- 95% of all individual Medicare Advantage members will see
improved benefits in 2023
- Simplified comprehensive dental benefit offers broader coverage
and lower costs
- New plan features address social determinants of health,
whole-person health
- National UnitedHealthcare UCard™ rollout will simplify the
member experience
UnitedHealthcare® today introduced its 2023 Medicare Advantage
and prescription drug plans, offering expanded access to
consumer-focused plans that deliver a differentiated member
experience underscored by better-than-ever ancillary benefits,
lower prescription drug costs, and further improvements to core
benefits.
“With financial pressures especially impacting older adults
living on fixed incomes, we are committed to improving the benefits
we offer and driving industry-leading innovations that make them
easier to use for the people we serve,” said Tim Noel, CEO of
UnitedHealthcare Medicare & Retirement. “These investments and
innovations will make a meaningful impact on the experience and
value we provide to our members – in ways only UnitedHealthcare
Medicare Advantage can.”
More than 8.2 million peoplei are currently enrolled in
UnitedHealthcare Medicare Advantage plans, and more than a third of
all Medicare Advantage enrollment growth over the past five years,
including 2022, has been through UnitedHealthcare.ii
In 2023, the company will expand its service area to reach 95%
of Medicare consumers nationwide and maintain the industry’s
largest Medicare Advantage footprint – including nearly 2.3 million
more people in 314 additional counties with access to a standardiii
Medicare Advantage plan and 145,000 more people eligible for a Dual
Special Needs Plan (D-SNP).
Highlights of UnitedHealthcare’s 2023 individual Medicare
Advantage plans include:
New Plan Features Bring Cost Savings, Support Whole-Person
Health
- D-SNP Utilities Credit: The
combined over-the-counter (OTC) and healthy food benefit offered in
2022 on nearly all D-SNPs gave members three times more credit than
the 2021 healthy food credit. In 2023, with food and utility prices
rising higher than the average inflation rateiv, home utilities
will be added to the benefit with an average annual credit of more
than $2,200. This means Dual members can also choose to spend their
monthly credit on expenses like home heat, electricity, water,
sewer and home internet.
- D-SNP Home Support: With consumer
research identifying home care services as a top desired benefit by
Dual eligibles, UnitedHealthcare will offer a new home support
services benefit on select D-SNPs. Members can use a $150-$225
quarterly credit toward support services including pest control,
companion care, light cleaning, home modifications, yard
maintenance and more.
- Flex Benefit: A new flex benefit
on select plans can be used to extend existing dental, vision and
hearing benefits after using these benefits. This annual benefit
ranging from $150-$750 can be used to pay for Medicare-approved
items and services like hearing aid copays, prescription
sunglasses, out-of-network dental charges and more.
Value-Added Investments Across Core and Ancillary Benefits,
Popular Plan Features
- Benefit Stability: 99% of members
in standard and Chronic Special Needs Plans (C-SNPs) will have
stable or reduced premiums – including nearly 3.3 million members
with a $0 premium – and all will have stable or improved core and
prescription drug benefits. Additionally, all Medicare Advantage
members will see stable ancillary benefits, with 91% receiving
better-than-ever ancillary benefits like dental, hearing, OTC and
prescription drug coverage.
- $0 Copays: 97% of members are
enrolled in a standard plan or C-SNP with a $0 PCP copay, up from
83% in 2022 and higher than the rest of the industry, and nearly
all eligibles will have access to a plan with a $0 PCP copay. Many
members will also see decreased copays on specialist visits and
physical, occupational and speech therapies – and $0 copays when
the visit is virtual.
- Dental: The company will offer its
richest enhanced comprehensive dental benefit ever, with one
simplified coverage level available to 96% of people in standard
plans, covering all non-cosmetic dental care including dentures and
implants, and no out-of-pocket costs up to the annual coverage
limit on most plans. Members will have access to the largest
national Medicare Advantage dental network, and all plans with the
enhanced comprehensive dental benefit will allow members to see
out-of-network dentists to receive the coverage they need.
- OTC, Healthy Food and Utilities
Credit: D-SNP members with this combined benefit will see an
average increase of 42%, amounting to an average allowance of more
than $2,200, with some members having up to $3,600 per year to
spend across covered OTC products and healthy foods between
shopping trips or online delivery orders, plus eligible utilities
expenses.
