- Plans designed to help people navigate health from home,
in-person, online and across every touch point in between
- More plans, including HMOs, have access to the UnitedHealthcare
Medicare National Network
- Most people will see stable or reduced Medicare Advantage
premiumsi and nearly 2.5 million members will have $0 premiums
- Nearly all plans offer $0 copays for telehealth visits, labs,
routine vision and hearing exams, colonoscopies, mammograms and
- Company offers broad access to plans that cap insulin costs at
$35 per month and eliminates out-of-pocket drug costs on most Dual
Special Needs Plans
UnitedHealthcare® today introduced its 2021 Medicare Advantage
and prescription drug plans, showcasing affordable coverage,
exclusive benefits, expanded plan access and a simplified member
experience that connects people to quality care – when and where
they need it.
“It is more important than ever during times like these to
provide stability and peace of mind for people when it comes to
their care and coverage,” said Tim Noel, CEO of UnitedHealthcare
Medicare & Retirement. “We have listened intently to our
members, and to deliver on the stable, comprehensive coverage they
expect and deserve, we are committed to delivering Medicare plans
with more: more $0 and low-premium plans and $0 copays; more
benefits and access to care – all adding up to more value for the
people we serve.”
Currently, more than 6.5 million peopleii are enrolled in
UnitedHealthcare Medicare Advantage plans. In 2021, the company
will expand its service area to reach nearly 3.2 million additional
people in nearly 300 counties – the company’s largest footprint
expansion in five years.i
Highlights of UnitedHealthcare’s 2021 Medicare Advantage plans
More Access to Care from Anywhere to Bring Peace of
“The COVID-19 pandemic is a watershed moment that is profoundly
altering the health care landscape. At-home health care went from
being a convenient care option to, at times, the only option for
many people,” said Noel. “And while COVID-19 changed so much for so
many of us, it did not change UnitedHealthcare’s unwavering
commitment to helping people access the care they need, whether in
a clinical setting or at home.”
Offerings that help enable more access to care include:
- Telehealth Visits: All plans will
offer telehealth visits with a $0 copay. i
- Medicare National Network: The
nation’s largest Medicare Advantage networkiii will be available
across more plans, including many HMO plans. Whether at home or
traveling, members pay network costs when they see any of the more
than 850,000 network care providers.
- HouseCalls: Most plans will
include HouseCalls, a program that offers people a yearly visit
with a licensed clinician from the comfort of home, helping to
coordinate needed care – including with an individual’s primary
care provider; conducting health screenings and providing education
on the management of chronic conditions. The company expects to
complete nearly 1.7 million HouseCalls for its members in
- Tailored support: To provide a
more personal and simpler member experience, UnitedHealthcare is
rolling out a market-aligned Advocate4Me service model that
empowers advocates’ expertise within their designated regions. This
includes increased knowledge of the market, available plans,
network and product offerings – helping to drive more tailored
support, reduce transfer rates and improve satisfaction.
- Navigate4Me: For people in
UnitedHealthcare Medicare Advantage plans who have complex health
care needs, such as those facing an acute health event like a
surgery or cancer treatment, those managing a chronic illness like
COPD or diabetes or those in Dual Special Needs Plans, Navigate4Me
offers one-on-one support. A single point of contact helps to
coordinate care, address claims issues, provide social support and
assist with other needs. For members impacted by COVID-19, this
service also offers a helping hand to navigate safe quarantine,
obtain medication and food when isolated and access clinical care
if needed. One million people will have a dedicated
UnitedHealthcare navigator by the end of 2020.
Simple, Affordable Products
“In listening to the people we serve, we know the key is
affordable, predictable coverage that is easy to use and
understand,” said Steve Warner, senior vice president of Medicare
Advantage, UnitedHealthcare Medicare & Retirement. “We
purposefully design our products to meet consumers’ expectations
around affordability and simplicity.”
Plans and product features that will help deliver cost savings
and a simpler consumer experience in 2021 include:
- Premiums: Nearly 2.5 million
members will see $0 Medicare Advantage premiums in 2021, and almost
all will see stable or reduced premiums. i
- Medicare Advantage Patriot Plans:
The UnitedHealthcare Medicare Advantage Patriot plans are designed
specifically with veterans in mind, as well as other individuals
with existing drug coverage. These plans will provide broad access
to care and benefits beyond Original Medicare like dental, vision
and fitness, and nearly all will have a $0 premium, and many will
include a Part B premium rebate – up to $100 per month.
- $0 Copays: Almost all plans will
have $0 copays on the following: medical and behavioral telehealth
visits; labs; routine vision and hearing exams; colonoscopies and
mammograms; and cardiac rehab. Additionally, nearly everyone in
UnitedHealthcare’s coverage area will have access to a plan with $0
primary care copays.
- Prescription Drug Affordability:
Most plans include prescription drug coverage, and with the goals
of cost savings, price predictability and transparency,
UnitedHealthcare is offering a variety of ways for people to save.
