AARP Medicare Complete is a United Healthcare MAPD plan “Medicare Advantage with Prescription Drugs”. United offers 4 different versions of Medicare Complete in the state of Connecticut. They have 2 HMO (in network only) plans a PPO plan (That is the AARP branded plan) and a POS plan. (only in New Haven county) A link to a plan comparison of the plans is provided below.
United HealthCare Medicare Complete HMO Plan 2- This is a $0 monthly premium plan with in network coverage only. United has a substantial network in CT but you must use participating providers on this plan unless it is an emergency. There are no referrals required to see specialists. The benefits of this option have lower copays and will result in less out of pocket compared to the AARP Medicare complete PPO plan. If your doctors are in network, this plan will probably be a better value than the PPO.
United HealthCare Medicare Complete HMO Plan 1- This plan is $99 dollars a month. It is essentially the same as the HMO plan 2 but has slightly lower copays. If you do the math on this plan, you will conclude that it is not a good value compared to the plan 2. It is very difficult to get your $99 a month worth out of this plan because the copays are only slightly lower.
AARP Medicare Complete Regional PPO- The regional PPO is a United Healthcare plans that has the AARP branding. This plan has in network benefits that are similar to the HMO 2 but it has slightly higher copays, offers out of network coverage and costs $24.00 a month. The main reason someone would select this plan instead of the HMO 2 is to have the out of network coverage. This plan will still provide coverage when you visit non participating providers. This plan should not be confused with the AARP Medicare Supplement plans. For more info on Medicare Supplement plans CLICK HERE
Please feel free to call our office at 203-796-5403 in the event you need more detail or would like to discuss other plans. You may also email me at Edward@Croweandassociates.com
United HealthCare Med Complete Plan 1 and 2 Comparison (This summary has both CT and MA plan comparisons)
United AARP Med Complete RPPO Summary (Connecticut only)