Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
UnitedHealthcare is the largest provider of Medicare Advantage plans  and offers plans in nearly three-quarters of counties in the United States. UnitedHealthcare also partners with AARP, insuring the Medicare products that carry the AARP name.
Three-quarters of UnitedHealthcare members are in highly rated plans, and UnitedHealthcare gets high marks overall. But the provider ranks sixth out of the nine largest Medicare Advantage providers in a recent member satisfaction survey.
Here’s what you should know about UnitedHealthcare Medicare Advantage.
UnitedHealthcare Medicare Advantage pros and cons
UnitedHealthcare’s offerings have advantages and disadvantages:
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 56 contracts rated 4 stars or higher by the Centers for Medicare and Medicaid Services, and none of its plans scored below 3.5 stars.
Home benefits: UnitedHealthcare offers $0 copay telehealth visits, as well as annual home health visits for members who need a house call.
Strong advocate network: UnitedHealthcare offers members the chance to work with expert advocates if they have care questions, as well as care coordinators if they’re dealing with complex health issues.
Member satisfaction ratings: Despite being a behemoth in the industry, UnitedHealthcare's member satisfaction scores in J.D. Power’s recent 2021 Medicare Advantage Study were tied for sixth place out of nine providers.
Special Needs Plans can get pricey: While there are plenty of $0-premium plans available, UnitedHealthcare also offers the highest-priced Special Needs Plans, or SNPs, in 2022, so it’s worth keeping an eye on the cost for plans that fit your needs.
» MORE: Best Medicare Advantage plans
Available 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:
Available Part D prescription drug plans
While many of UnitedHealthcare’s Medicare Advantage plans include Part D drug coverage, the company also sells stand-alone Part D prescription drug plans. These plans are meant to accompany Medicare Part A and Part B and do not provide medical coverage.
UnitedHealthcare offers standalone prescription drug plans, or PDPs, in all 50 states, plus Washington, D.C., and a number of U.S. territories: American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.
UnitedHealthcare offers drug coverage through three AARP MedicareRx plans:
AARP MedicareRx Walgreens: Average monthly premium of $28.57; annual prescription drug deductible of $310. According to UnitedHealthcare, this plan is a good for those who are “looking for a low premium and can fill your prescriptions at one of more than 9,000 Walgreens and Duane Reade locations.”
AARP MedicareRx Saver Plus: Average monthly premium of $39.38; annual prescription drug deductible of $480. According to UnitedHealthcare, this plan is a good for those who “don't take many prescription drugs and are looking for low premiums and copays, and a broad pharmacy network.”
AARP MedicareRx Preferred: Average monthly premium of $95.62; annual prescription drug deductible of $0 in the 50 U.S. states and Washington, D.C. In U.S. territories, the annual prescription drug deductible is $480. According to UnitedHealthcare, this plan is a good for those who are “looking for a plan with robust drug coverage and a broad pharmacy network.”
UnitedHealthcare Medicare Advantage offers most MA members access to dental care (and the largest Medicare Advantage dental network), eye exams and discounted hearing aids. Many of its plans offer other benefits as well. 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, flu shot, preventive screenings, or by being active and tracking steps.
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.
Member advocates: Members with questions about their health and health plan can be matched with expert advocates through UHC’s Advocate4Me program. These advocates can help guide members to help them make informed choices.
Care coordinators for complex problems: People facing complex health issues can be paired with a single point of contact to help them coordinate care, manage claims and get support with other needs through UHC’s Navigate4Me program.
Telehealth: Nearly all plans offer $0 copays for telehealth visits.
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.
UnitedHealthcare service area
UnitedHealthcare offers Medicare Advantage plans and Medicare prescription drug plans in all 50 states and Washington, D.C. Altogether, UnitedHealthcare offers plans in 2,377 counties, or 74% of counties in the U.S. — the second-highest number among providers (Humana tops the list) . Ninety-four percent of Medicare beneficiaries have the option of a UnitedHealthcare plan .
Overall, UnitedHealthcare is the largest health insurer in the country . More than 7.3 million Medicare beneficiaries are enrolled in a UnitedHealthcare Medicare Advantage plan, and the company added 827,000 new members for the 2021 plan year .
Costs for Medicare Advantage plans will depend on your plan, your geographic location and your health needs. One of the costs to consider is the plan’s premium, and UnitedHealthcare estimates that 3 million of its Medicare Advantage members will have $0 premiums in 2022. In total, about 60% of UnitedHealthcare’s Medicare Advantage plans are $0-premium plans .
For 2022 UnitedHealthcare Medicare Advantage plans with a premium, the monthly consolidated premium (including Part C and Part D) ranges from $9 to $199. For special needs plans, or SNPs, with a premium, monthly premiums range from $3.70 to $199 .
Even as a Medicare Advantage user, you’ll still be responsible for paying your Medicare Part B premium, which is at least $170.10 in 2022. (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 any 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 if 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.
Medicare star ratings
Average star rating: 4.2
The Centers for Medicare & Medicaid Services maintains its own database of star ratings on every Medicare Advantage and separate Medicare Part D 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.
Based on the most recent year of data, UnitedHealthcare’s 2022 Medicare Advantage plans (Part C) and prescription drug plans (Part D) each get an average score of 4.2 . For comparison, the average star rating for plans from all providers was 4.37 . Twelve UnitedHealthcare contracts received 5-star ratings, and another nine received 4.5 stars. No 2022 contracts received fewer than 3.5 stars. There were also 11 contracts too new or otherwise lacking enough data to be rated.
Of UnitedHealthcare members who are in Medicare Advantage contracts with a star rating, slightly more than three-quarters (76.2%) are in contracts rated 4.0 or above in 2021 .
You can find a plan’s rating with the Medicare plan finding tool.
There are a few companies that weigh in on health plans or on the strength of the company in question, and we’ve included three here:
See how Medicare Advantage competitors stack up to UnitedHealthcare.
Compare Medicare Advantage providers
Percent in a 4-star plan or higher
Average Medicare star rating (2022)
46 states and Washington, D.C.
26 states and Washington, D.C.
50 states, Washington, D.C. and Puerto Rico.
8 states and Washington, D.C.
50 states, Washington, D.C., American Samoa, Guam, the Northern Mariana Islands, Puerto Rico and the U.S. Virgin Islands.
Find the right Medicare Advantage plan
It’s important to do your research before selecting a health plan for yourself. Here are some questions to consider asking:
What are the plan’s costs? Do you understand what the plan’s premium, deductibles, copays and/or coinsurance will be? Can you afford them?
Is your doctor in network? If you have a preferred medical provider or providers, make sure they participate in the plan’s network.
Are your prescriptions covered? If you’re on medication, it’s crucial to understand how the plan covers it. What tier are your prescription drugs on, and are there any coverage rules that apply to them?
Is there dental coverage? Does the plan offer routine coverage for vision, dental and hearing needs?
Are there extras? Does the plan offer any extra benefits, such as fitness memberships, transportation benefits or meal delivery?
If you have additional questions about Medicare, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227, TTY 877-486-2048).