United Healthcare Medicare Supplement

united healthcare medicare supplement

United Healthcare Medicare Supplement Insurance plans are available in 50 states and also the District of Columbia.

Every Medicare enrollee has different healthcare needs. If they want additional coverage beyond Original Medicare, a United Healthcare Medicare Supplement Plan may be right for them.

More than 4 million beneficiaries nationwide have selected United Healthcare Medicare Supplement Insurance. Medigap plans help cover the costs that Original Medicare does not. Plans A, B, C, F, G, K, L and also N are available in most states. Plans C and F are no longer offered to individuals newly eligible to Medicare as of January 1, 2020. Some states offer Select Plans G and N but may only be available in certain areas of the state.

Why Choose a United Healthcare Medicare Supplement Plan?

  • Plan Variety – The wide variety of plans means you may choose the one that best fits your needs.
  • Value Added Services – Access to health and wellness resources, discounts, and also support services. These services are available to members, at no additional cost.
  • Highly recommended – 9 out of 10 plan holders surveyed would recommend their plan to a friend or family member.
Plan Highlights:
  • Annual rate increases have averaged 3% through 2018.
  • More than 4.4 million Americans have chosen a United Healthcare Medicare Supplement plan.
  • Excellent claims service – 98% of claims are processed in 10 business days or less.
  • At Your Best by United Healthcare offers extras, such as pharmacy savings, vision and hearing discounts. Also offered is a Nurse line and access to a network of participating gyms, and fitness locations.
  • Besides competitive pricing, there is also nationwide coverage, including Washington, D.C. and some U.S. territories.
  • Discounts including Multi-insured and Electronic Funds Transfer(EFT) (availability varies by state)

Silver Sneakers is available in Arkansas, Colorado, Georgia, Nebraska, South Carolina, Virginia, Pennsylvania and also the District of Columbia.

A.M. Best Rating: A (Excellent)

Eligibility Requirements
  • Be enrolled in Medicare Part A and Part B
  • In addition, applicants must be residents of the state in which they are applying for coverage
  • Age must be 50 or older

Applicants who do not qualify for Open Enrollment or Guaranteed Issue will be denied coverage for any of the following reasons:

  • End Stage Renal Disease (ESRD)
  • Currently receiving dialysis
  • Diagnosed with kidney disease that may require dialysis
  • The applicant was admitted to a hospital within the past 90 days
  • A medical professional has recommended or discussed as a treatment option any of the following that has not been completed: hospital admittance as an inpatient; organ transplant; back or spine surgery; joint replacement; and cancer, heart or vascular surgery

United Healthcare Medicare Supplement plans are available in all 50 states plus Washington D.C. and most U.S. Territories.

Electronic Funds Transfer (EFT) Discount

$2.00 per household per month when the entire household (both insured members) pays their premium through Electronic Funds Transfer.

Annual Payer Discount

$24.00 per household per year for insureds who pay their entire calendar year premium (January through December) by the end of January.

Community Rating with Areas

In community-rated states with area rating, all insured members in the same rating class in the same area pay the same rate (excluding discounts).

Gender Rating

Rates for new sales are based upon the applicant’s biological sex.

Tobacco Use

Insured members who have smoked tobacco cigarettes or used any tobacco product within the past 12 months, will pay the tobacco rate.

E-Cigarettes/Vapor Cigarettes

Tobacco rates will not apply to insured members who use e-cigarettes/vapor cigarettes only. Tobacco rates will only apply if the e-cigarette user has also used a tobacco product within the past 12 months.

Nicotine Patches and Marijuana

Tobacco rates will not apply to insured members who use nicotine patches or marijuana only. Tobacco rates will only apply if the nicotine patch or marijuana user has also used a tobacco product within the past 12 months.

Rate Guarantee

New insured members receive a 12-month rate guarantee from their initial plan effective date. Rate guarantee guarantees that the rate will not “increase” during the Rate Guarantee period. Insured members will
not receive an additional rate guarantee when switching from one United Healthcare Medicare Supplement Plan to another.

Rate Changes

UnitedHealthcare’s monthly premium generally changes once a year. However, an enrolled insured member may see his/her monthly premium change at other times when the Enrollment Discount changes on the policy
anniversary.

United Healthcare Medicare Supplement Insurance is offered in all states:

Florida

  • Issue Age rating system is used
  • Plan F has averaged a rate increase of 2.3% since 2013
  • Plan G has averaged a 1.5% rate increase the last 2 years

New York

  • Community rated
  • Plan F has averagaged a rate increase of 4.3% since 2013
  • Plan G has averaged a 8.2% rate increase the last 2 years

Missouri

  • Issue Age
  • Plan F has averaged a rate increase of 2.0% since 2013
  • Plan G has averaged a 6.7% rate decrease the last 2 years

Texas

  • Community rated
  • Plan F has averaged a rate increase of 0.5% since 2013
  • Plan G has averaged a 4.5% rate decrease the last 2 years

California

  • Community rated
  • Plan F has averaged a rate increase of 2.5% since 2013
  • Plan G has averaged a 2.0% rate increase the last 2 years

