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    What are Medicare Advantage plans?

     

    Medicare Advantage (Part C) plans offer all the benefits of Original Medicare, many with extras like dental, vision, and hearing benefits. Most include prescription drug coverage.

    Find a plan

    Answer a few questions to find a UnitedHealthcare Medicare plan that fits your needs.

     

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    Why should I choose a UnitedHealthcare Medicare Advantage plan?

     

    UnitedHealthcare is America’s most chosen Medicare Advantage brand1, with

     

     

    • Monthly plan premiums as low as $0
    • $0 annual physical exams, lab tests and preventive care
    • Rewards for healthy activities and more2
    • Large Medicare Advantage provider network, including doctors and specialists
    • $0 copays for virtual medical and mental health visits3
    • UCard from UnitedHealthcare, which opens doors to a network of Medicare Advantage providers and rewards for health activities4

    What Medicare Advantage plans are available from UnitedHealthcare? 

     

    UnitedHealthcare Medicare Advantage plans include Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Private Fee-for-Service (PFFS) plans, and Special Needs plans (SNPs). Not all plans are available in all areas.

    How much does a Medicare Advantage plan cost?

     

    Costs may include a premium you pay for the plan, a deductible you pay for services until coverage begins, and cost sharing like copayments and coinsurance for some of the care you receive.

    Monthly premium

    A fee you pay to the plan for coverage. Some Medicare Advantage plans have a low or even $0 monthly premium. You may still need to pay a premium for Part B coverage.

    Annual deductible

    The amount you pay out of pocket for health care before your plan begins to pay. Most Medicare Advantage plans only have a prescription drug deductible.

    Copayment (copay)

    A set amount you pay for a covered medical service or prescription drug. For example, some plans might charge a $40 copay each time you see a specialist.

    Coinsurance

    A percentage of the total cost for a covered medical service or prescription drug. You pay the coinsurance and your plan pays the remaining amount.

    Who is eligible for a Medicare Advantage plan?

     

    Most people become eligible for Medicare coverage when they turn 65 or have a qualifying disability or medical condition. Anyone who is eligible for Medicare coverage can enroll in a Medicare Advantage plan if they live in the plan service area.

     

    Learn more  

    When can I enroll in a Medicare Advantage plan?

     

    You can enroll when you first become eligible, in your Initial Enrollment Period (IEP). If you already have Medicare coverage and want a different plan type, you can change during:

     

    • The Annual Enrollment Period (AEP), October 15 to December 7
    • The Medicare Advantage Open Enrollment Period (MA OEP), January 1 to March 31
    • A Special Enrollment Period (SEP) for qualifying life events; dates vary

     

    Learn more 

    A UnitedHealthcare Medicare Advantage plan may include: 

    Dental benefits

    Coverage for dental services like cleanings, fluoride, fillings, crowns, root canals and more5.

    Vision benefits

    A $0 vision exam. Vision services help protect your eyesight and may save you money on eyewear.

    Hearing benefits

    A $0 routine hearing exam plus savings on thousands of hearing aids6.

    4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

    Member recommendations based on Human8, May 2025.

    4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

    Member recommendations based on Human8, May 2025.

    Named a Best Insurance Company

    Medicare Advantage 2026 by U.S. News & World Report two years in a row

     

     

    Based on U.S. News & World Report 2025 and 2026 analysis of all Medicare Advantage plan ratings from CMS and enrollment data.

    Named a Best Insurance Company

    Medicare Advantage 2026 by U.S. News & World Report two years in a row

     

     

    Based on U.S. News & World Report 2025 and 2026 analysis of all Medicare Advantage plan ratings from CMS and enrollment data.

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      Footnotes

       

      Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply. Provider network may vary in local market. 

       

      1 Most chosen based on total plan enrollment from Medicare Enrollment Data, May 2025.

       

      2 Reward offerings may vary by plan and are not available in all plans. By participating in the program or accessing rewards funds, you agree to the Reward program Terms of Service.

       

      3 Virtual visits may require video-enabled smartphone or other device. Not for use in emergencies. Not all network providers offer virtual care.

       

      4 OTC benefits have expiration timeframes. Call your plan or review your Evidence of Coverage (EOC) for more information.

       

      5 A 50% coinsurance applies to covered dental comprehensive services. If your plan offers out-of-network dental coverage and you see an out-of-network dentist, you might be billed more. 

       

      6 The plan only covers hearing aids from a UnitedHealthcare Hearing network provider. Hearing aid savings based on comparison to retail.

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      9 a.m. to 5 p.m. ET, Saturday

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