Whatever your Medicare needs, we can help you choose the solution that s right for you.

Transcription

1 UnitedHealthcare offers a family of Medicare options to help you get the most from your Medicare coverage, including: Whatever your Medicare needs, we can help you choose the solution that s right for you. UnitedHealthcare also offers additional Medicare solutions from: C0009M0011_091007_ OVEX _000 PSC Evercare Medicare Advantage plans are special needs plans available to all people meeting certain eligibility requirements, such as having both Medical Assistance from the state and Medicare, living in a contracted nursing home, or having a qualifying chronic care condition. The benefit information provided herein is a brief summary, but not a comprehensive description of available benefits. Additional information about benefits is available to assist you in making a decision about your coverage. This is an advertisement; for more information contact the plan. PMMBAB208_1

2 Learn more about your Medicare choices. When it comes to choosing your Medicare coverage, deciding on the right plan can sometimes be confusing. Looking over this information will help get you off to a good start. For over 20 years, UnitedHealthcare Insurance Company and its affiliates have provided Medicare plans for people age 65 or older as well as other Medicare eligibles with certain disabilities. What you need to decide. Your most important decision may be whether you want Medicare (Parts A & B) or Medicare Advantage (Part C). Once you make this decision, you will have other things to consider. Original Medicare (Parts A & B) Is operated by the government and government subcontractors. Medicare pays a fee for your care directly to the doctors and hospitals you visit. Medicare Advantage (Part C) Is operated by private companies approved by Medicare. Medicare pays a fixed fee to the plan for your care. The plan then directly pays the doctors and hospitals. UnitedHealthcare offers plans for many types of needs and budgets. We have the privilege of serving one in five Medicare beneficiaries*. These plans include AARP branded Medicare Plans, SecureHorizons Plans, and Evercare Plans. No matter what your situation is, chances are we have a plan for you if: You re just now eligible for Medicare, due to age or disability, and choosing your first plan You re thinking of changing your current coverage You have some retiree coverage and need a Medicare prescription drug or medical plan to round out your coverage You re on Medicaid and eligible for Medicare Part A helps with hospital costs. Part B helps with doctor and outpatient care. Part D helps pay for prescription medications (page 7). Medicare Supplement Insurance covers some of the financial gaps in Parts A & B coverage (page 8). + + Optional add-ons or + Part C plans combine hospital costs, doctor and outpatient care in one plan (page 4). Part D is available in Medicare Advantage plans. Some plans offer built-in prescription drug coverage. Other plans treat it as an optional add-on (page 7). Additional benefits are often included, such as vision and hearing services (page 6). Your needs may change but your coverage stays United. Special health plans are available for people with qualifying health or financial needs. For more information, see pages 5 and 6. *Source: UnitedHealth Group 2008 Annual Report. 2 3

3 I d like a single plan that helps me with my medical and drug costs with a few extras, like vision care, thrown in. I want a plan that helps me manage my long-term illness. Medicare Advantage Plans (Part C) An alternative to Original Medicare coverage (Parts A & B) is a Medicare Advantage Plan (Part C) which is operated through a private insurance company. These plans pay for doctor s visits, hospital costs, and, in many cases, prescription drug coverage. They may also include benefits like vision, hearing, dental and/or health and wellness programs. Some plans allow you to visit any Medicare-eligible provider, while others have a network of doctors and hospitals. A Medicare Advantage Plan may be the right choice for you if any of these fit your description: I like the idea of having a low or $0 monthly premium I want the ease of one plan that provides a variety of health care services If you have a chronic illness such as diabetes, cardiovascular disease or heart disease, you may like a Chronic Illness Special Needs Plan. This type of Medicare Advantage Plan offers members extra support to cope with complex health issues. These programs are designed to help you stay healthier while lowering your overall costs. Each plan has its own network of doctors and hospitals that work together to provide your care. If any of these apply to you, you may want to look into a Special Needs Plan: I have a specific long term illness like diabetes, cardiovascular disease or chronic heart failure I need additional benefits and services not covered by Original Medicare that are tailored to my condition, like diabetes monitoring supplies and a 24-hour Nurseline Chronic Illness Special Needs Plans Some plans have a $0 monthly plan premium. You must continue to pay your Part B premium and your Part A premium if you have one. I live in a nursing home or assisted living facility UnitedHealthcare offers the following Medicare Advantage Plans (Part C) that may meet your needs: UnitedHealthcare offers Special Needs Plans that could be right for you: 4 5