Georgia

  • Issue Age
  • Plan F has averaged a rate increase of 2.7% since 2013
  • Plan G has averaged a 4.7% rate decrease since 2019

South Carolina

  • Community rated
  • Plan F has averaged a rate increase of 0.6% since 2013
  • Plan G has averaged a 4.2% rate decrease since 2018

Tennessee

  • Community rated
  • Plan F has averaged a rate increase of 0.3% since 2013
  • Plan G has averaged a 6.9% rate decrease since 2018

North Carolina

  • Community rated
  • Plan F has averaged a rate increase of 0.9% since 2013
  • Medigap Plan G has averaged a 5.9% rate decrease since 2018

Kansas

  • Community rated
  • Plan F has averaged a rate increase of 2.8% since 2013
  • Medigap Plan G has averaged a 2.0% rate increase since 2018

Illinois

  • Community rated
  • Plan F has averaged a rate increase of 0.0% since 2013
  • Plan G has averaged a 3.6% rate decrease since 2018

Pennsylvania

  • Community rated
  • Plan F has averaged a rate increase of 0.5% since 2013
  • Plan G has averaged a 5.2% rate decrease since 2018

Virginia

  • Community rated
  • Plan F has averaged a rate increase of 1.1% since 2013
  • Plan G has averaged a 4.2% rate decrease since 2018

New Jersey

  • Community rated
  • Medigap Plan F has averaged a rate increase of 1.0% since 2013
  • Plan G has averaged a 0.7% rate decrease since 2018

Vermont

  • Community rated
  • Plan F has averaged a rate increase of 3.9% since 2013
  • Plan C has averaged a rate increase of 3.9% since 2013

Oregon

  • Community rated
  • Medigap Plan F has averaged a rate increase of 2.8% since 2013
  • Plan G has averaged a 0.3% rate decrease since 2018

Washington

  • Community rated
  • Plan F has averaged a rate increase of 3.7% since 2013
  • Medigap Plan G has averaged a 2.7% rate increase since 2018

Arkansas

  • Community rated
  • Plan F has averaged a rate increase of 3.2% since 2013
  • Medigap Plan G has averaged a 3.3% rate increase since 2019

Ohio

  • Community rated
  • Plan F has averaged a rate increase of 0.3% since 2013
  • Medigap Plan G has averaged a 3.2% rate decrease since 2018

Colorado

  • Community rated
  • Plan F has averaged a rate increase of 1.9% since 2013
  • Plan G has averaged a 0.7% rate decrease since 2018

Nebraska

  • Community rated
  • Plan F has averaged a rate increase of 0.1% since 2013
  • Plan G has averaged a 5.1% rate decrease since 2018

Iowa

  • Community rated
  • Plan F has averaged a rate increase of 0.7% since 2013
  • Medigap Plan G has averaged a 0.9% rate decrease since 2018

North Dakota

  • Community rated
  • Plan F has averaged a rate increase of 3.6% since 2013
  • Medigap Plan G has averaged a 5.0% rate increase since 2018

South Dakota

  • Community rated
  • Plan F has averaged a rate increase of 1.7% since 2013
  • Plan G has averaged a 2.9% rate decrease since 2018

Maryland

  • Community rated
  • Plan F has averaged a rate increase of 0.7% since 2013
  • Plan G has averaged a 3.4% rate decrease since 2018

Utah

  • Community rated
  • Plan F has averaged a rate increase of 1.0% since 2013
  • Plan G has averaged a 3.5% rate decrease since 2018

West Virginia

  • Community rated
  • Plan F has averaged a rate increase of 1.4% since 2013
  • Medigap Plan G has averaged a 5.4% rate decrease since 2018

Alabama

  • Community rated
  • Plan F has averaged a rate decrease of 1.8% since 2018
  • Plan G has averaged a 3.3% rate decrease since 2018

Indiana

  • Community rated
  • Plan F has averaged a rate increase of 0.4% since 2013
  • Plan G has averaged a 7.2% rate decrease since 2018

Michigan

  • Community rated
  • Plan F has averaged a rate decrease of 0.2% since 2013
  • Plan G has averaged a 4.1% rate decrease since 2018

Idaho

  • Issue Age
  • Plan F has averaged a rate increase of 3.9% since 2013
  • Plan G has averaged a 2.1% rate increase since 2018

Montana

  • Community rated
  • Plan F has averaged a rate increase of 3.3% since 2013
  • Plan G has averaged a 4.5% rate increase since 2018

Wyoming

  • Community rated
  • Plan F has averaged a rate increase of 1.3% since 2013
  • Plan G has averaged a 3.9% rate decrease since 2018

New Mexico

  • Community rated
  • Plan F has averaged a rate increase of 3.9% since 2013
  • Plan G has averaged a 2.0% rate decrease since 2018

Oklahoma

  • Community rated
  • Plan F has averaged a rate increase of 1.6% since 2013
  • Plan G has averaged a 1.3% rate decrease since 2018

Louisiana

  • Community rated
  • Plan F has averaged a rate increase of 0.2% since 2013
  • Plan G has averaged a 4.3% rate decrease since 2018