Medicare Complete Insured Through United Healthcare offers PPO and HMO plans
You may be familiar with AARP MedicareComplete, but did you know that they offer both PPO and HMO Medicare Advantage plans depending on your service area? The AARP MedicareComplete provider network may be a HMO or PPO. Learn the difference before you enroll.
MedicareComplete by is underwritten by United Healthcare. They offer several plans depending on your County of residence. Keep in mind that a Advantage Plan is not Medicare Supplement insurance, but rather another way to receive your Medicare benefits.
Following is a brief description of the differences in plan types and other types of plans available.
Which AARP MedicareComplete provider network is better – PPO or HMO?
There is plenty of debate as to whether a PPO or HMO is a better option. If you have an interest in a MedicareComplete Plan, this may be a mute point. You may have the option of enrolling in one or the other. But to be fair here are a few differences.
MedicareComplete PPO Advantage Plan Pros
Often the AARP MedicareComplete provider network is set up as a PPO. This plan offers plenty of flexibility. You are able to choose any provider, but will generally have lower out-of-pocket costs if you choose an in-network provider. In most areas, you are likely to find your primary care physician in-network. Specialists may vary from region to region and from one specialty to the next. This is not a huge problem, as out-of-network co-pays are not that much more than an in-network co-pay.
MedicareComplete HMO Advantage Plan Pros
A Medicare HMO plan will generally offer lower co-pays for providers. In addition, you may find more ancillary benefits and the ability to pay a small premium and add a decent dental plan. Be sure to ask about dentists who participate in the network, as this may be spotty. The United Healthcare Passport Program will allow you to receive your benefits in several other States, even though you are enrolled in a HMO.
Plan benefits can vary from a PPO or HMO so it’s best to compare plans side by side. I recommend my readers compare plans through eHealthInsurance, a leading provider of Medicare plan choices. If you would prefer to speak with a licensed insurance agent you can call toll-free at 888 310-0376.
Other Medicare Advantage plan types
Private fee-for-service (PFFS) plans have become less popular in the last few years but some companies still make them available. Private-fee-for-service plans do not utilize networks but rather allow you to visit any Medicare approved provider that accepts the plan’s payment terms and conditions. MedicareComplete is not a PFFS. You will choose an AARP Medicare network provider from either a HMO or PPO.
One point of caution with a PFFS Plan; the provider can accept the plan’s payment terms and conditions on a visit-by-visit basis.
If you can live with the uncertainty of not having a provider network, you may still find some value in this type of plan. For instance, if you prefer to receive service in another service area than where you live, you may find a PFFS plan will give you the flexibility to receive care out of you service area.
United Healthcare has eliminated most of the MedicareDirect PFFS plans that they once offered.
United Healthcare has more members than any other insurance company contracted to offer Medicare Advantage plans. MedicareComplete is their most popular plan. If you have a plan available you should check it out.