United Healthcare Medicare Supplement Plans 2023

I’m a retired teacher. I was in my teachers’ retirement healthcare system. But premiums kept going up and I could no longer afford it.

I signed on with a United Medigap policy. Wow, what a difference. Doctors appointments, ER visits, hospitalizations, prescription drugs, and visiona dental coverage at a cost I could actually afford.

I had three strokes and a heart attack. Paid almost nothing out of pocket each time. Very happy with my Medigap plan from United Healthcare!

Our United Health Care Medical supplement plan has been great for my husband and I since we both have degenerative vision issues. That means we need new glasses and new eye exams more frequently than other people. Our United Health Care plan includes 30 percent discounts on glasses.

Plus, our Plan G covers all our specialist visits to opthamologists. We’ve paid nothing out of pocket for years other than the deductible for Medicare Part B.

Customer service has been great, too. And the website is good for visually impaired but it could be better.

Oh, the mail order pharmacy from Optum is great for us because we don’t drive so we can’t just go to CVS to pick up our prescriptions. Highly recommend United Health Care for Medigap.

I was with a different carrier’s Medicare Advantage plan for years. But as I got older, I needed to see different doctors. The Medicare Advantage plan was ok, but the narrow network made it harder and harder for me to see a specialist convenient to my location when I needed to. Plus, it was an HMO. So premiums were low, but I needed to get a referral every time I needed to see a specialist.

That meant I had to make two appointments: One with my primary care doctor to get the referral, and then another separate appointment to see a specialist.

I got tired of that routine. I called Medigap Advisors and my personal benefits manager told me I should look at United Healthcare’s medicare supplement plans.

So far, it’s worked out great: I can see almost any doctor in town, and I don’t need a referral to see a specialist. I can just make the appointment and go. If the service is covered by Medicare, I know it’s covered under my Medicare supplement plan.

My agent also told me that since I was leaving a plan that had built-in prescription drug coverage I also needed to buy a Medicare Part D plan to work on top of my new Medicare supplement plan. I did that, and I also added dental and vision coverage with a separate policy.

I’m paying more in premiums. But I’m getting a much better health care experience thanks to being able to choose my own doctor and clinic, and not have to jump through hoops to get a referral.

My advice to other people just becoming eligible for Medicare is to look at more than just the monthly premium. Look at what will happen at claim time. Look at the technology the company has on its website. Look at your agent, because the right agent can make a big difference. And consider your overall health care experience with the plan.

United Healthcare was one of the few options we had to us here in Lowell, Massachusetts. MA is terrible at healthcare, and almost every other medicare supplement plan stays the heck away from Massachusetts. So regular people like me don’t have any real choices.

So far, United Healthcare’s been really good at paying claims for my family. Not so good at customer service. So not giving them five stars, but they’re closes!