7 things you need to know about your Medicare Advantage plan

From saving you money to personalizing your care, discover what makes your UnitedHealthcare® plan a great fit for your health needs.

Joy Manning
Mature couples talking outside.

Hopefully you don’t spend a lot of time thinking about health care. When you feel good, you’re focused on getting the most out of life and enjoying your hobbies and time with your friends and family. 

But it’s worth taking a closer look at your UnitedHealthcare Medicare Advantage plan right now. There are probably features and benefits you can take advantage of that will help you continue feeling your best and staying active. Here are seven things you may not have known about your plan.  

1. Your Plan Helps Make Health Care More Convenient 

Health care isn’t supposed to be a hassle. Your UnitedHealthcare Medicare Advantage plan provides many ways to make managing your plan coverage more convenient. A few features that make things easy include:

Automatic payments. If your plan has a monthly premium, you can set up an automatic payment method. That way you don’t need to worry about forgetting your monthly premium. You can arrange to pay with your bank account, a credit card or certain other accounts.

Online account management. Managing your account online starts with setting up an online account. Then you can easily find a provider, print your member ID card and review plan information online anytime.

Shared access to your information. When you share access with a spouse, partner, family member or trusted friend, it can increase your peace of mind and make it easier for them to help.

Creating Your Online Account Is as Easy as 1, 2, 3

If you have two minutes, you have time to set up an account on your plan website. And it’s worth it. With an online account you have quick access to your plan details and resources. To get started:
    1. Grab your new UnitedHealthcare member ID card and go to MyUHCMedicare.com.
    2. Click “Register Now.”
    3. Follow the steps to complete your HealthSafe ID® registration.

Satisfied man smiling
Get your next checkup right at home — for free

UnitedHealthcare® HouseCalls brings yearly check-in care to you in your own home. You’ll get a physical exam, health screenings and plenty of time to talk about your health questions with a licensed medical practitioner.

To learn more and confirm if you are eligible, call 1-800-934-0280, TTY 711, Monday to Friday, 8 a.m. – 8:30 p.m. ET, 5 a.m. – 5:30 p.m. PT. or click here.

2. There’s More Than One Plan Type

When you signed up, you decided which UnitedHealthcare Medicare Advantage plan works for you. As a quick reminder, there are different types of plans. Some of the plans we offer include:

Health Maintenance Organization (HMO). Here, you get all of your health care services from a broad network of doctors, specialists, hospitals and facilities. You must select a primary care physician (PCP) from within your plan’s provider network. Some HMO plans don’t require a referral for you to see a specialist.

With an HMO plan, you need to get care from providers in the network. If you use a provider that isn’t in the network, you may have to pay for the service yourself.

Preferred Provider Organization (PPO). This setup gives members a network of “preferred” providers to choose from, while also offering coverage outside of that network (often at a higher cost). If you visit a provider outside of the network, you will need to make sure that the provider is Medicare-approved and accepts the plan. It’s recommended that you select a PCP, but you can see specialists inside or outside the network without a referral.

Point of Service (POS). This plan combines elements of an HMO and a PPO. Members should select a PCP and have a broad network of doctors, specialists, hospitals and facilities. But you also have the ability to see out-of-network providers for certain covered services listed in your Evidence of Coverage, such as dental care. If you see a doctor outside of the network, make sure that provider accepts Medicare. If not, you may have to pay the full cost of care yourself. Costs may be lower if you go to a network provider.

The three plans have a lot in common. Each provides Medicare Part A (which helps pay for hospital stays and inpatient care) and Part B (which helps pay for doctor visits and outpatient care) benefits. All three include access to a network of doctors, hospitals and facilities. These plans usually include Part D prescription drug coverage (more on this below). Where they differ is usually in copays and other costs.  

Not sure which type of plan you’ve selected? You can review your plan coverage and benefits on your plan website. Or, call the Customer Service number listed on the back of your member ID card. 

Need Help Finding a Provider?

Whether you’re looking for a network provider, hospital or pharmacy, our easy-to-use online search tools can help. Go to MyUHCMedicare.com and click on “Find Care.”

3. Your Preventive Care Is Free

When you’re feeling good and keeping busy with life, you might forget to pause for a doctor’s visit or medical screening. This should make it easier: Your Annual Wellness Visit is no cost. Your only to-do is scheduling a yearly annual physical and wellness visit with a network provider (if your plan has a network). 

