Group Supplement Plans
Enhance your retirees' Original Medicare (Medicare Parts A & B) plan benefits with one of UnitedHealthcare's Senior Supplement or Senior Security plans - created just for group-sponsored retirees.
Senior Supplement Plans
Provide nationwide group supplement coverage for your retirees to help pay for the costs not covered by Original Medicare coverage.
Why should an employer choose these plans?
Senior Supplement plans free you from claims risk and program administration, while providing your retirees with quality medical coverage. You'll benefit from:
- A competitive premium and benefit design flexibility
- One national plan design and one national insured premium rate, offering consistent benefits to all of your retirees and eligible dependents (available to most groups)
- Branding opportunities—add your company's name to the plan
- Group enrollment and billing included in premium
- Flexibility to add a Medicare Part D Prescription Drug plan to provide more complete coverage
- Ability to handle split billing—you don't have to collect premium contributions from retirees.
Where are the plans available?
Senior Supplement plans are available in 43 states, plus Washington, D.C. Plans are not available in Florida, Minnesota, Montana, New York, Oregon, Vermont and Washington State.
How many plans can an employer choose from?
Choose from twelve standard Senior Supplement plan designs, designated A through L (similar to a Medicare Supplement plan), or create a customized plan.
How do these plans benefit retirees?
Senior Supplement plans help your retirees get more comprehensive medical coverage. They'll benefit from:
- The freedom to choose any doctor, specialist and hospital that accepts Medicare because there's no provider network
- Virtually no claim forms to file, as many providers accept Medicare assignment
- No referrals needed—retirees can see specialists whenever they want
- The ability to pair their Senior Supplement plan with a Medicare Part D Prescription Drug plan for more complete health care coverage
- Optional rider coverage for vision, hearing and chiropractic care
Additional programs & services
Some Senior Supplement plans may also offer valuable features and benefits such as fitness and caregiver support programs.
View additional programs and services details
Get a personalized quote
Learn more about Senior Supplement plans and ask for a quote.
Request more information
Senior Security Plans
Offer your retirees valuable benefits to supplement their Original Medicare coverage—and control your costs—with a Senior Security plan.
Why should an employer choose these plans?
Different from standard Medicare Supplement plans, Senior Security plans use a simplified approach to Medicare benefit coordination. You'll get:
- More affordable coverage because the plans have higher deductibles and lower premiums than most standard Medicare Supplement plans
- Composite premium rates for the entire group
- Little or no premium contribution requirements, depending on the plan you choose
- Flexibility and customization—add riders for vision, hearing and chiropractic coverage, or add a prescription drug coverage plan or drug subsidy for more complete coverage
- Simplicity—easy to understand plan design lessens retiree confusion
- An effective way to offer a fully insured group plan that provides catastrophic protection to retirees, coupled with a low cost premium
Where are the plans available?
Insured Senior Security plans are available in 43 states, plus Washington, D.C. Plans are not available in Florida, Minnesota, Montana, New York, Oregon, Vermont and Washington State. Self-funded Senior Security plans are available nationally.
How do these plans benefit retirees?
Similar to other supplement plans, Senior Security plans help protect your retirees from the unexpected costs of Original Medicare cost-sharing. They'll benefit from:
- Greater predictability in health care costs
- 100% of their medical expenses covered by the plan once they've met their deductible/out-of-pocket limit
- The freedom to choose doctors and hospitals because there's no provider network or pre-authorization required
- No pre-existing condition coverage exclusions
- More benefits than those provided by Original Medicare alone
- An easy transition because these plans are designed to mirror the active employee health care coverage you currently provide
Additional programs & services
Some Senior Supplement plans may also offer valuable features and benefits such as fitness and caregiver support programs.
View additional programs and services details
Get a personalized quote
Learn more about Senior Security plans and ask for a quote.
Request more information
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