- Vision and Hearing: All plans with
vision coverage will maintain a $0 routine annual eye exam, and
most will have an eyewear allowance. Standard lenses are covered at
no cost and more than 92% of members will have an annual benefit,
up from 59% in 2022. Additionally, the majority of plans will offer
a $0 hearing exam and all members will have a hearing aid benefit,
typically annual, and access to custom-programmed hearing aids
through UnitedHealthcare Hearing, including retail and
home-delivery options.
Prescription Drug Plan Designs Drive Down Consumer
Costs
- $0 Copays and Deductibles: More
plans than ever will lower tier 1 retail copays to $0, giving
nearly all members in standard plans and C-SNPs free access to the
most common adherence medications. And 100% of members will have $0
tier 1 and 2 copays through Optum Home Delivery, up from 93% in
2022. Additionally, 87% of members will have no Rx deductibles, up
from 59% in 2022.
- Formulary Investments: The
company’s Medicare Advantage formulary will have more drugs in tier
1 than ever before and move even more commonly used drugs to lower
tiers, which target conditions such as cardiovascular disease,
depression, osteoarthritis, glaucoma, and overactive bladder, among
others. Additionally, several drugs used before or after dental
procedures have moved to tier 1, helping to eliminate out-of-pocket
costs for these drugs on most plans.
- Chronic Condition Support: All
members without Extra Help enrolled in C-SNPs will have access to
insulin at $25 ($10 less than standard plans) in addition to
diabetic supplies on tier 2, giving access to $0 copays for
supplies when using home delivery. C-SNP members will also have
access to eight medications on a lower drug tier that target
cardiovascular disease.
- Part D Coverage Gap: All standard
plans will continue to provide tier 1 gap coverage, eliminating
increased costs during the coverage gap and helping to ensure cost
is not a barrier for members to stay adherent with their
medications.
- $0 Drug Copays on Dual Special Needs
Plans (D-SNP): UnitedHealthcare will continue to expand
access to $0 copays on covered drugs to 96% of our members enrolled
in D-SNPs – bringing needed savings to more Dual members than any
other carrier.
Distinctive Offerings Support a Superior Member
Experience
- UCard: A national rollout to more
than 6.4 million individual Medicare Advantage members brings
together the member ID with enhanced payment technology to create a
single, integrated card that not only provides access to health
care, but also allows members to shop with their benefits, spend
earned rewards and more. Key features include:
- Members with an OTC, or OTC, healthy food, and utilities
combined benefit can spend the credit on their UCard on thousands
of covered items at more than 35,000 retail locations nationwide –
a first for most members in standard plans and C-SNPs.
- All members with a UCard and Renew Active® fitness benefit can
use the UCard to access their free gym membership on their first
visit to any of the 22,000+ Renew Active network gyms and fitness
locations – the largest national Medicare fitness network.
- Earned rewards are loaded onto a member’s UCard after they
complete eligible activities like getting a flu shot or a
mammogram, having a UnitedHealthcare HouseCalls visit, or achieving
monthly activity goals.
- The UCard Hub on the UnitedHealthcare member website and mobile
app will give members real-time access to available balances, a
store locator and more, with additional support from customer
service as needed.
- Medicare National Network: The
largest national Medicare Advantage networkv will be available
across even more plans in 2023, reaching nearly 96% of people in
UnitedHealthcare’s coverage area and more than 3.1 million current
enrollees. Members pay network costs when they see any of the more
than 1 million network care providers, whether in their
neighborhood or away from home.
- High-Touch Member Support: Whether
in person or on the phone, and from routine to complex needs,
UnitedHealthcare offers tailored support to members through
programs including:
- HouseCalls: This yearly, in-home health and wellness
clinical service is a checkup at no cost. During the visit, a
licensed physician or advanced practice clinician will review an
individual’s medical history, answer questions, perform a physical
exam and offer a health screening. These visits also provide an
opportunity to assess the social, emotional and environmental needs
of a member that usually cannot be assessed in a clinic
setting.
- UnitedHealthcare At Home: Select markets offer this
personalized clinical program designed to improve access to care,
support member education and coordinate care across providers to
ultimately improve health outcomes through touch points including
in-home visits and telephonic support.
- Navigate4MeTM: For D-SNP members, our navigators provide
one-on-one support for needs ranging from clinical support, social
determinants of health, care coordination and more.
More Coverage Choices to Meet Diverse Needs
As the only company to offer Medicare plans with the AARP name,
and the nation’s largest Medicare Advantage, D-SNP and Medicare
Supplement carrier, UnitedHealthcare serves nearly 1 in 5 people in
the Medicare program through its portfolio of plansvi.