- Part D Senior Savings Model: The company will offer
broad access to Medicare Advantage and Part D plans that limit
monthly out-of-pocket costs to $35 for all covered insulin, helping
people better predict their monthly expenses and amounting to
projected average annual savings of nearly $450 for beneficiaries
who take insulin.
- $0 Drug Copays on Dual Special Needs Plans (D-SNP): In
2021, UnitedHealthcare will be removing copays on covered drugs on
most D-SNP plans, giving people access to the prescription drugs
they need at no out-of-pocket cost.
- Lower Costs and More Generics Covered: Even more generic
prescription drugs are covered with low to $0 copays, including
tier 1 and tier 2.
- Bonus Drug Coverage: To lower out-of-pocket costs and
simplify the consumer experience, the majority of UnitedHealthcare
Medicare Advantage plans will offer bonus drug coverage for common
non-Medicare covered prescription drugs, including drugs for
erectile dysfunction and commonly used prescription vitamins like
vitamin D, folic acid and vitamin B12.
- Home Delivery: Most plans also offer $0 copays for tier
1 and tier 2 drugs ordered through the OptumRx home delivery
“The breadth of UnitedHealth Group allows us to develop unique
products with benefits that add real value to people’s lives – and
their pocketbooks,” said Warner. “Our portfolio of plans offers
something for everyone – from people seeking everyday wellness
support to those ready to ramp up their fitness routines to those
managing chronic conditions – and everyone in between.”
Extra benefits and features that help improve physical and
financial well-being include:
- Renew ActiveTM Fitness Program:
The gold standard in Medicare fitness programs for body and mind
will expand to 11 new states and D.C. in 2021iv, and will be
available to people enrolled in most Medicare Advantage plans
across 47 states and D.C. Renew Active provides access to an
extensive, nationwide network of gyms and fitness locations – one
of the largest of all Medicare fitness programsv. Renew Active also
offers access to local wellness classes and events, and to support
staying healthy from the convenience of home, offers access to
thousands of workout videos and an online brain health program from
AARP Staying Sharp®.
- Dental: The company offers the
nation’s largest Medicare Advantage dental network iii , and a
progressive benefit design offers expanded coverage with affordable
access to comprehensive dental for most Medicare eligibles.
- Vision and Hearing: All plans
cover an annual eye exam, and most cover standard lenses in full,
with access to a broad retail eyewear network and convenient home
delivery options through Glasses USA as well as exclusive partner,
Warby Parker. The majority of plans also offer a choice of
discounted hearing aids.
- Over-the-Counter (OTC) Products:
Most plans will include a quarterly credit for a broad selection of
common OTC products. People can order online, by phone or by mail
for quick delivery to their door.
- Healthy Food Benefit: Most D-SNP
plans will offer a monthly credit, up to $660 annually, to buy
fruits, vegetables, meat, seafood, dairy and more.
- Renew Rewards: The majority of
members may be eligible to earn up to $120 in rewards for
completing certain health care activities such as an annual
physical or wellness visit, preventive screenings, a flu shot or by
staying active and tracking their steps.
More Plan Options to Meet Diverse
The only company to offer Medicare plans with the AARP name,
UnitedHealthcare serves nearly one in five people in the Medicare
program through its portfolio of plansvi.
This includes approximately 4.5 million through its Medicare
Supplement plans. In 2021, people with eligible UnitedHealthcare
Medicare Supplement plans across 35 states will have access to a
variety of value-added programs and features offered at no
additional cost, including a nationwide dental discount program
with no waiting periods or annual limits, a hearing aid discount
program; 24/7 nurse line; Renew Active by UnitedHealthcare, which
offers access to an extensive network of participating gyms and
fitness locationsvii as well as access to AARP Staying Sharp®
online brain health program; and an AARP Smart DriverTM course – an
online or in-person driving refresher course that may allow for
reduced insurance premiums.
UnitedHealthcare also serves approximately 4.1 million people
through its stand-alone Part D prescription drug plans, including
the AARP® MedicareRx Walgreens (PDP) plan, which offers $0 tier 1
copays at more than 9,200 Walgreens and Duane Reade locations.
People can make changes to their Medicare coverage during
Medicare Annual Enrollment, which runs from Oct. 15 to Dec. 7.
For more information on UnitedHealthcare’s Medicare plans, visit
UnitedHealthcare is dedicated to helping people live healthier
lives and making the health system work better for everyone by
simplifying the health care experience, meeting consumer health and
wellness needs, and sustaining trusted relationships with care
providers. In the United States, UnitedHealthcare offers the full
spectrum of health benefit programs for individuals, employers, and
Medicare and Medicaid beneficiaries, and contracts directly with
more than 1.3 million physicians and care professionals, and 6,500
hospitals and other care facilities nationwide. The company also
provides health benefits and delivers care to people through owned
and operated health care facilities in South America.
