- Unitedhealthcare Out Of Pocket Maximum 2020
- Does Out Of Pocket Maximum Include Deductible Unitedhealthcare
Out-of-network/non- contracted providers are under no obligation to treat UnitedHealthcare plan members, except in emergency situations. Please call our customer service number or see your Evidence of Coverage for more information, including the cost- sharing that applies to out-of-network services. Annual Out-of-Pocket Maximum: The HMO plans include an annual out-of-pocket maximum. This is the maximum amount you could pay out of your own pocket. Prescription Coverage: Prescriptions will be managed by Express Scripts. UHC HMO members will receive an ID card from UHC for medical and an ID card from Express Scripts for prescription drug benefits. The Medicare Advantage out-of-pocket maximum can vary from plan to plan, although Medicare determines a yearly upper limit for the out-of-pocket maximum. For example, if you have a surgery that costs $10,000, but your out-of-pocket maximum is $3,000, you will only have to pay $3,000 or less for the surgery.
Self-only: $9,100. Self-only: $8,550. Family: $18,200. Family: $17,100. The OOPM is adjusted annually by the U.S. Department of Health and Human Services (HHS) and was released in the annual Notice of Benefit and Payment Parameters on Dec. The UnitedHealthcare Sync (PPO) has a monthly premium of $39.00 and has an in-network Maximum Out-of-Pocket limit of $5,900 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $5,900 out of pocket. This can be a extremely nice safety net. UnitedHealthcare Sync (PPO) is a Local PPO.
UnitedHealthcare Sync (PPO) H7404-004 is a 2020 Medicare Advantage Plan or Medicare Part-C plan by UnitedHealthcare available to residents in Minnesota North Dakota. This plan includes additional Medicare prescription drug (Part-D) coverage. The UnitedHealthcare Sync (PPO) has a monthly premium of $39.00 and has an in-network Maximum Out-of-Pocket limit of $5,900 (MOOP). This means that if you get sick or need a high cost procedure the co-pays are capped once you pay $5,900 out of pocket. This can be a extremely nice safety net.
UnitedHealthcare Sync (PPO) is a Local PPO. A preferred provider organization (PPO) is a Medicare plan that has created contracts with a network of 'preferred' providers for you to choose from at reduced rates. You do not need to select a primary care physician and you do not need referrals to see other providers in the network. Offering you a little more flexibility overall. You can get medical attention from a provider outside of the network but you will have to pay the difference between the out-of-network bill and the PPOs discounted rate.
UnitedHealthcare works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for UnitedHealthcare Sync (PPO) you still retain Original Medicare. But you will get additional Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from UnitedHealthcare and not Original Medicare. With Medicare Advantage Plans you are always covered for urgently needed and emergency care. Plus you receive all of the benefits of Original Medicare from UnitedHealthcare except hospice care. Original Medicare still provides you with hospice care even if you sign up for a Medicare Advantage Plan.
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2020 UnitedHealthcare Medicare Advantage Plan Details
| Name: | |
|---|---|
| ID: | H7404-004 |
| Provider: | UnitedHealthcare |
| Year: | 2020 |
| Type: | Local PPO |
| Monthly Premium C+D: | $39.00 |
| Part C Premium: | $8.60 |
| MOOP: | $5,900 |
| Part D (Drug) Premium: | $30.40 |
| Part D Supplemental Premium | $0.00 |
| Total Part D Premium: | $30.40 |
| Drug Deductible: | $295.00 |
| Tiers with No Deductible: | 1 |
| Gap Coverage: | No |
| Benchmark: | not below the regional benchmark |
| Type of Medicare Health: | Enhanced Alternative |
| Drug Benefit Type: | Enhanced |
Part-C Premium
UnitedHealthcare plan charges a $8.60 Part-C premium. The Part C premium covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.
Part-D Deductible and Premium
UnitedHealthcare Sync (PPO) has a monthly drug premium of $30.40 and a $295.00 drug deductible. This UnitedHealthcare plan offers a $30.40 Part D Basic Premium that is not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0.00 this Premium covers any enhanced plan benefits offered by UnitedHealthcare above and beyond the standard PDP benefits. This can include additional coverage in the gap, lower co-payments and coverage of non-Part D drugs. The Part D Total Premium is $30.40. The Part D Total Premium is the addition of the supplemental and basic premiums for some plans this amount can be lower due to negative basic or supplemental premiums.
