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[H1] UnitedHealthcare Medicare coverage for whatever's next

Medicare Advantage plans

Medicare Advantage (Part C) plans offer all the benefits of Original Medicare (Part A and Part B), with extras like dental, vision, hearing, and prescription drug coverage.

Medicare Advantage plans

Chronic Special Needs plans (C-SNPs) are designed for people living with qualifying chronic conditions.

Chronic Special Needs plans

Medicare Supplement insurance plans

Medicare Supplement (Medigap) plans help pay some of the out-of-pocket costs that Original Medicare doesn't pay.

Medicare Supplement insurance plans

Prescription drug plans

Medicare Part D prescription drug plans help pay for prescription drugs. You can combine a Part D plan with Original Medicare or a Medicare Supplement (Medigap) plan.

Prescription drug plans

Dual Special Needs plans

Dual Special Needs plans (D-SNPs) are Part C plans designed for people who are eligible for both Medicare and Medicaid coverage. Many include extra benefits.

Dual Special Needs plans

[H3] Stay up-to-date with what's changing with Medicare in 2026

You can count on UnitedHealthcare for the latest industry updates that could impact your Medicare plan.
We're here to help you through these changes with expert guidance every step of the way.

Part D prescription updates

Dual Special Needs plan updates

[H2] Learn more about Medicare

Get easy-to-understand guidance today and as your needs change.

Coverage options

How to enroll

About Medicare

Cost basics

[H2] Medicare insurance plans as reliable as you

At UnitedHealthcare, there’s a plan for all your plans. More people choose UnitedHealthcare for their Medicare coverage than any other company, making us the #1 provider of Medicare plans in the nation.3

9 out of 10 members are able to keep their preferred doctors when choosing a UnitedHealthcare Medicare Advantage plan4

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[H2] Important Information

Medicare Supplement insurance plans include guaranteed coverage for life, as long as you pay your premiums when due and you do not make any material misrepresentation when you apply for this Plan.

1 The rates provided here only apply for the effective date requested and are based on the information you previously entered. Your actual rate will be determined upon acceptance and based on answers to the questions on your application form. All rates are subject to change. Any rate change will apply to all members of the same class insured under your plan who reside in your state/area. These rates are not for current insured members. If you are already an insured member, please call for information.

2 These offers are available at no additional cost to you and are only available to insured members covered under an AARP Medicare Supplement Plan from UnitedHealthcare Insurance Company. These are additional insured member services apart from the AARP Medicare Supplement Plan benefits, are NOT INSURANCE PROGRAMS, are subject to geographical availability and may be discontinued at any time. Certain offerings are provided by third parties not affiliated with UnitedHealthcare Insurance Company. None of these services are a substitute for the advice of a doctor or should be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room.

3 From a report prepared for UnitedHealthcare by Human8, “Substantiation of Advertising Claims concerning AARP Medicare Supplement Insurance Plans and UnitedHealthcare Medicare Advantage Plans (Non-SNP, D-SNP, and C-SNP)” August 2025, www.uhcmedsupstats.com or call 1-800-272-2146 to request a copy of the full report.

4 Member responses based on Human8 survey, May 2025. Most chosen based on total plan enrollment from 2008-2025 Medicare Enrollment Data.

5 Select Plan G offers the same standard benefits as Plan G, except you must use a network hospital for covered Inpatient Hospital services under Medicare Part A. You should also verify that your chosen physician is affiliated with a network hospital.

6 Select Plan N offers the same standard benefits as Plan N, except you must use a network hospital for covered Inpatient Hospital services under Medicare Part A. You should also verify that your chosen physician is affiliated with a network hospital.

7 Plan N pays 100% of the Part B coinsurance, except for a co-payment of up to $20 for some office visits and up to a $50 co-payment for emergency room visits that do not result in an inpatient admission.

