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Disclaimer Information

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Medicare Plan Expert is a licensed insurance sales agent/producer.

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan’s contract renewal with Medicare. 

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

Dual Special Needs plans have a $0 premium for members with Extra Help from Medicare (Low Income Subsidy). 

Review your plan Drug List (Formulary) on UHC.com/Medicare for a list of covered prescription drugs, including those on Tier 1. $0 copay may be restricted to particular tiers, preferred prescriptions or filled using home delivery.

Some of the benefits on a Dual Special Needs plan may also be available from the state Medicaid program or a managed Medicaid plan.

Provider network may vary by local market.

Most chosen based on total plan enrollment from 2008-2026 Medicare Enrollment Data.

Medicare member responses based on Human8 survey, May 2025.

#1 health insurance app based on Apple and Google App store rankings, May 2026.

OTC, food and utility benefits have expiration timeframes. Review your Evidence of Coverage (EOC) for more information. The healthy food and utilities benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as diabetes, cardiovascular disorders, chronic heart failure, chronic high blood pressure and/or chronic high cholesterol, and who also meet plan criteria indicating they are at high rist for hospitalization and eligible for intensive care coordination.  There may be other qualified chronic conditions not listed. If you use this benefit for certain utilities, it may be considered income for housing assistance. Check with your housing authority for details.

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

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

The Right Plan Promise® is our commitment to provide you with tools and agent/producer support to help you find a plan in UnitedHealthcare's Medicare plan portfolio that meets your needs. It is not a guarantee that UnitedHealthcare offers a plan that meets the needs of every consumer. Plan recommendations are based on the information that you provide regarding your health coverage needs. Requests to disenroll or change plans remain subject to applicable Medicare regulations and Federal and state laws/regulations.

For UCard, No Cash (except as required by law) or ATM Access. See cardholder agreement for fees and terms of use. Issued by Optum Bank, Inc., Member FDIC, pursuant to license by Mastercard. Program managed by Optum Financial, Inc. Funds expire. See cardholder agreement at ucardhub.uhc.com. In-network retailers are subject to change.  

Benefits and any rewards are administered by Optum Financial, Inc. on behalf of itself and its subsidiaries. Funds made available for your use in the program(s) are subject to use restrictions, are not cash, and are not owned by you. UCard benefits must be utilized at participating retailers and may only be used to purchase specific items in accordance with your benefit program. All brands listed are trademarked by their respective manufacturers. Item and brand eligibility/availability subject to change.

Every year, Medicare evaluates 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.