UnitedHealthcare is the largest provider of Medicare Advantage plans
[1]
 and offers plans in nearly nine out of every 10 counties in the U.S. UnitedHealthcare also partners with AARP, insuring the Medicare products that carry the AARP name.

The vast majority (95%) of UnitedHealthcare members are in highly rated plans, and UnitedHealthcare gets high marks overall. UHC ranks just below the industry average in a recent member satisfaction survey, but it's an improvement from last year's score.
Here’s what you should know about UnitedHealthcare Medicare Advantage.
UnitedHealthcare Medicare Advantage pros and cons
UnitedHealthcare’s offerings have advantages and disadvantages:
Pros
Largest network: UnitedHealthcare offers the largest Medicare Advantage network of all companies, with more than 1 million network care providers.

Highly rated plans: UnitedHealthcare has 45 contracts in 2023 rated 4 stars or higher by the Centers for Medicare & Medicaid Services and a higher-than-average overall star rating.

$0 copays: Most eligible plan members will have the option of a plan with a $0 copay for primary care as well as lower copays for specialist and therapy visits in 2023.

Home benefits: UnitedHealthcare offers $0-copay telehealth visits as well as annual home health visits for members who need a house call.

Cons
Average member satisfaction ratings: Despite being a behemoth in the industry, UnitedHealthcare's member satisfaction scores in J.D. Power’s recent 2022 Medicare Advantage Study landed just below the industry average, in fourth place out of nine providers. (That said, it's a bump up from sixth place in 2021.)

Special needs plans can get pricey: While plenty of $0-premium plans are available, UnitedHealthcare also offers the highest-priced special needs plans, or SNPs, in 2023, so it’s worth keeping an eye on the cost for plans that fit your needs.

» MORE: Best Medicare Advantage plans
Looking for Unbiased Medicare Advice?
Fair Square is a licensed Medicare Brokerage with over 2,500 5-star reviews. You can reach them at (888) 292-2091.
Fair Square
Available UHC Medicare Advantage plans
UnitedHealthcare offers several kinds of Medicare Advantage plans, and they vary in terms of structure, costs and benefits available.

In general, UnitedHealthcare offers Medicare Advantage prescription drug plans as well as stand-alone prescription drug plans and Medicare Advantage plans without drug coverage. UHC also offers Medicare Advantage Patriot Plans, which are geared toward veterans and other people with existing drug coverage.

Other plan offerings include the following types:

HMO plans

HMO-POS plans

PPO plans

PFFS plans

SNPs
 Back to top
Additional benefits
UnitedHealthcare Medicare Advantage offers most plan members access to dental care (and the largest Medicare Advantage dental network) and hearing aids. Many of its plans offer other benefits. Here are a few standouts:

Fitness benefits: UnitedHealthcare’s Renew Active fitness program gives members access to a large network of gyms and fitness facilities as well as local classes and events. Members can also access a library of online workout videos and an online brain health program from AARP Staying Sharp.

Food and over-the-counter allowance: Some plan members may get an allowance they can put toward their choice of healthy foods and covered over-the-counter items like cough and cold meds, first-aid supplies, vitamins and pain relievers.

Healthy rewards: Members may be able to earn rewards for completing health-related tasks, such as getting their annual physical.

Home health visits: Most plans include HouseCalls, a program that offers members an annual visit with a licensed clinician in their home, which can be used to help manage care.

Care coordinators for complex problems: People in UHC's Dual-Eligible special needs plans, or D-SNPs, have access to one-on-one support for a variety of needs through UHC’s Navigate4Me program.

Telehealth: Many members have access to plans offering $0 copays for telehealth visits.

 Back to top
Looking for Unbiased Medicare Advice?
Fair Square is a licensed Medicare Brokerage with over 2,500 5-star reviews. You can reach them at (888) 292-2091.
Fair Square
Customer service
UnitedHealthcare members can contact their plan’s customer service in the following ways:

Call the number on their member ID card.

Chat with a service advocate (available once members log in to their member page).

Call 800-721-0627 (TTY: 711) for technical issues 7 a.m. to 10 p.m. Central time seven days a week.

Connect with UHC on Twitter or Facebook.

 Back to top
UnitedHealthcare Medicare service area
UnitedHealthcare offers Medicare Advantage plans in 49 states and Washington, D.C. Altogether, UnitedHealthcare offers plans in 2,798 counties, or 89% of counties in the U.S. — the second-highest number among providers (Humana tops the list). Ninety-five percent of Medicare beneficiaries have the option of a UnitedHealthcare plan
[2]
.

Overall, UnitedHealthcare is the largest health insurer in the country, with 8.2 million Medicare beneficiaries enrolled in a UnitedHealthcare Medicare Advantage plan as of October 2022. The company added more than 1.1 million members for the 2023 plan year, according to a report from health care analytics firm The Chartis Group
[3]
.

 Back to top
UnitedHealthcare Medicare costs
Costs for Medicare Advantage plans will depend on your plan, geographic location and health needs. One of the costs to consider is the plan’s premium, and UnitedHealthcare estimates that nearly 3.3 million of its Medicare Advantage members will have $0 premiums in 2023. In total, 65% of UnitedHealthcare’s Medicare Advantage plans are $0-premium plans
[4]
.

For 2023 UnitedHealthcare Medicare Advantage plans with a premium, the monthly consolidated premium (including Part C and Part D) ranges from $9 to $197. For special needs plans with a premium, monthly premiums range from $1.20 to $197
[5]
.

Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is at least $164.90 per month in 2023. (Most people pay this standard amount, but if your income is above a certain threshold, you’ll pay more.)

Other out-of-pocket costs to consider include:

Whether the plan covers any part of your monthly Medicare Part B premium.

The plan’s yearly deductibles and other deductibles, such as a drug deductible.

Copayments and/or coinsurance for each visit or service. For instance, there may be a $10 copay for seeing your primary doctor and a $45 copay for seeing a specialist.

The plan’s in-network and out-of-network out-of-pocket maximums.

Whether your medical providers are in network or out of network, or how often you may go out of network for care.

Whether you require extra benefits, and whether the plan charges for them.

To get a sense of costs, use Medicare’s plan-finding tool to compare information among available plans in your area. You can select by insurance carrier to see only UnitedHealthcare plans or compare across carriers. You can also shop directly from UnitedHealthcare’s website by entering your ZIP code, and you’ll be able to compare the plans available.

 Back to top
UHC Medicare star ratings
Average star rating, weighted by enrollment: 4.28

The Centers for Medicare & Medicaid Services maintains a database of star ratings on every Medicare Advantage and Medicare prescription drug plan, ranging from best (5 stars) to worst (1 star). The agency bases these ratings on plans’ quality of care and measurements of customer satisfaction, and ratings may change from year to year.

All Medicare Advantage plans are evaluated on health plan measures, and Medicare Advantage plans that include prescription drug coverage are also evaluated on drug plan measures. Based on the most recent year of data and weighted by enrollment, UnitedHealthcare’s 2023 Medicare Advantage plans got an average rating of 4.28 stars
[6]
.

For comparison, the average weighted star rating for plans from all providers was 4.15
[7]
.

Nine UnitedHealthcare contracts received 5-star ratings, and 11 received 4.5 stars. Eight contracts were too new or otherwise lacking enough data to be rated.

Of UnitedHealthcare members who are in Medicare Advantage contracts with a star rating, nearly all (95%) are in contracts rated 4.0 or above as of September 2022
[8]
.