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UnitedHealthcare Medigap Plans

When it comes to insurance, you probably already know about Medicare. It is one of the largest healthcare programs in the United States and is designed specifically for providing coverage to senior citizens. It is a federal plan, rather than a private health insurance company. Being established in 1965, Medicare has helped countless seniors over the decades, and today more than 50 million individuals take advantage of it. However, Medicare does not cover everything. This is where plans which are commonly referred to as Medigap come in. Learn more about your Medigap options to gain more thorough coverage.

What Is Medigap?

Medigap is a term assigned to healthcare supplemental plans that are designed to cover the areas that Medicare does not. It is important to realize that the phrase “Medigap” is not an official term. It is simply a colloquial saying to refer to Medicare supplemental insurance policies. This means that many different insurance companies provide Medigap policies.

It is also important to understand that while Medicare is a federal program, you must get Medigap through a private company. You have many different options for which insurance provider you choose for your Medigap, as well as many different plans to choose from. This short guide focuses on UnitedHealthcare's Medigap plans. Remember that this is only one of your many options, so if it does not meet your needs, do not hesitate to look at other providers.

The Base Features of Medigap With UnitedHealthcare

Before diving into the specific plans of UnitedHealthcare's supplemental program, consider some of the benefits that you will gain regardless of which decision you make:

  • Avoid out-of-pocket payments where Medicare lacks coverage
  • Receive coverage for life as long as premiums are paid
  • Every doctor that accepts Medicare also accepts Medigap coverage
  • Avoid the need for referrals to see specialists

In addition to all this, UnitedHealthcare is a national insurance provider. This means you are covered anywhere in the U.S. and your coverage travels with you no matter where you visit in the country.

What Is Covered by Medigap

There are 10 aspects that Medigap covers. You can think of these as the 10 gaps in Medicare coverage, just as the name implies. There are many different standardized Medigap plans, and each one only covers some of these 10 areas. When deciding which Medigap plan is right for you, it is important to understand what your needs are. This allows you to select the plan that covers what you will actually use and avoids the coverage that does not benefit you so you can save money.

  1. Part A Coinsurance – In the original Medicare, Part A refers to hospital insurance. In Medigap, this helps cover hospital costs and allows you to be covered for 365 more days in the hospital than with Medicare alone.
  2. Part B Coinsurance – Just like how Part A refers to hospital insurance, Part B refers to medical insurance. Part B coinsurance helps cover these costs.
  3. Blood – This covers you if you need to receive any blood during a hospital stay. This covers three pints of blood per year.
  4. Part A Hospice/Respite Care – This extends the coverage of Part A to cover hospice and respite care as well as hospitals.
  5. Part A Deductible – With this benefit, your Medigap can also cover all or part of your Medicare Part A deductible.
  6. Part B Annual Deductible – Likewise, this benefit allows your Medigap to cover all or part of your Medicare Part B deductible.
  7. Part B Excess Charges – This covers any excess charges that Medicare may not cover in its medical insurance coverage.
  8. Cost of Foreign Emergency – If you have a medical emergency when not in the United States, Medicare cannot help you, but Medigap might if you have this coverage.
  9. Nursing Facility Care Coinsurance – This helps cover the costs of nursing facilities.
  10. Yearly Out-of-Pocket Limit – A few of the plans have an out-of-pocket limit you need to be aware of.

The Medigap Plans

There are 10 standardized Medigap Plans in the U.S. UnitedHealthcare only provides eight of them, however. UnitedHealthcare does not offer Plans D or M. Additionally, UnitedHealthcare does not offer every plan in every area. The company is required to provide Plan A and either Plan C or F, so you are guaranteed one of these. The costs of each plan vary depending on your health and situation, so if one of these plans appeals to you, you should contact UnitedHealthcare to get an estimate. As long as you pay your premiums, your rates do not increase as you age.

Medigap Plan Coverage
Plan A Part A Coinsurance (100%)

Part B Coinsurance (100%)

Blood (100%)

Part A Hospice/Respite Care (100%)

 

 

Plan B

Part A Coinsurance (100%)

Part B Coinsurance (100%)

Blood (100%)

Part A Hospice/Respite Care (100%)

Part A Deductible (100%)

Plan C Part A Coinsurance (100%)

Part B Coinsurance (100%)

Blood (100%)

Part A Hospice/Respite Care (100%)

Part A Deductible (100%)

Part B Annual Deductible (100%)

Part B Excess Charges (80%)

Cost of Foreign Emergency (80%)

Nursing Facility Care Coinsurance (100%)

Plan F Part A Coinsurance (100%)

Part B Coinsurance (100%)

Blood (100%)

Part A Hospice/Respite Care (100%)

Part A Deductible (100%)

Part B Annual Deductible (100%)

Part B Excess Charges (80%)

Cost of Foreign Emergency (80%)

Nursing Facility Care Coinsurance (100%)

Plan G Part A Coinsurance (100%)

Part B Coinsurance (100%)

Blood (100%)

Part A Hospice/Respite Care (100%)

Part A Deductible (100%)

Part B Excess Charges (80%)

Cost of Foreign Emergency (80%)

Nursing Facility Care Coinsurance (100%)

Plan K Part A Coinsurance (100%)

Part B Coinsurance (50%)

Blood (50%)

Part A Hospice/Respite Care (50%)

Part A Deductible (50%)

Nursing Facility Care Coinsurance (50%)

Yearly Out-of-Pocket Limit ($5,240)

Plan L Part A Coinsurance (100%)

Part B Coinsurance (75%)

Blood (75%)

Part A Hospice/Respite Care (75%)

Part A Deductible (75%)

Nursing Facility Care Coinsurance (75%)

Yearly Out-of-Pocket Limit ($2,620)

Plan N Part A Coinsurance (100%)

Part B Coinsurance (100%)

Blood (100%)

Part A Hospice/Respite Care (100%)

Part A Deductible (100%)

Part B Excess Charges (80%)

Cost of Foreign Emergency (80%)

Nursing Facility Care Coinsurance (100%)