Learn about plan types
Get a better understanding of your plan type and learn about the benefits it offers. To verify your plan type, review plan benefits and costs.
Medicare Advantage (MA) plans
These plans combine Medicare Part A and Part B into a single plan and come from a Medicare-approved private insurer, like UnitedHealthcare®, who contracts with the Federal government. Many MA plans offer extra benefits beyond Original Medicare, often including prescription drug coverage, at no additional cost beyond the monthly plan premium.
There are different types of MA plans. Learn more about your MA plan type:
Health Maintenance Organization (HMO) plans
An HMO plan allows you to receive care from any of the physicians and hospitals in your plan's network*. You must select a primary care physician , who oversees your care and will refer you to a specialist if you need one.
With an HMO plan, your preventive care is covered and your out-of-pocket costs are usually lower than other plans. These plans generally do not provide coverage outside the network of contracted providers, except in emergencies.
*In most cases, if you obtain routine care from out-of-plan providers, neither Medicare nor the Medicare Advantage HMO plan will be responsible for the costs.
Preferred Provider Organization (PPO) plans
PPO plans let you choose between in-network and out-of-network doctors and hospitals. These plans reimburse all covered benefits, in or out of the network, as long as they're medically necessary.
You can see any provider outside of the network, as long as they accept Medicare and the plan. If you need specialty care, no referral is required.
Who do I contact with additional questions?
For questions regarding the UnitedHealthcare® Group Medicare Advantage plans, call 1-844-876-6161, 8 a.m. - 8 p.m. local time, Monday through Friday. TTY users, call 711.