Medicare Advantage HMO and PPO Plans
February 21, 2013
Offer your clients with Medicare-eligible retirees medical and prescription drug coverage all in one plan with the UnitedHealthcare line of Medicare Advantage plans.
What are the benefits of Medicare Advantage plans?
UnitedHealthcare’s Medicare Advantage plans provide the value, flexibility and choice to meet the needs of your clients and their retirees by delivering:
- Competitive premiums. Medicare Advantage plans often offer more competitive premiums for the same benefit design, compared with traditional retiree plans. You may be able to end your reliance on the RDS program by adding Part D benefits to the plan
- Extra benefits. Optional benefits include Medicare Part D prescription drug coverage and rider options for additional vision, dental and chiropractic coverage
- Coverage options. More than 150 standard integrated medical and prescription drug plan options, plus custom designs available for larger groups
- Plan availability. Local plans available in over 70 markets across 38 states; regional and national plans, too
- Reduced financial risk. Fully insured premiums may allow employers/plan sponsors to manage and predict costs more effectively
What are HMO and PPO?
Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPO) plans are types of network-based plans. Here's how they differ:
- HMOs provide coverage for plan members through a network of locally contracted doctors and hospitals. These plans generally do not provide coverage outside the network of contracted providers, except in emergencies. Product availability varies by market.
Medicare Advantage HMO Fact Sheet
- Regional PPOs let plan members choose between in-network and out-of-network providers. These plans cover all medically-necessary covered benefits, whether they're received in network or not. However, services outside the network will generally cost more. Only available in Hawaii and New York.
Medicare Advantage RPPO Fact Sheet
- National PPOs provide even greater flexibility to plan members by keeping the member's cost sharing the same whether using in-network or out-of-network providers. These plans are designed as one alternative to Group PFFS plans, which are no longer offered by UnitedHealthcare due to federal regulation changes. Not available in Purerto Rico or the US Virgin Islands
Medicare Advantage NPPO Fact Sheet
Looking for a lower-or even zero cost option?
If you want to offer your employers a Medicare Advantage plan, but want a low or zero premium with little to no program administration, you may want to consider endorsing one of our individual plans or our Endorsed Group Medicare Advantage plans.
Where are plans available?
Together, UnitedHealthcare’s Medicare Advantage HMO, & PPO plans are available in 70 markets across 38 states. Our Medicare Advantage (PPO) plans can be designed to provide national coverage.
How many plans can my client choose from?
With nearly 70 standard combined medical and prescription drug plan designs to choose from, your clients are bound to find one that suites their needs. If not, we can create custom plans designs for larger groups.
How do these plans benefit retirees?
The UnitedHealthcare Medicare Advantage plans offer retirees more value and service than Original Medicare. For example, retirees receive:
- The convenience of a single plan for their Medicare coverage
- More benefits than Original Medicare Part A and Part B
- Built-in Medicare Part D Prescription Drug coverage (optional)
- Additional coverage for routine vision, hearing, dental and chiropractic care
Additional programs & services
Most UnitedHealthcare Medicare Advantage plan also offers valuable features and benefits, such as fitness, wellness, disease management and caregiver support programs, at no additional cost.