UnitedHealthcare serves approximately 4.4 million people through
its Medicare Supplement plans and approximately 4 million people
through its stand-alone and group Part D prescription drug
plans.
People can make changes to their Medicare coverage during
Medicare Annual Enrollment, which runs from Oct. 15 to Dec. 7.
For more information on UnitedHealthcare’s Medicare plans, visit
UHCMedicareHealthPlans.com.
About UnitedHealthcare
UnitedHealthcare is dedicated to helping people live healthier
lives and making the health system work better for everyone by
simplifying the health care experience, meeting consumer health and
wellness needs, and sustaining trusted relationships with care
providers. In the United States, UnitedHealthcare offers the full
spectrum of health benefit programs for individuals, employers, and
Medicare and Medicaid beneficiaries, and contracts directly with
more than 1.5 million physicians and care professionals, and 7,000
hospitals and other care facilities nationwide. The company also
provides health benefits and delivers care to people through owned
and operated health care facilities in South America.
UnitedHealthcare is one of the businesses of UnitedHealth Group
(NYSE: UNH), a diversified health care company. For more
information, visit UnitedHealthcare at www.uhc.com or follow @UHC
on Twitter.
Y0066_220920_085333_M
Plans are insured or covered by a Medicare Advantage
organization with a Medicare contract and/or a Medicare-approved
Part D sponsor. Enrollment in the plan depends on the plan’s
contract renewal with Medicare. For Dual Special Needs Plans: A
Medicare Advantage organization with a Medicare contract and a
contract with the State Medicaid Program.
Benefits and features, and/or devices vary by plan/area.
Limitations and exclusions apply.
Flex benefit allowance expires at the end of the plan year. Flex
benefit allowance must be used at dental, vision or hearing
providers that accept Visa.
Food, OTC and utility benefits have expiration timeframes. Call
your plan or review your Evidence of Coverage (EOC) for more
information.
If your plan offers out-of-network dental coverage and you see
an out-of-network dentist, you might be billed more. Network size
varies by local market. Out-of-network/non-contracted providers are
under no obligation to treat plan members, except in emergency
situations. Please call our customer service number or see your
Evidence of Coverage for more information, including the
cost-sharing that applies to out-of-network services.
$0 copay may be restricted to particular tiers, preferred
medications, or home delivery prescriptions during the initial
coverage phase and may not apply during the coverage gap or
catastrophic stage.
Virtual visits may require a video-enabled smartphone or other
device. Not for use in emergencies.
Vision benefits vary by plan and are not available with all
plans. Limitations and exclusions apply. Additional charges may
apply for out-of-network items and services. Annual routine eye
exam and $100-600 allowance for contacts or designer frames, with
standard (single, bi-focal, tri-focal or standard progressive)
lenses covered in full either annually or every two years.
Other hearing exam providers are available in the
UnitedHealthcare network. The plan only covers hearing aids from a
UnitedHealthcare Hearing network provider.
UnitedHealthcare Insurance Company pays royalty fees to AARP for
the use of its intellectual property. These fees are used for the
general purposes of AARP. AARP and its affiliates are not insurers.
You do not need to be an AARP member to enroll in a Medicare
Advantage or Prescription Drug Plan. AARP encourages you to
consider your needs when selecting products and does not make
specific product recommendations for individuals.
Participation in the Renew Active® program is voluntary. Consult
your doctor prior to beginning an exercise program or making
changes to your lifestyle or health care routine. Renew Active
includes standard fitness membership. Fitness membership equipment,
classes, personalized fitness plans, caregiver access and events
may vary by location. Access to Medicare’s largest national gym
network is based upon comparison of competitors’ website data as of
May 2022. Gym network may vary in local market.
HouseCalls may not be available in all areas.
Provider network may vary in local market. Network sizes vary by
market and exclusions may apply.
______________________________ iCMS enrollment data, August
2022. Enrollment across all plans. iiCMS Enrollment Data, Dec. 2018
- Aug. 2022. iiiRefers to UnitedHealthcare’s standard Medicare
Advantage plans (i.e., non-special needs plans). ivConsumer Price
Index – Bureau of Labor Statistics. Consumer Price Index Summary -
2022 M08 Results (bls.gov); Latest Numbers : U.S. Bureau of Labor
Statistics (bls.gov) vNetwork size varies by plan and by market and
exclusions may apply. viCMS enrollment data, August 2022.
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Jessica Kostner UnitedHealthcare jessica_kostner@uhc.com
952-931-4951
UnitedHealth (NYSE:UNH)
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