During an annual wellness visit, your height, weight and blood pressure will be measured, and you’ll discuss your overall well-being with your health care provider. A physical includes a head-to-toe exam. Your provider may also order additional lab tests or screenings. (Some lab work and tests may have a copay.) The Annual Wellness Visit and annual physical can be combined in the same appointment, for your convenience. 

Some plans also include UnitedHealthcare® HouseCalls, a yearly in-home visit with a member of our licensed medical staff. It’s a great way to stay up to date on your health between regular doctor visits. Learn more at UHCHouseCalls.com. (HouseCalls is not available in all areas.)

4. Your Prescriptions Are Covered With Medicare Part D 

If you signed up for a plan with drug coverage (most plans), Medicare Part D is prescription drug coverage. Your plan offers plenty of choices for you and your provider when it comes to filling your prescriptions. The full list of drugs that are covered is available online through your plan website. 

You can also look up coverage for your specific medicines on your plan website. Go to your plan website and click on the “Pharmacies and Prescription” tab. In the chance that your medicine isn’t covered, your plan probably includes an alternative medication that treats the same condition.

You have choices when the time comes to fill your prescription. Select a mail or retail pharmacy in the plan’s network. The amount you pay may change throughout the year as you move through different coverage stages. To learn about the different stages and find ways to take full advantage of your prescription benefits, read 5 Things to Know About Your Prescription Coverage.

5. You’ll Receive Personal Support

When it comes to your health, everything is personal. Your membership will kick off with a welcome call. Someone will check in to find out how you’re feeling and answer any questions you have at the start. 

You’ll also be asked to complete a brief health assessment so you can get recommendations for personalized resources. Best of all, you’ll get one-on-one support from our Customer Service team, who is here for you 7 days a week to help answer your questions, help you understand your coverage, help schedule your appointments — you name it. As part of your care team, we aim to help you get the care you need, when you need it.

If you want to take your health assessment now, sign in to your plan website and go to Health & Wellness. Then find Health Assessment in the Quick Links section. 

6. Your Vision1, Hearing and Dental2 Checkups May Be Covered3

Wear glasses or contacts? Have hearing loss? Interested in preventing gum disease? It’s important to know that Original Medicare (Part A and Part B) doesn’t cover routine care for these key concerns. Most UnitedHealthcare Medicare Advantage plans cover some or all of these benefits, making them a valuable part of your plan. 

Although some of the specific details may vary depending on which plan you’re enrolled in, most plans include coverage for preventive and diagnostic dental care, like exams, X-rays, cleanings and fluoride. You’ll also pay nothing for a yearly eye exam, and you may get an allowance toward new eyewear. Annual hearing exams are free with most plans. And some plans cover hearing aid fittings and hearing aids.

7. You’ve Got Extras

Your plan provides more than the basics when it comes to your health and wellness. For example, most plans come with access to Renew by UnitedHealthcare®. This health and wellness experience inspires you to take charge of your health every day. Renew provides helpful resources and activities like brain games, online learning courses and healthy recipes. There are also fitness resources that connect you with home workouts and training plans to help you stay active and fit.

If you travel often or move homes with the seasons, we’ve got you covered. Your plan may have nationwide coverage through our National Network or the UnitedHealth Passport® benefit. These benefits allow you to get care from contracted providers while you’re away from home at the same in-network costs you’re used to. (Note: National Network size varies by market and exclusions may apply.)

These are just a few of the lesser-known benefits that are part of your plan. You can learn more about these perks here. You can check to see what other extras you may have, such as 24/7 access to a nurse, transportation, over-the-counter products and more in your plan materials or online at MyUHCMedicare.com.

Get your next checkup right at home — for free

You’ll get a physical exam, screening tests and more from UnitedHealthcare® HouseCalls. To learn more and confirm if you are eligible, call 1-800-934-0280, TTY 711, Monday to Friday, 8 a.m. – 8:30 p.m. ET, 5 a.m. – 5:30 p.m. PT. or click here.

 

1. Vision benefits vary by plan and are not available with all plans. Additional charges may apply for out-of-network items and services. Annual routine eye exam and $100-$300 allowance for contacts or designer frames, with standard (single, bi-focal, tri-focal or standard progressive) lenses covered in full every two years. Limitations and exclusions apply. 
2. $0 cost-share for in-network preventive dental care, specified services only. Limitations and exclusions apply.
3. Benefits, features and/or devices vary by plan/area. Limitations and exclusions apply.