United Healthcare Medicare Advantage Provider Search – Choose an AARP® Medicare Supplement Insurance Plan from UnitedHealthcare to help cover some of your out-of-pocket medical expenses.
Medicare Supplement plans can be complicated, but UnitedHealthcare licensed insurance agents are here to help make it clear.
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You don’t have to worry about finding a new doctor, buying a plan every year, or network changes. A Medicare Supplement insurance plan can help you avoid the hassle of out-of-pocket costs, putting control right where it belongs… with you.
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**As long as you pay your premium when due and you have not made material misrepresentations when applying for this plan.
**As long as you pay your premium when due and you have not made material misrepresentations when applying for this plan. Prices are subject to change. Any change will apply to all members of the same class who are insured under your plan and who live in your state.
Medicare Parts A and B (“Original Medicare”) only cover some of your health care costs. This is where Medicare Supplement Insurance (“Medigap”) comes into play. Medigap plans cover some of the costs not covered by Original Medicare, such as coinsurance, deductibles, and deductibles.
In addition to the standard benefits of Medicare Supplement plans, an AARP Medicare Supplement Insurance Plan from UnitedHealthcare has many features that stand out.
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These offers are only available to insured members covered by an AARP Medicare Supplement Plan from UnitedHealthcare. These are additional insured member services other than AARP Medicare Supplement Plan benefits, are not insurance programs, are subject to geographic availability, and may be discontinued at any time. None of these services should be used for acute 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.
These offers are only available to insured members covered by an AARP Medicare Supplement Plan from UnitedHealthcare. These are additional insured member services other than AARP Medicare Supplement Plan benefits, are not insurance programs, are subject to geographic availability, and may be discontinued at any time. None of these services should be used for acute 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.
Prescription drugs can be expensive, and Medicare Parts A and B (“Original Medicare”) may not provide the coverage you need. Pairing an AARP
MedicareRx Part D Plan from UnitedHealthcare with a Medicare Supplement plan can help protect you from unexpected medical and prescription drug expenses now or in the future.
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*You pay a maximum of $35 for a 1-month supply of insulin during the deductible, initial coverage, and coverage gap or “donut hole” stages of your benefit. You pay 5% of the cost of your insulin during the catastrophic phase. You are not eligible for this program if you receive extra help.
If you have questions about the different plan options, are curious about the plan’s benefits, or just don’t know where to start, that’s OK. UnitedHealthcare is here and ready to help.
Our licensed insurance agents/producers are ready to answer your questions or help you make a personal appointment.
This link is made available so that you can obtain information from the third party on its website. It is provided as a convenience and not as an endorsement of the content of the third-party website or any products or services offered on that website. We do not assume responsibility for the products or services offered or the content of any linked site or any link contained in a sidebar. UnitedHealthcare is one of the largest health insurance companies in the country, insuring nearly 10% of the market. They offer many Medicare plans, which take the federal and state Medicare program and add their own coverage and benefits. Instead of getting Medicare directly through your state, individuals can sign up for a Medicare plan through UnitedHealthcare, which opens up their network to include thousands of excellent therapists.
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Yes, UnitedHealthcare Medicare provides coverage for mental health services, including therapy with a qualified professional. UnitedHealthcare is dedicated to providing care for the whole person, which includes finding emotional well-being. For this reason, and because of the federal Medicare mental health policy, UnitedHealthcare Medicare includes many mental health benefits.
However, the amount of coverage for each treatment session will vary based on your specific UnitedHealthcare Medicare plan.
Each UnitedHealthcare plan comes with its own summary and benefits document. The Summary and Benefits document shows the coverage for each service type, usually in a line-by-line format. This makes it easy for you to find out how much therapy coverage your UnitedHealthcare Medicare plan allows—and to calculate how much therapy will cost you. When you find your Summary and Benefits document, which is generally found online through your UnitedHealthcare portal, look for the “outpatient mental health” line. There you will find the coverage rates for both in-network and out-of-network therapy visits.
You can also call the phone number on the back of your UnitedHealthcare Medicare card to learn more about your specific plan information and coverage of mental health services. You will speak with a UnitedHealthcare customer service representative who can answer your questions.
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Expect to pay a co-pay of between $10 – $60 each time you see your in-network UnitedHealthcare Medicare therapist. UnitedHealthcare Medicare provides less coverage for out-of-network therapists, so you may find your costs increase if you choose to see a therapist who is not in the UnitedHealthcare network.
The price per treatment visits using your UnitedHealthcare Medicare plan will vary based on your location, UnitedHealthcare Medicare plan, and your provider status. Because Medicare is a state-run program, your UnitedHealthcare Medicare plan will look different depending on which state you call home.
You may also be asked to obtain pre-authorization before starting to see your therapist. UnitedHealthcare may approve you for a certain number of therapy sessions that they will cover, then the rest may be up to you to pay out of pocket.
UnitedHealthcare prioritizes the mental health of its members and wants therapy to be available to all. To this point, UnitedHealthcare Medicare health insurance plans provide coverage for a wide range of mental disorders. These conditions include:
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When you start therapy, your therapist will assign a diagnosis for your condition, situation, or goal. They share this diagnosis with UnitedHealthcare as a way to account for coverage. If you prefer that your therapist not disclose your diagnosis to UnitedHealthcare, consider your out-of-network options. This way, your mental health care remains between you and your therapist—not the insurance company and anyone with access to your insurance account information.
It is important and crucial to UnitedHealthcare that all mental health care is based on evidence, clinical rigor and the given diagnosis. This is a way to ensure appropriate care and compensation for each of its members. They provide coverage for all therapy modalities proven to achieve healthy and desired outcomes, including:
Often therapists use mixed methods as they individualize treatment for each client. As long as the therapist is professionally licensed and provides appropriate therapeutic services, UnitedHealthcare covers therapy sessions.
If a therapy approach is not evidence-based—that is, it lacks empirical research supporting its effectiveness—UnitedHealthcare Medicare will not cover therapy costs.
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This includes life coaching and career coaching, as these disciplines are based less on mental health diagnosis and more on goal setting and achievement. UnitedHealthcare Medicare does not cover holistic approaches to treatment such as aromatherapy, massage therapy, or nutritional therapy. They also do not cover ketamine and psychedelic treatments, even if the purpose of this treatment is for a mental disorder. UnitedHealthcare Medicare does not cover energy work such as reiki healing.
Yes, UnitedHealthcare Medicare provides coverage for online therapy and telehealth. You will find that your coverage remains the same for all visit types, both in person and online. This means that you will have the same co-payments and coinsurance rates if you see your therapist through a virtual platform as if you saw them in their office.
Seeing a therapist online is a great way to add therapy to a busy or limited schedule. It also makes it easier to access, as you can talk to your therapist from your own home. UnitedHealthcare Medicare recognizes these benefits and therefore offers its members the use of teletherapy services.
No, UnitedHealthcare Medicare does not provide coverage for couples therapy. Most health insurance does not offer this as a benefit. This is partly because it is difficult for the therapist to bill for reimbursement under the required mental condition diagnosis.
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If you’re still interested in couples therapy, there are many ways to make it more affordable. This opens the door for you and your partner or partners to work with a high-quality couples therapist and develop your relationships.
You may need to see your primary care physician before starting treatment, depending on your UnitedHealthcare Medicare plan. UnitedHealthcare Medicare treatment requirements vary based on your condition and the exact details of your plan, so
