There are many health insurance providers in the United States that offer Medicare Advantage plans, but one of the largest is UnitedHealthcare. The company offers Medicare Advantage plans in many areas of the country. With a Medicare Advantage plan, you receive all of the benefits included with Original Medicare, but you may also be able to receive additional coverage options and pay less for your care.
What Do UnitedHealthcare Medicare Advantage Plans Cover?
Often referred to as Medicare Part C, a Medicare Advantage plan combines the Part A (inpatient) and Part B (outpatient) benefits of Original Medicare into one single plan. In some cases, Medicare Part D prescription drug coverage is also included in a Medicare Part C plan.
UnitedHealthcare Medicare Advantage plans may offer all or some of these benefits, but you need to know that Medicare Advantage plans offered through any insurance provider differ by location and by individual plan. Different states have different rules governing Medicare Advantage plan availability, and local economic factors can also effect costs. To add to this, no two plans are the same, so you will want to compare plans in your local area to find out what is available. With this stated, all Medicare Advantage plans must, at a minimum, provide the same Part A and Part B coverage afforded through Original Medicare benefits.
Many UnitedHealthcare Medicare Advantage plans include coverage for things like routine vision and dental care, while others may provide coverage for hearing aids and some over-the-counter medicines and healthcare products. Plan costs and benefits may vary.
Medicare Advantage Plans May Save Money
Another reason many Medicare benefits recipients choose a UnitedHealthcare Medicare Advantage plan is that these plans may save you money. Monthly premium costs vary by plan and location, but you may end up spending less through a lower premium and a higher deductible. Conversely, some plans include a higher premium and a lower deductible. These plans may save money for people who need more frequent medical care and who are able to quickly meet a deductible each year.
Additional Benefits for Staying Healthy
It’s also worth noting that some Medicare Advantage plans provide programs for staying active and healthy. Most medical professionals agree that maintaining an active lifestyle plays a key role in supporting overall health. Since insurance companies spend less on healthy members, it only makes sense that these companies would want to promote wellness. Check out programs available through Medicare Advantage plans in your area.