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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)

LOOKING FOR MORE INFO?   CLICK TO REGISTER FOR OUR “HOW TO CHOOSE A MEDICARE PLAN” WEBINAR

AARP Medicare Complete is a general name given to a number of different United Health Care Medicare Advantage plans with the AARP logo.   United Healthcare also offers a number of different Medicare Complete plans without the AARP logo.

United has an AARP Medicare Complete branded product in most states.  In some states they have multiple plans.  The AARP branded Medicare Complete plans come in three types: HMO, POS and PPO.  The plans all have the same basic copay structure and more or less operate in the same manner with the only real difference being that the POS and PPO plans have out of network coverage.

Do you have other questions or do you want to see more detail on these plans?  I have a number of blogs on this topic or you may contact the office for more information.

AARP Medicare Complete is a general name given to a number of different United Health Care Medicare Advantage plans with the AARP logo.   United Healthcare also offers a number of different Medicare Complete plans without the AARP logo.

United has an AARP Medicare Complete branded product in most states.  In some states they have multiple plans.  The AARP branded Medicare Complete plans come in three types: HMO, POS and PPO.  The plans all have the same basic copay structure and more or less operate in the same manner with the only real difference being that the POS and PPO plans have out of network coverage.

Do you have other questions or do you want to see more detail on these plans?  I have a number of blogs on this topic or you may contact the office for more information.

United Healthcare offers multiple types of Medicare Advantage plans throughout the US.  Some of these plans are under the United Healthcare name while other are under the United name with AARP branding.

The AARP name is usually added to the United RPPO Medicare advantage plan.  This plan is an in and out of network plan.  If you stay in network (use United doctors and hospitals) there is a copay schedule.  If you see a non participating doctor or hospital, you will pay a cost share such as 30%.  This plan offers  a bit more flexibility than an HMO plan does as the HMO does not allow you to go out of network. Read more

This post is for a review of the United Healthcare Medicare Complete and the AARP Medicare Complete plans for 2013.  If you want 2012 information CLICK HERE

United Healthcare will be making some minor changes for the better to the 2013 Medicare Complete plan line which includes United Healthcare Medicare Complete and AARP Medicare Complete products.  All products listed are Medicare Advantage plans.  Look at seperate postings for information on AARP Medicare Supplement plans.

The United Healthcare Medicare Complete product is very similar to the AARP branded version but most versions do not have out of network coverage as they are usually HMO plans.  The in network benefits tend to be a little better than the AARP branded in network benefits as a result.  for 2013 the United Healthcare branded products will look similar to the 2012 version with a few improvements such as a lower annual out of pocket max, a outpatient surgery benefit that offer more than 80% coverage and  a lower primary doctor copay.  The improvement to the outpatient surgery benefit is the most needed change overall and this will reduce costs for many members.

The AARP Branded Medicare Complete plan took on a $20 monthly premium in 2012 and it looks like that will stay for 2013 as well.  The outpatient surgery benefit and out of pocket max on this plan will also be improved over last years version.   The AARP branded plan is on a PPO platform in most states and offers out of network coverage as a result.  Last years version only provided for 70% coverage out of network.  It is not yet known if this will be improved for 2013 or not.

The drug coverage in both versions will be mainly the same for 2013 with some very small ($2 or $3) increases in the name brand tiers of the drug coverage.  While the United and AARP Medicare Complete plans did not compare well to competitors in 2012, it should be in a much more competitive position for 2013.

WANT TO LEARN MORE? REGISTER FOR OUR “HOW TO CHOOSE A MEDICARE PLAN” WEBINAR – CLICK TO REGISTER

The United Medicare Complete Benefits have been released for 2013 for CT and NY.  A summary of the plans by county is attached.  This is an abreviated summary only.  Once the full summary is available, it will be updated on this post.  Click below for the 2013 plans by county.

United plans NY 2013 full state

United healthcare CT 2013