Premium Assistance
Depending on your income level you may be eligible for full 75%, 50%, 25% premium assistance. The UnitedHealthcare Sync (PPO) medicare insurance offers a $0.00 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $7.60 for 75% low income subsidy $15.20 for 50% and $22.80 for 25%.
| Full LIS Premium: | $0.00 |
|---|---|
| 75% LIS Premium: | $7.60 |
| 50% LIS Premium: | $15.20 |
| 25% LIS Premium: | $22.80 |
Gap Coverage
In 2020 once you and your plan provider have spent $4020 on covered drugs. (combined amount plus your deductible) You will be in the coverage gap. (AKA 'donut hole') You will be required to pay 25% for prescription drugs unless your plan offers additional coverage. This UnitedHealthcare plan does not offer additional coverage through the gap.
UnitedHealthcare Drug Coverage and Formulary
A formulary is divided into tiers or levels of coverage based on the type or usage of your medication or benefit categories, according to drug costs. Each tier will have a defined out-of-pocket cost that you must pay before receiving the drug. You can see complete 2020 UnitedHealthcare Sync (PPO) H7404-004 Formulary here.
See the 2020 UnitedHealthcare Formulary
2019 Plan Services
(*2020 Plan services will be added when available)
Health plan deductible
| $0 |
|---|
Emergency care/Urgent care
| Emergency | $90 per visit (always covered) |
|---|---|
| Urgent care | $30-40 per visit (always covered) |
Diagnostic procedures/lab services/imaging
| Diagnostic tests and procedures | Out-of-Network | 40% |
|---|---|---|
| Diagnostic tests and procedures | In-Network | 20% |
| Lab services | Out-of-Network | $10 |
| Lab services | In-Network | $10 |
| Diagnostic radiology services (e.g., MRI) | Out-of-Network | 40% |
| Diagnostic radiology services (e.g., MRI) | In-Network | 20% |
| Outpatient x-rays | Out-of-Network | $21 |
| Outpatient x-rays | In-Network | $14 |
Hearing
| Hearing exam | Out-of-Network | 40% |
|---|---|---|
| Hearing exam | In-Network | $15 |
| Fitting/evaluation | Not covered | |
| Hearing aids - inner ear | Out-of-Network | $330-380 |
| Hearing aids - inner ear | In-Network | $380 |
| Hearing aids - outer ear | Not covered | |
| Hearing aids - over the ear | Out-of-Network | $330-380 |
| Hearing aids - over the ear | In-Network | $330 |
Preventive dental
| Oral exam | Out-of-Network | $0 copay |
|---|---|---|
| Oral exam | In-Network | $0 copay |
| Cleaning | Out-of-Network | $0 copay |
| Cleaning | In-Network | $0 copay |
| Fluoride treatment | Out-of-Network | $0 copay |
| Fluoride treatment | In-Network | $0 copay |
| Dental x-ray(s) | Out-of-Network | $0 copay |
| Dental x-ray(s) | In-Network | $0 copay |
Comprehensive dental
| Non-routine services | Not covered | |
|---|---|---|
| Diagnostic services | Out-of-Network | 0-50% |
| Diagnostic services | In-Network | 0-50% |
| Restorative services | Out-of-Network | 0-50% |
| Restorative services | In-Network | 20-50% |
| Endodontics | Out-of-Network | 0-50% |
| Endodontics | In-Network | 50% |
| Periodontics | Out-of-Network | 0-50% |
| Periodontics | In-Network | 50% |
| Extractions | Out-of-Network | 0-50% |
| Extractions | In-Network | 50% |
| Prosthodontics, other oral/maxillofacial surgery, other services | Out-of-Network | 0-50% |
| Prosthodontics, other oral/maxillofacial surgery, other services | In-Network | 0-50% |
Vision
| Routine eye exam | Out-of-Network | 40% |
|---|---|---|
| Routine eye exam | In-Network | $0 copay |
| Other | Not covered | |
| Contact lenses | Out-of-Network | 40% |
| Contact lenses | In-Network | $0 copay |
| Eyeglasses (frames and lenses) | Out-of-Network | 40% |
| Eyeglasses (frames and lenses) | In-Network | $0 copay |
| Eyeglass frames | Not covered | |
| Eyeglass lenses | Not covered | |
| Upgrades | Not covered |
Mental health services
| Inpatient hospital - psychiatric | Out-of-Network | 40% per stay |
|---|---|---|
| Inpatient hospital - psychiatric | In-Network | $400 per day for days 1 through 4 $0 per day for days 5 through 90 |
| Outpatient group therapy visit with a psychiatrist | Out-of-Network | $35-45 |
| Outpatient group therapy visit with a psychiatrist | In-Network | $30 |
| Outpatient individual therapy visit with a psychiatrist | Out-of-Network | $35-45 |
| Outpatient individual therapy visit with a psychiatrist | In-Network | $40 |
| Outpatient group therapy visit | Out-of-Network | $35-45 |
| Outpatient group therapy visit | In-Network | $30 |
| Outpatient individual therapy visit | Out-of-Network | $35-45 |
| Outpatient individual therapy visit | In-Network | $40 |
Skilled Nursing Facility
| Out-of-Network | 40% per stay |
|---|---|
| In-Network | $0 per day for days 1 through 20 $160 per day for days 21 through 57 $0 per day for days 5 |
Rehabilitation services
| Occupational therapy visit | Out-of-Network | 40% |
|---|---|---|
| Occupational therapy visit | In-Network | $40 |
| Physical therapy and speech and language therapy visit | Out-of-Network | 40% |
| Physical therapy and speech and language therapy visit | In-Network | $40 |
Ground ambulance
| Out-of-Network | $250 |
|---|---|
| In-Network | $250 |
Other health plan deductibles?