8 Plan K pays 100% of covered services for the rest of the calendar year once you meet the out of pocket yearly limit. You will pay half of the cost-sharing of some covered services until you reach the annual out of pocket limit of $8,000 each calendar year. Once you reach the annual limit, the plan pays 100% of the Medicare co-payment and co-insurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed Medicare approved amounts (these are called "Excess Charges") and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service.

9 Plan L pays 100% of covered services for the rest of the calendar year once you meet the out of pocket yearly limit. You will pay one-fourth of the cost-sharing of some covered services until you reach the annual out of pocket limit of $4,000 each calendar year. Once you reach the annual limit, the plan pays 100% of the Medicare co-payment and co-insurance for the rest of the calendar year. However, this limit does NOT include charges from your provider that exceed Medicare approved amounts (these are called "Excess Charges") and you will be responsible for paying this difference in the amount charged by your provider and the amount paid by Medicare for the item or service.

10 This high deductible plan pays the same benefits as Plan G after you have paid a calendar year $2,950 deductible. Benefits from the high deductible Plan G will not begin until out-of-pocket expenses are $2,950. Out-of-pocket expenses for this deductible include expenses for the Medicare Part B deductible, and expenses that would ordinarily be paid by the policy. This does not include the plan's separate foreign travel emergency deductible.

[H2] View Important Disclosures Below

Every year, Medicare evaluates Medicare Advantage plans based on a 5 Star rating system. The 4+ Star rating applies to plan year 2026. Star ratings may vary by plan/area. #1/More in members based on total plan enrollment in 4, 4.5 or 5 Star plans from 2017-2026 Medicare Enrollment Data.

UnitedHealthcare pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP and its affiliates are not insurers. AARP does not employ or endorse agents, brokers or producers.

AARP encourages you to consider your needs when selecting products and does not make product recommendations for individuals.

Please note that each insurer has sole financial responsibility for its products.

AARP Medicare Supplement Insurance Plans

AARP endorses the AARP Medicare Supplement Plans insured by UnitedHealthcare Insurance Company, 185 Asylum Street, Hartford, CT 06103 (available in all states/territories except ND, NY) or UnitedHealthcare Insurance Company of America, 1600 McConnor Parkway, Floor 2, Schaumburg, IL 60173 (available in AR, AZ, IL, IN, KS, MS, NC, ND, NJ, OH, OK, PA, SC, TN). Policy Form No. GRP 79171 GPS-1 (G-36000-4).

Please note: You must be an AARP member to enroll in an AARP Medicare Supplement Insurance plan. If you are not a member, you can join AARP for just $20.00 a year.

In some states, plans may be available to persons under age 65 who are eligible for Medicare by reason of disability or End-Stage Renal Disease.

Not connected with or endorsed by the U.S. Government or the federal Medicare program.

This is a solicitation of insurance. A licensed insurance agent/producer may contact you.

THESE PLANS HAVE ELIGIBILITY REQUIREMENTS, EXCLUSIONS AND LIMITATIONS. FOR COSTS AND COMPLETE DETAILS (INCLUDING OUTLINES OF COVERAGE), CALL A LICENSED INSURANCE AGENT/PRODUCER AT THE TOLL-FREE NUMBER ABOVE.

Medicare Advantage plans and Medicare Prescription Drug plans

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. Enrollment in these plans depends on the plan's contract renewal with Medicare. You do not need to be an AARP member to enroll in a Medicare Advantage plan or Medicare Prescription Drug plan.

This information is not a complete description of benefits. Contact the plan for more information.

WB28059ST (06-25)

[H2] What are Medicare Advantage plans?

Medicare Advantage (Part C) plans offer all the benefits of Original Medicare, many with extras like dental, vision, and hearing benefits. Most include prescription drug coverage.

[H2] Find a plan

Answer a few questions to help find a UnitedHealthcare Medicare plan that fits your needs.

Get a recommendation

[H2] Why should I choose a UnitedHealthcare Medicare Advantage plan?

