UnitedHealthcare Medicare Advantage Plans and Options

UnitedHealthcare (UHC) is one of the largest health insurance companies in the country. They focus on helping people live healthier lives by offering a wide range of Medicare Advantage plans. At SelectQuote, we help you compare UnitedHealthcare Medicare Advantage plans to find the right fit for your health needs and budget.

Quick Guide to UnitedHealthcare Medicare Advantage Plans:

• Wide Variety: UHC offers Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans.

• Standout Benefits: Many UHC Medicare Advantage plans may include additional benefits such as dental, vision, hearing, and the Renew Active^® fitness program.

• Highly Rated: UHC is a leading provider of Medicare Advantage plans, and many of its plans earn high ratings for quality and performance.

• Costs Vary: You may have access to plans with $0 monthly premiums, though you must keep paying your Medicare Part B premium.
  
  

Note: Plan availability, benefits, and costs vary by county and ZIP code.

UHC Quality and Financial Strength

When choosing a Medicare carrier, it is important to pick a company you can trust. UnitedHealthcare has earned high financial ratings from A.M. Best (Current Rating: A). This shows they have the financial strength to pay claims and support their members.

In addition to financial ratings, it is helpful to look at Medicare Star Ratings. The Centers for Medicare & Medicaid Services (CMS) uses a 1-to-5-star system to rate plans on quality and member satisfaction. Many UnitedHealthcare Medicare Advantage plans perform highly in these rankings, giving you peace of mind about the care you will receive.

*Scores updated January 2026

Types of Medicare Advantage Plans Offered by UnitedHealthcare

SelectQuote can help you compare UnitedHealthcare Medicare Advantage plans and other options, including:

• Medicare Advantage (Part C): These plans are an all-in-one alternative to Original Medicare (Parts A and B). They provide the same coverage as Original Medicare but often include extras like dental, vision, and drug coverage.
  

• Medicare Supplement (Medigap): These plans help pay for the gaps in Original Medicare, such as copayments and deductibles.
  

• Prescription Drug Plans (Part D): These plans help cover the cost of your prescription drugs, including generics and brand-name drugs.
  
  

Special Needs Plans (SNPs)

UHC also offers specialized plans for people with specific needs:

• D-SNPs (Dual-Eligible): For people who have both Medicare and Medicaid.

• C-SNPs (Chronic Condition): For people living with chronic conditions like diabetes or heart disease.
  
  

Network Types

When you choose a UHC plan, you will typically use one of these networks:

• HMO: Usually requires you to see doctors within the network.

• PPO: Gives you more flexibility to see doctors outside the network, usually at a higher cost.

• HMO-POS: A hybrid that allows some out-of-network care in certain cases.

Popular UnitedHealthcare Medicare Advantage Benefits

Many seniors choose UHC Medicare because of the extra benefits that Original Medicare doesn’t offer:

• Everyday Allowances: The U-Card^® may provide credits to help pay for over-the-counter (OTC) items and healthy groceries.

• Renew Active^®: A fitness program that includes a free gym membership and brain health exercises.

• Routine Care: Most plans include coverage for routine dental exams, vision tests, and hearing aids.

Understanding UnitedHealthcare Medicare Advantage Costs

Medicare Advantage costs vary for everyone. Your costs will depend on where you live and the plan you choose.

• Premiums and Deductibles: While UHC offers $0 premium plans in many areas, you may still have to pay a deductible or copays. You must also continue to pay your monthly Medicare Part B premium.

• Out-of-Pocket Maximums: One of the best parts of a Medicare Advantage plan is the annual limit on what you pay. Once you reach this max, the plan pays 100% of your covered medical costs for the rest of the year.

How to Enroll in a UHC Plan

You can sign up for a UnitedHealthcare plan during specific times of the year:

• Initial Enrollment Period: When you first turn 65.

• Annual Enrollment Period (October 15 to December 7): When you can switch or join a new plan for the coming year.

• Special Enrollment Periods: If you move or lose your current coverage.

Why shop UHC Medicare Advantage plans with SelectQuote?

It can be hard to look through all your options on your own. SelectQuote strives to uncomplicate the process for you. Our licensed insurance agents can instantly compare UHC Medicare plans with those of other recognized carriers to help you find a plan that covers your specific needs. 

See What Our Customers Are Saying About SelectQuote

Explore Other Medicare Carriers with SelectQuote

SelectQuote shops several of the most trusted insurance companies in the nation on your behalf. We help you choose the right Medicare Advantage plan and carrier that fits your needs. After enrollment, we stay with you year-round so you can feel confident in your coverage and ongoing needs.

MULTI-PLAN_SQk2rk3PY26_M

Participating sales agencies represent Medicare Advantage HMO, PPO, and PFFS organizations, as well as stand-alone PDP prescription drug plans contracted with Medicare. Enrollment depends on the plan’s contract renewal. 

We do not offer every plan available in your area. Currently, we represent [insert number of organizations] organizations that offer [insert number of plans] products in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to learn about all your options. 

Enrollment in a plan may be limited to certain times of the year unless you qualify for a Special Enrollment Period or you are in your Medicare Initial Enrollment Period.