4 I want a plan that works with Medicaid to help me get more benefits at no extra cost. I m looking for a plan that helps me pay for my prescription drugs. Dual Special Needs Plans A limited income doesn t have to mean limited benefits. If you have Original Medicare Parts A & B and are eligible for state Medicaid benefits (or dual-eligible ), you may want a Dual Special Needs Plan. This is a kind of Medicare Advantage Plan that offers extra benefits and services beyond what is covered by Original Medicare or Medicaid. These plans may include prescription drug coverage, while lowering your overall costs. Each plan has its own network of doctors and hospitals that will work together to provide you with coordinated and personalized care. If any of these describe your situation, you may be eligible for a Dual Special Needs Plan: I m single and my yearly income for 2009 is less than $15,000 Have Original Medicare Parts A & B? If so, you can get help paying for prescription drugs through a stand-alone Medicare Prescription Drug Plan (Part D). These plans are only offered by insurance companies, including UnitedHealthcare, and are approved by Medicare. When choosing, keep in mind what drugs you take, what pharmacies you go to, and what plans are available in your area. Costs and the covered drugs can vary from plan to plan. The government wants everyone to have some sort of drug coverage as soon as they are eligible. There may be added costs for late enrollments. If any of the following describe you, you may want to consider a stand-alone Medicare Prescription Drug Plan (Part D): I am enrolled in Medicare Parts A & B Medicare Prescription Drug Plans (Part D) We re a couple and our combined yearly income for 2009 is less than $20,000 I want to have insurance protection in case my drug needs change I have Medicare Supplemental Insurance and I want drug coverage UnitedHealthcare offers the following Dual Special Needs Plans that may meet your needs: UnitedHealthcare offers the following national Medicare Prescription Drug Plans (Part D) that may meet your needs: 6 Another choice is to receive your Part D drug coverage through a Medicare Advantage Plan (page 4). 7

5 Medicare Supplement Insurance Plans I want a plan that can help me pay for some of the medical costs Medicare doesn t cover. While Medicare Parts A & B cover many of your health care expenses, you re still responsible for some costs. To help pay these expenses, many people get a Medicare Supplement Insurance Plan from a private insurance company. The plan will help make sure some or all of your out-of-pocket costs are covered, which could save you money. You may want to consider a Medicare Supplement Insurance Plan if any of these describe you: I want to know that I m covered for some out-of-pocket expenses not paid by Medicare I like the freedom of going to doctors, specialists, or hospitals of my choice, without referrals, as long as they accept Medicare I travel and want to be covered when I see doctors and visit hospitals at home and around the U.S. UnitedHealthcare offers the following Medicare Supplement Insurance Plans that may meet your needs: The family of UnitedHealthcare Medicare Solutions plans includes Part D Prescription Drug Plans, Medicare Supplement Insurance Plans and Medicare Advantage Plans featuring the UnitedHealth, AARP, SecureHorizons, SecureHorizons MedicareDirect, Evercare or AmeriChoice brand names. Plans are insured or covered by an affiliate of UnitedHealthcare Insurance Company, a Medicare Advantage organization with a Medicare contract and a Medicare-approved Part D sponsor. AARP and its affiliate are not insurance agencies or carriers and do not employ or endorse insurance agents, brokers, representatives or advisors. AARP does not recommend health related products, services, insurance or programs. You are strongly encouraged to evaluate your needs. The AARP MedicareComplete and AARP MedicareRx plans carry the AARP name, and UnitedHealthcare pays a fee to AARP for use of the AARP trademark; you do not need to be an AARP member to enroll. The AARP Medicare Supplement Insurance Plans carry the AARP name, and UnitedHealthcare pays a fee to AARP and its affiliate for use of the AARP trademark and other services. Amounts paid are used for the general purposes of AARP and its members. Neither AARP nor its affiliate is the insurer. Medicare Supplement Insurance Plans are not connected with or endorsed by the U.S. Government or the federal Medicare program. AARP Medicare Supplement Insurance Plans are insured by UnitedHealthcare Insurance Company, Horsham, PA (UnitedHealthcare Insurance Company of New York, Islandia, NY, for New York residents). Policy Form No. GRP GPS-1 (G ). SecureHorizons Medicare Supplement Insurance Plans are individual insurance plans and are insured by PacifiCare Life and Health Insurance Company or PacifiCare Life Assurance Company. Each insurer has sole responsibility for its own products. In some states plans may be available to persons eligible for Medicare by reason of disability. All plans may not be available in your state/area and for some plans you must reside in the plan s federally approved service area to obtain health care coverage. Call to receive complete information including benefits, costs, eligibility requirements, exclusions and limitations. This is a solicitation of insurance. A licensed agent may contact you. Not connected with or endorsed by the U.S. Government or the federal Medicare program. 8 9

6 Notes Notes Want more information? Call , TTY 711, 8 a.m.-8 p.m. local time, 7 days a week to learn more about our plans UnitedHealthcare Services, Inc.