As you approach retirement age, you may be considering your healthcare options. While Medicare is a federal program that provides health insurance for people over the age of 65, it doesn’t cover everything. United Healthcare Supplemental Insurance can help fill the gaps in your healthcare coverage, providing you with greater peace of mind.
What is United Healthcare Supplemental Insurance?
United Healthcare Supplemental Insurance, also known as “Medigap,” is a type of health insurance that works alongside your existing healthcare coverage. Medigap policies help fill in the “gaps” in your existing coverage, including deductibles, copays, and coinsurance. By choosing a United Healthcare Supplemental Insurance plan, you can protect yourself from unexpected healthcare costs.
United Healthcare is one of the largest health insurance companies in the United States, offering a wide range of healthcare coverage options, including Medicare Advantage plans, Medicare Part D prescription drug plans, and Medigap policies. With United Healthcare Supplemental Insurance, you can be confident in the quality of the coverage you’ll receive.
What does United Healthcare Supplemental Insurance cover?
United Healthcare Supplemental Insurance plans are standardized by the federal government, which means that each plan must offer the same basic benefits. However, there are different levels of coverage available, ranging from Plan A to Plan N. The higher the plan level, the more comprehensive the coverage.
Here’s a breakdown of the benefits offered by each United Healthcare Supplemental Insurance plan:
- Plan A: This plan covers Medicare Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are used up. It also covers Medicare Part B coinsurance or copayment.
- Plan B: In addition to the benefits offered by Plan A, Plan B covers the Medicare Part A deductible.
- Plan C: This plan offers more comprehensive coverage than Plan A and Plan B. It covers Medicare Part A and Part B deductibles, as well as Part A coinsurance and hospital costs for an additional 365 days after Medicare benefits are used up. It also covers Medicare Part B coinsurance or copayment.
- Plan D: Plan D covers the same benefits as Plan C, except it does not cover the Medicare Part B deductible.
- Plan F: This is the most comprehensive United Healthcare Supplemental Insurance plan. It covers all the benefits offered by Plan C, as well as the Medicare Part B deductible.
- Plan G: This plan offers the same benefits as Plan F, except it does not cover the Medicare Part B deductible.
- Plan K: Plan K covers 50% of Medicare Part A coinsurance, as well as 50% of hospice care coinsurance or copayment. It also covers 50% of the Medicare Part B coinsurance or copayment.
- Plan L: Plan L covers 75% of Medicare Part A coinsurance, as well as 75% of hospice care coinsurance or copayment. It also covers 75% of the Medicare Part B coinsurance or copayment.
- Plan M: Plan M covers 50% of the Medicare Part A deductible, as well as 50% of hospice care coinsurance or copayment. It also covers 50% of the Medicare Part B coinsurance or copayment.
- Plan N: This plan covers the same benefits as Plan D, except it requires you to pay a copayment of up to $20 for doctor visits and up to $50 for emergency room visits.
How do I enroll in United Healthcare Supplemental Insurance?
To enroll in United Healthcare Supplemental Insurance, you must first have an existing healthcare coverage plan, such as Original Medicare (Parts A and B). You can then contact United Healthcare or a licensed insurance agent to explore your Medigap policy options. Keep in mind that there are specific enrollment periods for Medigap policies.
