UnitedHealthcare® Medicare Supplement

UnitedHealthcare® 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 UnitedHealthcare 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 UnitedHealthcare 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 UnitedHealthcare 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

UnitedHealthcare 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.

UnitedHealthcare 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