What is Medicare?



What Is Medicare? 

Medicare is health insurance for the following:
-People 65 or older
-People younger than 65 with certain disabilities
-People of any age with End-Stage Renal Disease (ESRD) (permanent kidney failure requiring dialysis or a kidney transplant)

Medicare Advantage Plans (like an HMO or PPO) are health plans run by Medicare-approved
private insurance companies.

Medicare Advantage Plans (also called “Part C”) include Part A, Part B, and usually other coverage like Medicare prescription drug coverage (Part D),
sometimes for an extra cost.

UnitedHealthcare® Medicare Solutions is a portfolio of Medicare products and part of UnitedHealth Group which delivers innovative products and services to over 70 million Americans. As a leader in Medicare-focused health care for over 20 years, the Medicare Solutions from UnitedHealthcare serve one out of every five people eligible for Medicare through a variety of products including Medicare Advantage,Medicare Supplement, and Medicare Part D prescription drug plans.

Medicare Advantage plans [offered through UnitedHealthcare Medicare Solutions] offer all of the benefits covered under Original Medicare and more. Many plans also include Medicare Part D prescription drug coverage. Depending on residency, there may be several Medicare Advantage plans to choose from including HMO, POS, PPO and PFFS plans.

Plans are coordinated care Medicare Advantage plans also known as Health Maintenance Organization (HMO) plans. HMO plans have a network of local doctors and hospitals.

Plans are Health Maintenance Organization plans that offer a Point-of-Service (POS) option. POS plans give members the flexibility to go out of the network to receive some health care services.

Plans are Preferred Provider Organization (PPO) plans. PPO plans provide access to a network of local doctors and hospitals but also allow the flexibility to use physicians or hospitals outside the network. For most of these plans a referral is not needed for specialty care.

Medicare Advantage Special Needs Plans [offered through UnitedHealthcare Medicare Solutions] provide health care coverage for people with a chronic disease or illness, who live in an institution or who qualify for both Medicare and Medicaid (also referred to as “dual eligible”).

Medicare Supplement plans [offered through UnitedHealthcare Medicare Solutions] account for the nation’s largest Medicare Supplement business. These plans typically provide more freedom to choose doctors and hospitals, and see specialists without referrals. Medicare Supplement plans also offer National coverage.

Medicare Part D plans [offered through UnitedHealthcare Medicare Solutions] account for the nation’s largest Part D business and are available in all 50 states and territories. These plans provide a way to add drug coverage to Original Medicare or Medicare Supplement coverage.

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