UnitedHealthcare Medicare Advantage Plans Washington 2025

If you’re in Washington and considering a UnitedHealthcare Medicare Advantage plan for 2025, you want information about what’s available to you. This overview of UnitedHealthcare Medicare Advantage plans, Washington, will help you understand the plan types, key benefits, and costs, ensuring you make an informed decision.

We’ll also outline the steps to enroll when you’re ready to take the next step with UnitedHealthcare.


Key Takeaways

  • UnitedHealthcare provides a broad range of Medicare Advantage plans in Washington, including AARP-branded and Group Medicare Advantage plans, which offer comprehensive coverage incorporating Original Medicare benefits and often include prescription drug coverage.



  • Additional benefits of UnitedHealthcare’s Medicare Advantage plans include the SilverSneakers fitness program, coverage for over-the-counter products, and enhancements like the Renew Active program for physical and mental fitness, as well as robust customer support with an extensive online member portal and mobile tools.

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UnitedHealthcare Medicare Advantage Plans in Washington


UnitedHealthcare Medicare Advantage Plans Washington 2025, UnitedHealthcare Medicare Advantage Plans in Washington


As a Washington resident, you have access to a variety of Medicare Advantage plans offered by UnitedHealthcare. These plans bring together the benefits of Original Medicare, which includes Part A (hospital insurance).

Part B (medical insurance), and often include additional benefits, such as prescription drug coverage. UnitedHealthcare’s Medicare Advantage plans provide a convenient one-stop solution for your healthcare needs.

UnitedHealthcare offers two main types of Medicare plans in Washington: AARP-branded Medicare Advantage plans, and Group Medicare Advantage plans. The diversity of these plans ensures that you can find a plan that best fits your health needs and lifestyle preferences.


AARP Medicare Advantage Plans

UnitedHealthcare offers AARP-branded Medicare Advantage plans, providing members with a variety of prescription drug coverage options. These plans are tailored to meet the diverse healthcare needs of AARP members, offering flexibility and comprehensive coverage.

One of the features that sets AARP Medicare Advantage plans apart is the inclusion of Medicare Part D for prescription drug coverage. UnitedHealthcare provides different AARP-branded Part D plans, each designed with its own network and pricing framework. This allows members to choose a plan that best fits their medication needs, ensuring that they have access to affordable prescription drugs.


Group Medicare Advantage Plans

In addition to the AARP-branded plans, UnitedHealthcare offers Group Medicare Advantage plans specially designed for Washington residents. One such comprehensive plan is the PEBB Complete plan, tailored to meet the specific needs of plan members.

UnitedHealthcare also offers the PEBB Balance Medicare Advantage plan, designed specifically for Medicare-eligible retirees in Washington. These Group Medicare Advantage plans cater to a wide demographic, ensuring that whether you’re a working adult or a retiree, there’s a plan for you.

Prescription Drug Coverage with UnitedHealthcare


UnitedHealthcare Medicare Advantage Plans Washington 2025, Prescription Drug Coverage with UnitedHealthcare


Prescription drug coverage is a crucial aspect of health insurance. UnitedHealthcare Medicare Advantage plans offer prescription drug coverage that varies based on the plan chosen. This includes a Prescription Drug List (PDL), a formulary that categorizes medications into tiers, affecting out-of-pocket costs for members.

The PDL is dynamic and may undergo changes that can affect the coverage status of certain medications under individual Medicare Advantage plans. However, members have the convenience of accessing a network of local pharmacies, making it easy to manage and fill prescriptions.


Medicare Part D

Medicare Part D, a crucial aspect of prescription drug coverage, is seamlessly incorporated into UnitedHealthcare’s Medicare Advantage plans. This offers beneficiaries comprehensive prescription drug coverage, ensuring they have access to necessary medications.

UnitedHealthcare’s formulary lists preventive medications that are covered even before the deductible is met, in compliance with the requirement to cover certain preventive care medications at no added cost.

For 2025, the annual deductible for Medicare Part D has been set at $545, after which copays or coinsurance fees apply depending on the medication tier and pharmacy network. The monthly premium for this plan may vary.

The Part D coverage includes multiple stages:

  • Deductible phase


  • Initial coverage



  • Catastrophic coverage (if applicable)


Cost Share and Copayments

Understanding the cost of your healthcare is vital. UnitedHealthcare’s Medicare Advantage plans include specific copayment structures for prescription drugs.

These copayments are part of broader cost-sharing strategies that also incorporate deductibles and coinsurance, and the amounts can vary depending on whether the pharmacy is considered in-network or out-of-network.

For example, the AARP Medicare Advantage Walgreens (PPO) plan offers $0 copays for tier 1 prescription drugs at Walgreens pharmacies. However, medication costs under the plan can vary significantly based on the drug’s assigned tier on the Prescription Drug List, affecting the copays or coinsurance that apply.