UnitedHealthcare is America’s most chosen Medicare Advantage brand1, with

Monthly plan premiums as low as $0
$0 annual physical exams, lab tests and preventive care
Rewards for healthy activities and more2

Large Medicare Advantage provider network, including doctors and specialists
$0 copays for virtual medical and mental health visits3
UCard from UnitedHealthcare, which opens doors to a network of Medicare Advantage providers and rewards for healthy activities4

[H2] What Medicare Advantage plans are available from UnitedHealthcare?

UnitedHealthcare Medicare Advantage plans include Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans, Private Fee-for-Service (PFFS) plans, and Special Needs plans (SNPs). Not all plans are available in all areas.

[H2] How much does a Medicare Advantage plan cost?

Costs may include a premium you pay for the plan, a deductible you pay for services until coverage begins, and cost sharing like copayments and coinsurance for some of the care you receive.

Monthly premium

A fee you pay to the plan for coverage. Some Medicare Advantage plans have a low or even $0 monthly premium. You may still need to pay a premium for Part B coverage.

Annual deductible

The amount you pay out of pocket for health care before your plan begins to pay. Most Medicare Advantage plans only have a prescription drug deductible.

Copayment (copay)

A set amount you pay for a covered medical service or prescription drug. For example, some plans might charge a $40 copay each time you see a specialist.

Coinsurance

A percentage of the total cost for a covered medical service or prescription drug. You pay the coinsurance and your plan pays the remaining amount.

[H2] Who is eligible for a Medicare Advantage plan?

Most people become eligible for Medicare coverage when they turn 65 or have a qualifying disability or medical condition. Anyone who is eligible for Medicare coverage can enroll in a Medicare Advantage plan if they live in the plan service area.

Learn more

[H2] When can I enroll in a Medicare Advantage plan?

You can enroll when you first become eligible, in your Initial Enrollment Period (IEP). If you already have Medicare coverage and want a different plan type, you can change during:

The Annual Enrollment Period (AEP), October 15 to December 7
The Medicare Advantage Open Enrollment Period (MA OEP), January 1 to March 31
A Special Enrollment Period (SEP) for qualifying life events; dates vary

Learn more

[H2] A UnitedHealthcare Medicare Advantage plan may include:

[H3] Dental benefits

[H3] Coverage for dental services like cleanings, fluoride, fillings, crowns, root canals and more5.

[H3] Vision benefits

A $0 vision exam. Vision services help protect your eyesight and may save you money on eyewear.

[H3] Hearing benefits

A $0 routine hearing exam plus savings on thousands of hearing aids6.

[H3] 4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

Member recommendations based on Human8, May 2025.

The UnitedHealthcare Right Plan Promise®
It's our commitment to helping you find the right plan for you. Choosing a Medicare plan doesn't have to feel overwhelming. Our easy—to—use online shopping experience and Medicare Plan Experts2 help make it simple for you to find the right UnitedHealthcare plan.

Get started

[H3] 4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

Member recommendations based on Human8, May 2025.

The UnitedHealthcare Right Plan Promise®
It's our commitment to helping you find the right plan for you. Choosing a Medicare plan doesn't have to feel overwhelming. Our easy—to—use online shopping experience and Medicare Plan Experts2 help make it simple for you to find the right UnitedHealthcare plan.

Get started

[H2] Named a Best Insurance Company

Medicare Advantage 2026 by U.S. News & World Report two years in a row

Based on U.S. News & World Report 2025 and 2026 analysis of all Medicare Advantage plan ratings from CMS and enrollment data.

[H2] Named a Best Insurance Company

Medicare Advantage 2026 by U.S. News & World Report two years in a row

Based on U.S. News & World Report 2025 and 2026 analysis of all Medicare Advantage plan ratings from CMS and enrollment data.

You've got questions.
We've got answers.

[H3] Chat with UnitedHealthcare

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[H3] Already a member?

