UnitedHealthcare Medigap Plan A Arizona Medicare Supplement Insurance

UnitedHealthcare Medigap Plan A Medicare supplement insurance for Arizona seniors on Medicare.UnitedHealthcare Medigap Plan A for Arizona is the most basic of all Medicare Supplements. Plan A covers some of the gaps in Original Medicare. It's easy to confuse Plan A with Medicare Part A, which pays for the bulk of your inpatient hospital care. This is optional health insurance that supplements a few of the gaps in your Medicare coverage.

The UnitedHealthcare Medigap Plan A Medicare supplement policy covers:

Costs Associated with UnitedHealthcare Medigap Plan A

UnitedHealthcare Medigap Plan A offers the least benefits. Beneficiaries are responsible for covering the Part A deductible in full, which includes hospitalization costs, Skilled Nursing Facility (SNF) care, hospice care, and some home health care services. This plan might be suitable if you have no desire to pay costly premiums for benefits you are not likely to use. However, be aware that this plan has the potential for higher out-of-pocket costs should you require inpatient hospital care.

Most Medicare Supplement plans cover some or all of the Part A deductible. UnitedHealthcare Medigap Plan A may be less expensive when compared to other plan types, but the other plan types offer more coverage. Take this into consideration when choosing a plan, and how the risk of additional co-payment or coinsurance expenses can affect your finances.

Inpatient Coverage

The chart below explains how this plan covers the portions of Medicare Part A (hospital insurance) that are not paid by Medicare.

BenefitCoverage
Inpatient Care:
  • First 60 Days:
    • Medicare pays: All but $1,216
    • Medigap Pays: $0
    • You Pay: $1,216 (Part A Deductible)
  • Days 61-90:
    • Medicare pays: All but $304 a day
    • Medigap Pays: $304 a day
    • You Pay: $0
  • Days 90 and later while using 60 lifetime reserve days:
    • Medicare pays: All but $608 a day
    • Medigap Pays: $608 a day
    • You Pay: $0
  • After lifetime reserve is met, an additional 365 days:
    • Medicare pays: $0
    • Medigap Pays: 100% of Medicare eligible expenses
    • You Pay: $0
  • Beyond the additional 365 days:
    • Medicare pays: $0
    • Medigap Pays: $0
    • You Pay: All costs
Skilled Nursing:
  • First 20 Days:
    • Medicare pays: All approved amounts
    • Medigap Pays: $0
    • You Pay: $0
  • Days 21-100:
    • Medicare pays: All but $152 a day
    • Medigap Pays: $0
    • You Pay: Up to $152 a day
  • Days 101 and later
    • Medicare pays: $0
    • Medigap Pays: $0
    • You Pay: All costs
Blood:
  • First 3 Pints:
    • Medicare pays: $0
    • Medigap Pays: Three Pints
    • You Pay: $0
  • Additional Amounts:
    • Medicare pays: 100
    • Medigap Pays: $0
    • You Pay: $0
Hospice:
  • Medicare pays: All but very limited copayment/coinsurance for outpatient drugs and inpatient respite care Plan Pays: Medicare Cost Sharing.
  • Medigap Pays: Medicare Cost Sharing
  • You Pay: $0

Outpatient Coverage

The following table details how the plan covers the portions of Medicare Part B (medical insurance) that are not paid by Medicare.

BenefitCoverage
Medical Expenses:
  • First $147 of Medicare-Approved Amounts
    • Medicare pays: $0
    • Medigap Pays: $0
    • You Pay: $147 (Part B Deductible)
  • Remainder of Medicare-Approved Amounts:
    • Medicare pays: 80%
    • Medigap Pays: 20%
    • You Pay: $0
Excess Medical:
  • Medicare pays: $0
  • Medigap Pays: $0
  • You Pay: All costs
Home Health:
  • Medically necessary skilled care services and medical supplies:
    • Medicare pays: 100%
    • Medigap Pays: $0
    • You Pay: $0
  • First $147 of Medicare-Approved Amounts:
    • Medicare pays: $0
    • Medigap Pays: $0
    • You Pay: $147 (Part B Deductible)
  • Remainder of Medicare-Approved Amounts:
    • Medicare pays: $0
    • Medigap Pays: 20%
    • You Pay: $0
Lab Services:
  • Medicare pays: All costs
  • Medigap Pays: $0
  • You Pay: $0
Blood:
  • First 3 Pints:
    • Medicare pays: $0
    • Medigap Pays: All Costs
    • You Pay: $0
  • Next $147 of Medicare Approved Amounts:
    • Medicare pays: $0
    • Medigap Pays: $0
    • You Pay: $147 (Part B Deductible)
  • Remainder of Medicare-Approved Amounts:
    • Medicare pays: 80%
    • Medigap Pays: 20%
    • You Pay: $0

Foreign Travel Coverage

Medicare does not pay for your healthcare (including emergencies) when you travel outside of the United States of America and its territories. If you travel, be sure to enroll in a plan that will cover you.

BenefitCoverage
Foreign Travel Emergency:
  • Medicare pays: $0
  • Medigap Pays: $0
  • You Pay: All costs

Prescription Drug Coverage

The 10 standardized Medigap Plans do not cover prescriptions. That includes UnitedHealthcare Medigap Plan A. Add a Medicare Part D Plan (PDP) for prescription coverage. Here are a few plans available to you in Arizona:

AARP HealthCare Options Insurance Rating

AARP HealthCare Options has an "A" rating from A.M. Best Company, the #1 source for insurance industry rating information. If this was a star rating it would be 4.5 out of 5 stars (Excellent).

Eligibility

UnitedHealthcare Medigap Plan A is available to all Arizona Medicare beneficiaries, ages 65 and older, that are enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down. Plus, this insurance policy cannot be canceled. It will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.

Availability

UnitedHealthcare Medigap Plan A Medicare supplement insurance is available in Scottsdale, Phoenix, Peoria, Surprise, Mesa, Tucson, Tempe, Yuma, Avondale, Buckeye, Chandler, Goodyear, Gilbert, Lake Havasu City, Flagstaff, Bullhead City and all other Arizona cities.

File Date: December 1, 2013.