| In-Network | No |
|---|
Transportation
| Not covered |
|---|
Foot care (podiatry services)
| Foot exams and treatment | Out-of-Network | 40% |
|---|---|---|
| Foot exams and treatment | In-Network | $50 |
| Routine foot care | Out-of-Network | 40% |
| Routine foot care | In-Network | $50 |
Medical equipment/supplies
| Durable medical equipment (e.g., wheelchairs, oxygen) | Out-of-Network | 50% per item |
|---|---|---|
| Durable medical equipment (e.g., wheelchairs, oxygen) | In-Network | 20% per item |
| Prosthetics (e.g., braces, artificial limbs) | Out-of-Network | 40% per item |
| Prosthetics (e.g., braces, artificial limbs) | In-Network | 20% per item |
| Diabetes supplies | Out-of-Network | 40% per item |
| Diabetes supplies | In-Network | $0 per item |
Wellness programs (e.g., fitness, nursing hotline)
| Covered |
|---|
Medicare Part B drugs
| Chemotherapy | Out-of-Network | 40% |
|---|---|---|
| Chemotherapy | In-Network | 20% |
| Other Part B drugs | Out-of-Network | 40% |
| Other Part B drugs | In-Network | 20% |
Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)
| $10,000 In and Out-of-network $5,900 In-network |
|---|
Optional supplemental benefits
| No |
|---|
Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?
| In-Network | No |
|---|
Inpatient hospital coverage
| Out-of-Network | 40% per stay |
|---|---|
| In-Network | $400 per day for days 1 through 4 $0 per day for days 5 through 90 $0 per day for days 91 |
Outpatient hospital coverage
| Out-of-Network | 40% per visit |
|---|---|
| In-Network | $400 per visit |
Doctor visits
| Primary | Out-of-Network | 40% per visit |
|---|---|---|
| Primary | In-Network | $15 per visit |
| Specialist | Out-of-Network | 40% per visit |
| Specialist | In-Network | $50 per visit |
Preventive care
| Out-of-Network | 0-40% |
|---|---|
| In-Network | $0 copay |
Ready to Enroll?
Or Call
1-855-778-4180
Mon-Sat 8am-11pm EST
Sun 9am-6pm EST
Coverage Area for UnitedHealthcare Sync (PPO)
(Click county to compare all available Advantage plans)
| State: | Minnesota North Dakota |
|---|---|
| County: | Aitkin, Anoka, Becker, Beltrami, Benton, Blue Earth, Brown, Burleigh, Carlton, Carver, Cass, Cass, Chisago, Clay, Clearwater, Crow Wing, Dakota, Douglas, Goodhue, Grand Forks, Grant, Hennepin, Hubbard, Isanti, Itasca, Kanabec, Koochiching, Le Sueur, McLeod, Meeker, Mille Lacs, Morrison, Morton, Nicollet, Otter Tail, Pine, Polk, Ramsey, Rice, Scott, Sibley, St. Louis, Wabasha, Wadena, Washington, Winona, Wright, |
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Source: CMS.
Data as of September 4, 2019.
Star Rating as of October 10, 2019.
Plan Services are 2019 information as reference. 2020 information will be added when released.
Notes: Data are subject to change as contracts are finalized. For 2020, enhanced alternative may offer additional cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part D benefit.Includes 2020 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.
At a glance
- $0 premium plans available in some areas
- Many plans offer prescription drug coverage and vision and dental benefits
- 4.9 million people are enrolled in a UnitedHealthcare Medicare Advantage Plan1
UnitedHealthcare offers a few different types of Medicare plan options. These include Medicare Advantage plans (Medicare Part C), Medicare Prescription Drug plans (Medicare Part D), Medicare Supplement Insurance (Medigap) and Medicare Special Needs Plans.