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[H3]
Find a plan

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[H3]
Meet with us

[H3] Make an appointment with a licensed insurance agent in your area.

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Footnotes

Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply. Provider network may vary in local market.

1 Most chosen based on total plan enrollment from Medicare Enrollment Data, May 2025.

2 Reward offerings may vary by plan and are not available in all plans. By participating in the program or accessing rewards funds, you agree to the Reward program Terms of Service.

3 Virtual visits may require video-enabled smartphone or other device. Not for use in emergencies. Not all network providers offer virtual care.

4 OTC benefits have expiration timeframes. Call your plan or review your Evidence of Coverage (EOC) for more information.

5 A 50% coinsurance applies to covered dental comprehensive services. If your plan offers out-of-network dental coverage and you see an out-of-network dentist, you might be billed more.

6 The plan only covers hearing aids from a UnitedHealthcare Hearing network provider. Hearing aid savings based on comparison to retail.

[H2] What is a Chronic Special Needs plan?

A UnitedHealthcare Chronic Special Needs plan (C-SNP) is a Medicare Advantage plan designed for people living with these qualifying chronic conditions:

Diabetes
Chronic heart failure
Cardiovascular disorders

[H2] Find a plan

Answer a few questions to help find a UnitedHealthcare Medicare plan that fits your needs.

Get a recommendation

[H2] Why choose a C-SNP with UnitedHealthcare?

A UnitedHealthcare C-SNP offers coverage and reliable guidance you can count on. Benefits may include:

$0 annual physical exams, $0 lab tests and $0 preventive care
A large network of Medicare Advantage providers, including doctors and specialists
$0 copay on dental, vision and hearing exams

UCard® with monthly credit to help pay for OTC products and healthy food1
$0 diabetic supplies, plus coverage for foot care and diabetic shoes
A 1-month supply of covered insulin prescription for $252 or less

Plan availability and coverage may vary by service area.

[H2] Is a C-SNP right for you?

It might be right if...

You have diabetes, chronic heart failure, and/or cardiovascular disorders
You would benefit from extra care management programs to support your health
You would like added benefits and features at no extra cost

It might not be right if...

You are eligible for a Dual Special Needs plan (D-SNP) in your area
You do not have a qualifying chronic condition
You live outside an eligible plan coverage area

[H2] Is a C-SNP right for you?

It might be right if...

You have diabetes, chronic heart failure, and/or cardiovascular disorders
You would benefit from extra care management programs to support your health
You would like added benefits and features at no extra cost

It might not be right if...

You are eligible for a Dual Special Needs plan (D-SNP) in your area
You do not have a qualifying chronic condition
You live outside an eligible plan coverage area

[H2] What other Special Needs plans are available?

[H2]

Dual Special Needs plans (D-SNPs)

Dual Special Needs plans (D-SNPs) are for people who have both Medicare and Medicaid coverage. They combine Original Medicare benefits, plus prescription drug coverage and support to help coordinate benefits with Medicaid.

Dual Special Needs plans

Institutional Special Needs plans (I-SNPs)

Institutional Special Needs plans (I-SNPs) are for people who live in a long term care setting, such as a skilled nursing facility. Institutional Equivalent Special Needs plans (IE-SNPs) are for people who receive skilled nursing care at home or in assisted living.

Institutional Special Needs plans

All SNPs include prescription drug coverage. Plan availability will depend on where you live.

What does a Chronic Special Needs plan cover?

A UnitedHealthcare C-SNP provides all the coverage of Original Medicare (Part A and Part B), prescription drug coverage, condition care management and low specialist copays. A C-SNP typically offers many extras like dental, hearing and vision benefits.

What is the difference between a C-SNP and a D-SNP?

Both plan types provide all the benefits of Original Medicare, plus prescription drug coverage. A C-SNP includes care management for chronic conditions while a D-SNP offers coordination between Medicare and Medicaid, intended to deliver benefits at lower cost to the member.

