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ARTICLE Medicare Advantage HMO and PPO Plans

Medicare Advantage HMO and PPO Plans

Offer your Medicare-eligible retirees medical and prescription drug coverage all in one plan with our line of Medicare Advantage plans.

What are the benefits of Medicare Advantage plans?
UnitedHealthcare's Medicare Advantage plans provide the value, flexibility and choice to help meet the needs of your company and your retirees by delivering:

  • Competitive premiums. Medicare Advantage plans often offer more competitive premiums for the same benefit design, compared with traditional retiree plans. You may be able to end your reliance on the RDS program by adding Part D benefits to the plan
  • Extra benefits. Optional benefits often include Medicare Part D prescription drug coverage and rider options for additional vision, dental and chiropractic coverage
  • Coverage options. More than 150 standard integrated medical and prescription drug plan options, plus custom designs available for larger groups
  • Plan availability. Local plans available in over 1104 counties across 45 states; regional and national plans, too
  • Reduced financial risk. Fully insured premiums may allow employers/plan sponsors to manage and predict costs more effectively

What are HMO and PPO?
Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPO) plans are types of network-based plans. Here's how they differ:

  • HMOs provide coverage for plan members through a network of locally contracted doctors and hospitals. These plans generally do not provide coverage outside the network of contracted providers, except in emergencies.

  • Regional PPO plans let plan members choose between in-network and out-of-network providers. These plans cover all medically-necessary covered benefits, whether they're received in network or not. However, services outside the network will generally cost more.

  • National PPO plans provide even greater flexibility to plan members by keeping the member's cost sharing the same whether using in-network or out-of-network providers. These plans are designed as one alternative to Group PFFS plans, which are no longer offered by UnitedHealthcare due to federal regulation changes.

Are you looking for a lower-or even zero cost option?
If you want to offer your retirees a Medicare Advantage plan, but want a low or zero premium with little to no program administration, you may want to consider endorsing one of our individual plans or our Group PPO+ Medicare Advantage Plans.

Where are plans available?
Together, UnitedHealthcare's Medicare Advantage HMO and PPO plans are available in more than 1104 counties across 45 states. Our Medicare Advantage (PPO) plans can be designed to provide national coverage.

How many plans can I choose from?
With nearly 150 standard combined medical and prescription drug plan designs to choose from, it's likely you will find one that suits your organization's needs. If not, we can create custom plans for larger-groups.

How do these plans benefit retirees?
The UnitedHealthcare Medicare Advantage plans may offer retirees more value and service than Original Medicare. For example, retirees receive:

  • The convenience of a single plan for their Medicare coverage
  • More benefits than Original Medicare Part A and Part B
  • Built-in Medicare Part D Prescription Drug coverage (optional)
  • Additional coverage for routine vision, hearing, dental and chiropractic care

Additional programs & services
Most UnitedHealthcare Medicare Advantage plans also offers valuable features and benefits, such as fitness, wellness, disease management, caregiver support and treatment decision support programs, at no additional cost.

View additional programs and services details

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Learn more about the UnitedHealthcare Medicare Advantage plans and ask for a quote.

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