UnitedHealthcare is one of the businesses of UnitedHealth Group
(NYSE: UNH), a diversified health care company. For more
information, visit UnitedHealthcare at www.uhc.com or follow @UHC
Plans are insured through UnitedHealthcare Insurance Company or
one of its affiliated companies. For Medicare Advantage and
Prescription Drug Plans: A Medicare Advantage organization with a
Medicare contract and a Medicare-approved Part D sponsor.
Enrollment in these plans depends on the plan’s contract renewal
For Dual Special Needs Plans: A Medicare Advantage organization
with a Medicare contract and a contract with the State Medicaid
$0 co-pay is applicable only during the initial coverage stage
and may not apply during the coverage gap; it does not apply during
the catastrophic stage.
UnitedHealthcare Insurance Company pays royalty fees to AARP for
the use of its intellectual property. These fees are used for the
general purposes of AARP. You do not need to be an AARP member to
enroll in a Medicare Advantage or Prescription Drug Plan. AARP and
its affiliates are not insurers. AARP encourages you to consider
your needs when selecting products and does not make specific
product recommendations for individuals. United contracts directly
with Walgreens for this plan; AARP and its affiliates are not
parties to that contractual relationship.
UnitedHealthcare Insurance Company contracts directly with
Walgreens for this plan; AARP and its affiliates are not parties to
that contractual relationship.
Other Pharmacies are available in our network, but you may not
receive preferred retail pharmacy pricing. Copays apply after
AARP MedicareRx Preferred (PDP) and AARP MedicareRx Saver Plus
(PDP)’s pharmacy network includes limited lower-cost pharmacies in
rural AK, MT, NE, ND, SD and WY. There are an extremely limited
number of preferred cost share pharmacies in suburban MT. AARP
MedicareRx Walgreens (PDP)’s pharmacy network offers limited access
to pharmacies with preferred cost sharing in urban ND; suburban HI,
ND, PA and rural AK, AR, HI, IA, ID, KS, MN, MT, NE, OK, OR, PA,
SD, and WY. There are an extremely limited number of preferred cost
share pharmacies in suburban MT and rural ND. The lower costs
advertised in our plan materials for these pharmacies may not be
available at the pharmacy you use. For up-to-date information about
our network pharmacies, including whether there are any lower-cost
preferred pharmacies in your area, please call us or consult the
online pharmacy directory using the contact information that
appears on the booklet cover.
For 2021, this plan participates in the Part D Senior Savings
Model which offers lower, stable, and predictable out-of-pocket
costs for covered insulin through the different Part D benefit
coverage stages. You will pay a maximum of $35 for a 1-month supply
of covered insulin during the deductible, initial coverage and
coverage gap or “donut hole” stages of your benefit. You will pay
5% of the cost of your covered insulin in the catastrophic stage.
Your cost may be less if you receive Extra Help from Medicare.
Participation in the Renew Active™ program is voluntary. Consult
your doctor prior to beginning an exercise program or making
changes to your lifestyle or health care routine. Renew Active
includes standard fitness membership. Equipment, classes,
personalized fitness plans, caregiver access and events may vary by
location. Certain services, classes and events are provided by
Affiliates of UnitedHealthcare Insurance Company or other third
parties not affiliated with UnitedHealthcare. Participation in
AARP® Staying Sharp® and the Fitbit® Community for Renew Active is
subject to your acceptance of their respective terms and policies.
AARP Staying Sharp is the registered trademark of AARP. AARP Smart
Driver is the trademark of AARP. UnitedHealthcare is not
responsible for the services or information provided by third
parties. The information provided through these services is for
informational purposes only and is not a substitute for the advice
of a doctor. The Renew Active program varies by plan/area. Access
to gym and fitness location network may vary by location and plan.
Renew Active premium gym and fitness location network only
available with certain plans.
Renew Active by UnitedHealthcare is not available in all
HouseCalls may not be available in all areas.
iRefers to UnitedHealthcare’s standard Medicare Advantage plans
(i.e., non-special needs plans).
iiCMS enrollment data, August 2020. Enrollment across all
iiiNetwork size varies by market
ivNew Renew Active states for 2021 – Arkansas, Delaware,
Georgia, Louisiana, Massachusetts, Maryland, Michigan, Mississippi,
Pennsylvania, South Carolina and West Virginia.
vBased on gym and fitness location network size.
viCMS enrollment data, August 2020.
viiThese are additional insured member services apart from the
Medicare Supplement Plan benefits, are not insurance programs, are
subject to geographical availability and may be discontinued at any
time. Availability of fitness program may vary by area. Fitness
program network only includes participating facilities and
locations. None of these services should be used for emergency or
urgent care needs. In an emergency, call 911 or go to the nearest
emergency room. Note that certain services are provided by
Affiliates of UnitedHealthcare Insurance Company or other third
parties not affiliated with UnitedHealthcare.
version on businesswire.com: https://www.businesswire.com/news/home/20201001005190/en/
Jessica Kostner UnitedHealthcare email@example.com
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