Who is eligible for a Chronic Special Needs plan?

To enroll in a C-SNP, you must be eligible for Medicare Part A and Part B and have a qualifying health condition. You will need to complete a chronic condition verification form with help from your doctor within 60 days of the plan’s start date.

What conditions qualify for a C-SNP?

[H3] UnitedHealthcare C-SNPs are designed for people with diabetes, chronic heart failure or cardiovascular disorders.

[H2] What if there are no C-SNPs where I live?

If a C-SNP is not available in your area, another Medicare Advantage plan may be a good fit.

Explore Medicare Advantage plans

[H2] When can I enroll in a C-SNP plan?

You can enroll during:

Your Initial Enrollment Period, the 7-month period starting three months before the month of your 65th birthday and ending three months after.
The Annual Enrollment Period from October 15 to December 7 each year, when you can switch from Original Medicare to a Medicare Advantage plan, choose a different Medicare Advantage plan, or change your Part D coverage.
The General Enrollment Period from January 1 to March 31, when you can sign up for Original Medicare if you did not enroll when you first became eligible. You may then enroll in a Medicare Advantage plan from April through June.
The Medicare Advantage Open Enrollment Period from January 1 to March 31, when you can switch from one Medicare Advantage plan to another. You can also drop your Medicare Advantage plan and return to Original Medicare, with or without enrolling in a Part D prescription drug plan.
The Chronic Condition Special Enrollment Period, which is open any time for people with severe or disabling chronic conditions covered by an available Special Needs plan. This is only allowed for enrolling in a C-SNP, and only if you do not already have a C-SNP serving the same condition.

Note:  All Special Needs plans are Medicare Advantage plans.

[H3] 4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

Member recommendations based on Human8, May 2025.

The UnitedHealthcare Right Plan Promise®
It's our commitment to helping you find the right plan for you. Count on UnitedHealthcare for clear Medicare plan resources, easy-to-use tools and trusted guidance.

Get started

[H3] 4 out of 5 members recommend UnitedHealthcare Medicare Advantage coverage

Member recommendations based on Human8, May 2025.

The UnitedHealthcare Right Plan Promise®
It's our commitment to helping you find the right plan for you. Count on UnitedHealthcare for clear Medicare plan resources, easy-to-use tools and trusted guidance.

Get started

[H2] Named a Best Insurance Company

Medicare Advantage 2026 by U.S. News & World Report two years in a row

Based on U.S. News & World Report 2025 and 2026 analysis of all Medicare Advantage plan ratings from CMS and enrollment data.

[H2] Named a Best Insurance Company

Medicare Advantage 2026 by U.S. News & World Report two years in a row

Based on U.S. News & World Report 2025 and 2026 analysis of all Medicare Advantage plan ratings from CMS and enrollment data.

You've got questions.
We've got answers.

[H3] Chat with UnitedHealthcare

You can chat with us online.

Chat is currently unavailable.
Please try again later.

[H3] Already a member?

Go to the member site to sign in or register for an account
Member sign in

[H3]
Find a plan

Confirm your county

Close Modal

Please confirm the county for your location.

[H3]
Meet with us

[H3] Make an appointment with a licensed insurance agent in your area.

Find an agent
- opens in a new tab

Footnotes

Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply. Provider network may vary by local market.

Most chosen based on total plan enrollment from Medicare Enrollment Data, May 2025.

Reward offerings may vary by plan and are not available in all plans. Reward program Terms of Service apply.

1 OTC and food benefits have expiration timeframes. Review your Evidence of Coverage (EOC) for more information. The healthy food benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as diabetes, chronic heart failure and/or cardiovascular disorders, and who also meet all applicable plan coverage criteria.

2 You will pay a maximum of $25 for each 1 month supply of Part D covered insulin drug through all drug payment stages except catastrophic drug payment stage where you'll pay $0.