While Medicare is an invaluable program that helps keep American seniors healthy and secure, it’s also quite complicated. Once you join the program, you’ll almost certainly start considering the wide scope of extended coverage options. This is because Medicare isn’t free, as many people mistakenly think it is. While it’s more affordable than most healthcare options, it comes with a modest premium and a variety of out of pocket costs. However, you can mitigate these out of pocket costs by choosing a good Medicare Supplement insurance provider.

What is Medicare Supplement Insurance?

Medicare supplement insurance plans, also known as medigap plans allow you to cover many of your out of pocket expenses. The range of plans themselves are standardized by the Medicare administration, but the administration does not provide them. Instead, you choose a provider such as United Healthcare to purchase a Medigap plan from by paying a monthly premium.

Once you enroll in a Medigap plan, you’ll enjoy combined coverage from original Medicare and your supplemental insurance. The way this works is simple; after you receive medical care, your Part A and Part B benefits will come into effect. Certain deductibles, coinsurances, and excess charges may remain on the bill. However, before these expenses reach you, the Medigap plan comes into effect and pays its share. Depending on the plan you choose, this might be as modest as removing your deductibles or so thorough as to leave you with no out of pocket expenses.

It’s important to note that supplement plans will cover the gaps within Medicare, but do not extend coverage itself. No Medigap plan will provide types of care that the core program does not include, such as dental.

Are United Healthcare Medigap Plans Good?

United Healthcare is one of the leading providers of Medigap plans across the United States and provides a diverse set of supplemental insurance options. In general, United Healthcare ranks high on margins of customer satisfaction and performance. The company is a good Medicare supplement plan provider, but what matters the most is whether or not they have a plan that suits you. Odds are you’ll find a suitable plan with United Healthcare, as they cover the most popular and comprehensive choices as well as various other options.

  • Plan A
  • Plan B
  • Plan C
  • Plan F
  • Plan G
  • Plan K
  • Plan L
  • Plan N

Of the plans in question, Plan F is the most popular choice as it covers all out of pocket expenses that come with Medicare. However, the Medicare administration is not allowing new beneficiaries to sign up for this supplemental insurance plan. The most similar alternatives are Plan G and Plan N, each of which includes slightly less coverage than Plan F but also come with smaller premiums.

If you’re looking for a smaller premium and modest coverage, then Plan K and L may suit you. These cover 100% of some basic out of pocket expenses but also include 50%-75% of others. Finally, Plan A, Plan B, and Plan C are highly affordable options that are likely to pay for themselves by eliminating your deductibles and copays.

Choose the Right United Healthcare Supplement Plan

If you’re looking for an in-depth breakdown of the United Healthcare Medigap plans, give the Medicare Health Experts a call. Choosing the right plan is an important step towards getting the best care at the lowest expense.