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Health Maintenance Organization (HMO) vs. Preferred Provider Organization (PPO)


UnitedHealthcare Medicare Advantage Plans Washington 2025


Choosing the right type of plan is essential for your healthcare journey. UnitedHealthcare offers both Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) Medicare Advantage plan options in Washington, catering to diverse healthcare needs and preferences.

Both HMO and PPO plans have distinct features and benefits. Generally, HMO plans from UnitedHealthcare require members to utilize network providers to be eligible for coverage benefits, while PPO plans offer greater flexibility in provider choice.


Network Access and Referrals

When it comes to choosing healthcare providers, HMO and PPO plans operate differently. HMO plans, including the HMO POS option, require enrollees to choose a primary care physician within the network who is responsible for managing their healthcare and issuing referrals to other network providers.

On the other hand, PPO plans offer members the flexibility to visit any provider without needing a primary care physician or referrals for specialists. Out-of-network care in HMO plans is often limited to emergency situations, while PPO plans may cover such care at a reduced rate, although it usually involves higher deductibles and coinsurance.

These differences emphasize the HMO model’s focus on managed care and cost control, while PPOs prioritize patient flexibility and broader provider choice.


Costs and Deductibles


UnitedHealthcare Medicare Advantage Plans Washington 2025


Cost is often a deciding factor when choosing a healthcare plan. HMO plans can offer lower premiums and options with low or no deductibles due to a restricted provider network helping to control costs.

On the other hand, PPO plans often have higher premiums and are typically associated with a deductible to reflect their increased flexibility in provider choice and out-of-network benefits.

Beneficiaries of HMO plans usually have predictable costs with fixed copayments for office visits and other services, which aids in budgeting for healthcare expenses. This comparison highlights the trade-off between costs and flexibility when choosing between HMO and PPO plans.

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Additional Benefits and Features


UnitedHealthcare Medicare Advantage Plans Washington 2025


UnitedHealthcare’s Medicare Advantage plans in Washington offer additional benefits beyond Original Medicare. From no referrals required for specialists to network and non-network doctor coverage, and even worldwide urgent and emergency services coverage, UnitedHealthcare ensures that its Medicare Advantage plans offer more than just basic healthcare.

Some of the specific benefits of UnitedHealthcare include:

  • The SilverSneakers fitness program


  • Home-delivered meals post-hospital discharge


  • Transportation services


  • Allowances for over-the-counter products


UnitedHealthcare Insurance Company provides members with covered services and programs aimed at supporting their overall health and well-being, accessible through their plan accounts.


Fitness Program

Fitness is an integral part of maintaining good health. The Renew Active program by UnitedHealthcare provides Washington Medicare Advantage plan members with gym memberships at no extra cost and access to a wide network of fitness locations, encouraging members to stay active and maintain their physical health.

The program also recognizes the importance of mental fitness alongside physical activity. Members benefit from activities designed to support both physical health and brain health.

Fitbit Premium and online workout videos offer an extensive range of home exercise options for Renew Active members. Additionally, members have access to:

  • Online health assessments


  • Brain exercises through AARP Staying Sharp


  • Group fitness classes


  • Fitness Orientation


  • An online community that enhances their social and cognitive well-being.


TTY 711 and Hearing Services

Hearing care is another essential aspect of comprehensive healthcare, including both Medicare and Medicaid services. UnitedHealthcare’s Medicare Advantage plans in Washington emphasize the importance of hearing care and offer a $0 copay for routine hearing exams.

This ensures that members have access to the necessary hearing healthcare services.

Beneficiaries can choose from a wide range of hearing aids, including various over-the-counter and prescription brands, and have access to both in-person and online hearing services. They also have access to one of the nation’s largest networks of hearing professionals, ensuring comprehensive support for their hearing needs.

To provide peace of mind, prescription hearing aids provided through UnitedHealthcare Medicare Advantage plans come with a three-year manufacturer warranty, which includes a trial period and covers any damage or repairs.

How to Enroll in a UnitedHealthcare Medicare Advantage Plan in Washington


UnitedHealthcare Medicare Advantage Plans Washington 2025


If UnitedHealthcare’s Medicare Advantage plans in Washington have caught your attention, you might be wondering how to enroll. Prior to enrolling, it’s essential to gather the necessary documents, including:

  • Your prescription medications list


  • Social Security number


  • Medicare card


  • Medicaid card if you have one.


Once you have gathered the necessary documents, you can choose your preferred method of enrollment. UnitedHealthcare offers several methods for enrollment:

  • Online enrollment -The zip code box on this page is a great resource that allows you to:


    • Compare different Medicare Advantage and Prescription Drug Plans


      • Focus on drug coverage and costs to find the perfect fit for your healthcare needs
      • Input your information and sort through a variety of plans
      • Weigh the pros and cons of each based on your personal situation


  • Enrolling by phone- 1-844-350-0776 (TTY user 711) Mon-Fri 8 am-9 pm Est


Eligibility Requirements

Eligibility for enrollment in a UnitedHealthcare Medicare Advantage plan requires two key factors. Firstly, individuals must have both Medicare Part A and Part B. This ensures that you have the necessary coverage for hospital insurance and medical insurance.

