United Healthcare Medicare Supplement

05 May

United Healthcare Medicare Supplement plans are provided by UnitedHealthcare, a leading health insurance company that offers individual and family plans.

Based on its top notch health insurance services, UnitedHealthcare serves millions of clients around the United States.

Are you planning to enroll for a Medicare Supplement plan with United Healthcare? Here is the information you need to make an educated decision.

UnitedHealthcare Medicare Supplement Plans

As you advance in age, your body’s immunity weakens and the risk of getting a medical complication increases. Besides the weak immune system, old age also sometimes comes along with different financial constraints that can prevent you from getting needed medical attention.

It’s because of these reasons that the federal government introduced supplement plans, which are also known as Medigap, to take care of the gaps left out by the Original Medicare. Policies are provided by private carriers but are licensed by the relevant state and federal insurance authorities.

Ideally, these policies are only supposed to supplement your Original Medicare rather than substituting it. This is because the plans take effect after you’ve exhausted all the Medical benefits covered by Original Medicare.

Some of the medical expenses covered by United Healthcare Medicare Supplemental plans include your co-payments, coinsurance, and deductibles. Furthermore, some policies may cover your medical expenses out of the country, blood transfusion expenses, and many other health benefits.

Benefits Not Covered

Despite the fact that plans cover you against the medical expenses that are not covered by Original Medicare, various costs may still not be covered. Some of the expenses that are not covered include;

  • doesn’t cover long-term care expenses
  • They don’t cover vision care
  • doesn’t cover dental and eye care services
  • These plans don’t cover private duty nursing services

Who Can Apply for UnitedHealthcare Medicare Supplement Insurance

You can apply for United Healthcare Medicare Supplement insurance if you’re a senior citizen above 65 years AND are enrolled in Original Medicare.

Besides the elderly, people living with a disability and those living with a long-term medical condition can also apply for a UHC Medicare Supplement policy.

All individuals who want to benefit from these supplement plans must be enrolled in Medicare Part A & Medicare Part B.

When Can You Enroll

The best time to enroll in a policy is during the Open Enrollment Period. The Open Enrollment Period is a 6-month period during which all supplement insurance providers will sell you a policy regardless of your health status.

During this time, the state and federal regulations dictate all Medicare Supplement providers to charge a similar premium for both healthy clients and those who have any other medical condition.

However, after the enrollment period, the insurance carriers have the freedom to deny your application if you don’t meet their selection criterion. Some Medigap insurance carriers might approve your request, but at a higher premium.

Some of the basics that you need to know before you enroll for a Medigap policy include:

  • You must have Medicare Part A and Medicare Part B before you enroll
  • After enrolling, you’ll be paying a fixed monthly premium to your carrier as well as your Part B premium
  • Unlike other health insurance policies that may cover the policyholder and family members, a supplement policy covers one person. As such, two spouses have to purchase separate policies
  • Your plan will never drop your policy as long as you continue paying the monthly premium
  • You can’t apply if you have a Medicare Medical Savings Account

Plans provided by UnitedHealthcare

There are ten Medigap plans that you can enroll. Different plans offer different health benefits. However, despite the fact that the plans are different, they all provide similar essential benefits.

Some of the primary benefits that must be provided by each plan include;

  • All plans cover your Medicare part A coinsurance and Medicare Part B coinsurance
  • All policies cover your first three pints of blood in case you need a blood transfusion
  • Part A Hospice care coinsurance is also covered