Health plan for retirees 65+ Medicare Advantage
For retirees 65 and older
This plan offers complete freedom to receive services from any provider who accepts Medicare.
This plan, administered by UnitedHealthcare, features a different "plan year" from other UK health insurance plans. Your Medicare Advantage plan begins on January 1 and ends on December 31.
Turning 65 soon?
If you are currently enrolled in other UK health insurance plans, you should enroll for Medicare Part B and this plan at least 30 days prior to your 65th birthday. We recommend enrolling 2-3 months before your 65th birthday.
Medicare Advantage coverage will automatically renew each year. To get a copy of the enrollment form for this plan, call 859-257-9519, option 3.
Prescriptions
This plan automatically includes prescription benefit coverage. As a result, you should not apply for a separate Medicare Part D plan.
Retiree monthly rates
| Coverage | Cost | UK pays | Retiree pays |
|---|---|---|---|
| Retiree only (eligible for credit) | $186 | $167 | $19 |
| Retiree + spouse (eligible for credit) | $372 | $167 | $205 |
| Retiree or spouse (not eligible for credit) | $186 | $0 | $186 |
| Surviving spouse (eligible for credit) | $186 | $83 | $102 |
| Retiree + spouse (not eligible for credit) | $372 | $0 | $372 |
Coverage highlights
| Medicare Advantage health plan | Maximums | United Healthcare |
|---|---|---|
| Lifetime Maximum Benefit | Unlimited | |
| Out-of-Pocket Amount | Annual deductible | $185 per member |
| Medical out-of-pocket maximum | $3,000 per member, $6,000 per family | |
| Prescription out-of-pocket maximum | N/A |
Costs for common services
| Medicare Advantage health plan | Service | United Healthcare |
|---|---|---|
| Preventive Care | Routine mammogram and Pap smears, PSA screening, colonoscopy and sigmoidoscopy | $0 |
| Routine child care and immunizations (through age 18) | $0 | |
| Routine adult physical exam (19 years and above, one per plan year) | $0 | |
| Physician Services | Routine outpatient laboratory tests and X-rays | 4% after deductible |
| Office visits (excludes certain diagnostic lab tests and X-ray) | 4% after deductible | |
| Lab tests and X-rays | 4% after deductible | |
| Allergy injections | 4% after deductible | |
| Inpatient services | 4% after deductible | |
| Outpatient surgery and diagnostic tests | 4% after deductible | |
| Hospital Services | Inpatient care (semi-private room and board, nursing care, ICU) | 4% after deductible |
| Physician visits to emergency room | 4% after deductible | |
| Outpatient surgery | 4% after deductible | |
| Outpatient tests, lab and X-ray | 4% after deductible | |
| Ancillary services | 4% after deductible | |
| Organ transplants | 4% after deductible | |
| Other Medical Services | Emergency room | $100 co-pay (waived if admitted within 24 hours for same condition) |
| Urgent care | $65 co-pay (waived if admitted within 24 hours for same condition) | |
| Home health care and hospice services | $0 | |
| Skilled nursing facility (up to 100 days per plan year) | 4% after deductible | |
| Ambulance services | 4% after deductible | |
| Durable medical equipment | 4% after deductible | |
| Physical, speech, hydrotherapy, occupational and acupuncture therapy (limited to 45 visits per plan year, combined) | 4% after deductible | |
| Mental Health and Substance Abuse | Inpatient mental health or substance abuse | 4% after deductible |
| Outpatient mental health or substance abuse | 4% after deductible |
Making changes
Within 30 days of your 65th birthday
You're 65 years young! You can sign up for Medicare Advantage depending on your eligibility. Enroll in Medicare Advantage with this form.
Qualifying events
If you experience a major life change outside of open enrollment you can also make changes to your insurance. This is known as a qualifying event. You'll need to fill out this form.
Medicare Open Enrollment
Medicare Open Enrollment happens every year in the Oct/Nov/Dec so that you can make changes. You'll receive a letter with any updates to the plan.