United Healthcare offers Medicare Special Needs Plans. Formerly these plans were branded as Evercare Medicare plans. Special Needs Plans are now branded as Care Improvement Plus and are just one aspect of an overall branding initiative.
United Healthcare also offers AARP MedicareComplete Insured Through United Healthcare, formerly branded as a Secure Horizons Medicare plan.
While AARP MedicareComplete is suited to the vast majority of Medicare beneficiaries that may consider an Advantage plan, Care Improvement Plus is specifically designed for segments of the population that are designated as having special needs. To be considered as a member of a Special Needs Plan you must meet certain criteria outlined by the plan.
Types of Care Improvement Plus Advantage plans
Care Improvement Plus includes the following types of Medicare Advantage plans:
Health plans for people with limited incomes.
If you are enrolled in Medicare and qualify for Medicaid benefits through your State, you are considered to be dual-eligible and may benefit from this plan.
Check to determine if you qualify for full Medicaid benefits, as this can affect the benefit level of the plan for people with limited incomes. One benefit of this plan is the wellness services that are often included. Some benefits go beyond what would be available for people with both Medicare and Medicaid.
Health plans for people with specific long term illnesses.
Some Care Improvement Plus plans are designed to serve the needs of people with specific long-term illness including, cardiovascular disorders (like coronary artery disease), chronic heart failure and diabetes.
Plans for specific long-term illnesses offer additional benefits beyond original Medicare and give the beneficiary fixed co-pays for many services. The plan focuses on preventative care and regular visits to the doctor so changing conditions can be monitored and managed appropriately.
Health plans for people in nursing homes.
Special Needs Plans are available for those Medicare beneficiaries that are confined to a nursing home. Care Improvement Plus supplements nursing facility services by including more covered benefits and a Nurse Practitioner for no extra monthly premium. This plan gives nursing home residents personal individualized care with a higher level of coordinated case management.
Choosing the right plan
United Healthcare offers Special Needs Medicare Advantage plans that provide full Medicare health care coverage, prescription drugs, plus additional benefits and services for those Medicare beneficiaries that meet the plans qualifications.
If you meet one of the qualifications for enrollment into one of these plans, it would be in your best interest to explore your options. Many people who qualify for a Special Needs Medicare Advantage plan are unaware of their options and choose a plan that would be better suited to someone who didn’t have the special needs. If you would like to see what Special Needs Plans are available in your area visit the ehealthInsurance website or call 888 310-0376 to speak with a licensed agent.
If for instance, you qualify for a plan because of a limited income, and you choose MedicareComplete you may not be maximizing your benefits and may actually have higher out-of-pocket costs.
It’s important to discuss your situation with an agent that can point you in the right direction so you can get the best Advantage plan for your situation.