year (and meet your Part B deductible). Once you hit that cap, the plan will pay 100 percent benefits for the rest of the calendar year. AARP offers both Medigap Plans K and L. With Plan K, you’ll get the following benefits:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • 50% of the Part A hospice care coinsurance or copayment
  • 50% of the Part A deductible
  • 50% of the skilled nursing facility coinsurance
  • 50% of the Part B coinsurance or copayment
  • 50% of the first three pints of blood

The trade-off for having to cover some portion of these services yourself is that Plans K and L cost much less than other Medigap policies. For a 65-year-old living in Oregon, an AARP Medigap Plan K policy would cost about $45 a month. The annual out-of-pocket cap for Plan K, which is set at the federal level, is $5,560 in 2019.

UnitedHealthcare Medigap Plan L

Like Medigap Plan K, Medigap Plan L covers benefits with some cost-sharing requirements. But Plan L does cover benefits at a higher percentage than Plan K (75 percent vs. 50 percent). UnitedHealthcare/AARP sells both plan types, so you’ll need to compare the costs of each one to see which is a better value for you. A 65-year-old Oregonian would pay a little under $89 a month for Plan L, which is about twice the cost of Plan K. Medigap Plan L covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • 75% of the Part A hospice care coinsurance or copayment
  • 75% of the Part A deductible
  • 75% of the skilled nursing facility coinsurance
  • 75% of the Part B coinsurance or copayment
  • 75% of the first three pints of blood

As with Plan K, Medigap Plan L also costs less than other Medigap plans and includes an out-of-pocket cap on expenses for the year. In 2019, the cap for Medigap Plan L is $2,780 (half the amount of Plan K). After you spend that much out of pocket and meet your Medicare Part B deductible, the plan pays for 100 percent of covered benefits for the rest of the calendar year.

UnitedHealthcare Medigap Plan N

Medigap Plan N offers the same benefits as Plan G, with a few notable exceptions. It doesn’t cover Medicare Part B excess charges – which is the difference between what a doctor charges and what Medicare will cover (only assessed if you use a non-Medicare-contracted provider) – and it requires some cost sharing for doctor’s visits and trips to the emergency room. In Oregon, you’ll pay about $106 a month for Medigap Plan N from UnitedHealthcare. This plan covers:

  • Part A coinsurance and hospital costs (up to 365 days after Medicare hospital benefits end)
  • Part A hospice care coinsurance or copayment
  • Part A deductible
  • Skilled nursing facility coinsurance
  • Part B coinsurance or copayment
  • The first three pints of blood
  • 80% of foreign travel medical expenses (up to the plan limit)

Regular office visits require a copay of up to $20 per visit with Medigap Plan N, and trips to the ER that don’t result in an inpatient admission to the hospital will cost up to $50 per visit. These cost-sharing amounts make Plan N less expensive per month than Plan G, but you’ll need to calculate the savings vs. your out-of-pocket costs to see if it’s worth it for you.

If you’re not sure which plan will work for you, don’t worry. We can help. Our team of Medicare experts can answer your questions and guide you to the plan that fits your needs and budget. Get a customized quote today to see which Medicare Advantage or Medicare supplement plan will work for you.

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1-800-810-1437TTY 711
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