Secondly, applicants must reside in the plan’s service area in Washington State. This ensures that you are eligible to access the network of providers and services offered by the Medicare Advantage plan.


Enrollment Periods

Understanding when you can enroll in a UnitedHealthcare Medicare Advantage plan is essential. The Initial Enrollment Period is a 7-month timeframe that allows individuals to sign up for a Medicare Advantage plan when they first become eligible for Medicare.

This period typically starts 3 months before their 65th birthday, includes the month of their birthday, and ends 3 months after.

There are also other enrollment periods. The Open Enrollment Period runs from October 15 to December 7 each year, during which current Medicare beneficiaries can switch to a Medicare Advantage plan.

Special Enrollment Periods allow individuals to join or make changes to their Medicare Advantage plan outside the standard enrollment periods due to specific circumstances.

The Medicare Advantage Open Enrollment Period from January 1 to March 31 each year allows individuals enrolled in a Medicare Advantage plan to switch to another Medicare Advantage plan or revert back to Original Medicare.

Customer Support and Tools


UnitedHealthcare Medicare Advantage Plans Washington 2025


UnitedHealthcare offers robust customer support and a variety of tools to help you manage your Medicare Advantage plan. Members can use the dedicated member website, myuhc.com, to manage their health plans, view claims, and access coverage details.

In addition, the mobile app provided by UnitedHealthcare allows members to:

  • Manage their health information from their mobile devices


  • Conduct a network provider search


  • View claims


  • Set up virtual visits with healthcare providers


These digital tools offered by UnitedHealthcare make it convenient for members to access and manage their healthcare information.


UHC Provider Network

The UnitedHealthcare provider network is extensive, including a variety of specialists, hospitals, and clinics to provide members with a comprehensive range of healthcare services. This network also includes mental health care providers, allowing plan members to access necessary support for their mental well-being.

With the online doctor search tool, you can find network doctors, dentists, and mental health services. From finding local dentists or dental care facilities to accessing a large national network of vision providers, the online portal provides comprehensive support.

The online member portal aids members in finding doctors, medical specialists, hospitals, and labs that are part of the UnitedHealthcare network.


Online Member Portal

The online member portal is a convenient tool for UnitedHealthcare members. It allows plan members to:

  • Access their personal health plan account


  • Review current claims


  • Find network provider information


  • Understand their coverage details.


Through the member portal, plan members can sign in to view programs they are eligible for under their current health plan. The portal also offers the convenience of finding and printing a variety of commonly used forms.

For any queries, there’s a dedicated ‘Have a Question?’ section that provides assistance with frequently asked questions regarding plan options and related services.


In summary, UnitedHealthcare offers a variety of Medicare Advantage plans in Washington, catering to diverse healthcare needs. From AARP-branded plans and Group Medicare Advantage plans to comprehensive prescription drug coverage and the inclusion of additional benefits like fitness programs and hearing services, UnitedHealthcare is committed to providing comprehensive health coverage.

With flexible enrollment options and an extensive provider network, UnitedHealthcare’s Medicare Advantage plans are a solid choice for Washington residents seeking more than Original Medicare.


Frequently Asked Questions


What is the most highly rated Medicare Advantage Plan?

The top-rated Medicare Advantage plans for 2025 are offered by Humana, UnitedHealthcare, Aetna, and Blue Cross Blue Shield, providing good coverage, large networks, extra perks, and local support options.

Based on their high Medicare star ratings, the broad array of options, and low-cost plan availability, these plans stand out as the most highly rated.


Is AARP Medicare Advantage the same as UnitedHealthcare?

Yes, AARP Medicare Advantage plans are offered and insured by UnitedHealthcare Insurance Company. Therefore, they are the same in terms of coverage and insurance provider.


Can I drop my Medicare Advantage Plan and go back to my original Medicare?

Yes, you can drop your Medicare Advantage Plan and go back to your original Medicare without facing any financial penalties during specific enrollment periods. It’s important to contact your plan provider and follow specific enrollment periods.


What are the main types of UnitedHealthcare Medicare Advantage plans in Washington?

In Washington, the main types of UnitedHealthcare Medicare Advantage plans are AARP-branded plans and Group Medicare Advantage plans. These are the two options available to consider for your Medicare coverage.


How does UnitedHealthcare’s prescription drug coverage work?

UnitedHealthcare’s prescription drug coverage works by offering varying coverage based on the chosen plan. It uses a Prescription Drug List (PDL) to categorize medications into tiers, which affects out-of-pocket costs for members.

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Mon-Fri : 8am-9pm ET