Learn more about each type of Medicare coverage and find a UnitedHealthcare Medicare plan that’s right for you.
Medicare Plan Options
Medicare Part A and Part B (also called Original Medicare) are provided by the federal government. Some private insurance companies – like UnitedHealthcare – offer additional Medicare coverage options that can offer beneficiaries a range of benefits that may not be covered by original Medicare.
With each of these types of Medicare coverage, plan availability and costs may vary based on where you live. Speak with a licensed insurance agent who can help you compare plans that are available in your area.
UnitedHealthcare Medicare Advantage Plans (Part C)
UnitedHealthcare offers several different types of Medicare Advantage plans. These can include, but are not limited to:
- MedicareComplete (HMO)
- MedicareComplete Access (HMO)
- MedicareComplete Choice (PPO)
- MedicareComplete Focus (HMO)
- MedicareComplete Focus (PPO)
- MedicareComplete SecureHorizons (HMO)
- MedicareComplete Value (HMO)
Not all plans are available in all areas, and you can reach out to a licensed insurance agent to find out more about the plans available where you live by calling 1-855-580-18541-855-580-1854TTY Users: 711 24 hours a day, 7 days a week.
In 2018, 25 percent of all Medicare Advantage plan beneficiaries in the U.S. were enrolled in a Medicare Advantage plan from UnitedHealthcare.2
UnitedHealthcare Medicare Advantage plans combine the benefits offered by Original Medicare into one plan.
Many Medicare Advantage plans also offer additional benefits that may include coverage for prescription drugs, vision and dental care not covered by Original Medicare.
If you enroll in a UnitedHealthcare Medicare Advantage plan, you can receive a wide range of preventive services for a $0 copay when you visit your primary care provider.
Some of these covered preventive services include:
- Alcohol misuse screening and counseling
- Bone mass measurement (for those at high risk)
- Mammograms
- Cardiovascular screening
- Hepatitis B immunization and Hepatitis C screening
- Colorectal cancer screening
- Diabetes screening
- Pneumococcal shot
- Prostate-specific antigen (POSA) test
- Counseling to stop smoking
- Flu shots
These are just a few of the preventive services covered by your UnitedHealthcare Medicare Advantage plan. Plan programs and service availability can vary by plan and service area.
All UnitedHealthcare Medicare Advantage plans feature an annual maximum on your out-of-pocket costs for covered medical care and services.
UnitedHealthcare Medicare Prescription Drug Plans (Part D)
UnitedHealthcare offers several different Medicare Part D plan options, which include, but are not limited to:
- 2020 MedicareRX Walgreens (PDP)
- 2020 MedicareRx Preferred (PDP)
- 2020 MedicareRX Saver Plus (PDP)
UnitedHealthcare Medicare Part D plans provide coverage for some of your prescription medication costs. Enrolling in a Part D plan can help you save money on your out-of-pocket costs for filling prescriptions.
Every Medicare Part D plan offers slightly different coverage, including the list of drugs covered by the plan (also called a plan formulary) and their associated costs.
You could potentially save even more money with a UnitedHealthcare Medicare Part D plan if you use OptumRx® for home delivery of your prescriptions.3
With OptumRx®, you have access to pharmacists who are available by phone to answer your questions at any time, day or night. There is also no charge for standard delivery of prescriptions to any address in the U.S., including U.S. territories.
UnitedHealthcare Medicare Supplement Insurance (Medigap)
Medicare Supplement Insurance plans provide coverage for some of the out-of-pocket expenses associated with Original Medicare, such as Medicare deductibles, coinsurance, copayments and other out-of-pocket expenses.
Medicare Supplement Insurance plans are accepted by any doctor in the United States that accepts Medicare patients.
UnitedHealthcare Special Needs Plans (SNP)
Unitedhealthcare Out Of Pocket Maximum 2020
A type of Medicare Advantage plan, Special Needs Plans are designed to help meet the specific needs of people who have a particular health condition or unique financial needs. An SNP can help provide a way to get customized care for maximum savings.
UnitedHealthcare offers four different types of Medicare SNP plans:
- Dual Eligible Plans
- Institutional Plans
- Institutional-Equivalent Plans
- Chronic Condition Plans
Find the Right UnitedHealthcare Medicare Plan For You
Learn more about UnitedHealthcare Medicare coverage options and find plans that may be available in your area. Call 1-855-580-18541-855-580-1854TTY Users: 711 24 hours a day, 7 days a week to speak with a licensed insurance agent and to find a Medicare plan from UnitedHealthcare that may be right for you.
Does Out Of Pocket Maximum Include Deductible Unitedhealthcare
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