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UnitedHealthcare (UHC) is one of the largest insurance companies worldwide by market capitalization. A household name in the health insurance industry, UHC offers various health insurance products, including Medicare Advantage PPO plans.
Here, we’ll explore what the United Healthcare PPO plans cover, how to choose a suitable plan, and how to enroll in one of their plans.
Medicare Advantage PPO plans are a type of Medicare Advantage plan that comes with the benefits of Original Medicare. Unlike Original Medicare, which has two parts, Part A (hospital stays) and Part B (medical insurance), Medicare Advantage plans consolidate Medicare benefits.
There are two types of Medicare Advantage plans: HMO and PPO plans. HMO or health maintenance organization plans typically cost less. However, they’ll restrict you to in-network healthcare providers and require you to visit your primary care physician (PCP) to get referrals to see specialists.
In comparison, United Health Care advantage PPO plans don’t come with these restrictions. With a PPO plan, you’ll be free to visit out-of-network doctors and healthcare providers that accept Medicare, and you won’t require a referral from your PCP to see a specialist. However, keep in mind that out-of-network providers usually charge more for their services.
United Health Care Advantage PPO plans offer varying levels of coverage depending on the particular plan. However, all plans offer the same basic benefits as Medicare Part A and B. These benefits include:
In addition to these benefits, some United Health Care Advantage PPO plans provide other perks like:
UHC offers various Medicare Advantage PPO plans with different features and benefits. Here’s what to consider when comparing various plans:
Coverage: Determine whether you want basic coverage or extra benefits like dental care and caregiver support.
Budget: Costs vary from plan to plan. Determine how much you’re willing to set aside for monthly premiums.
Deductible: Deductibles are the amount you must pay before your insurer pays for covered services. Determine how much you’re willing to pay out-of-pocket before the insurer steps in.
Copays and coinsurance: Copays are a specific amount you must pay for covered services. Meanwhile, coinsurance is a percentage of the medical bill you must pay after you’ve met the deductible. Ensure you’re comfortable paying these costs before settling for United Healthcare PPO Plans.
However, UHC offers various Medicare Advantage PPO plans and benefits, and availability varies from location to location. Contact us at 561-90-SHARK to find out the plans offered where you live.
Choose the Right UnitedHealthcare Medicare Advantage PPO Plan
Choosing the right UHC Medicare Advantage PPO plan can feel mind-boggling. Unsure which plan suits you? We’re here to help! Contact us today, and one of our Medicare experts will help you choose a suitable plan.