UHC Community Plan Review

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Some Medicare and Medicaid beneficiaries may be surprised to learn there are insurance plans that combine the benefits of both federal health insurance programs. These plans, which are available to those who qualify for both Medicare and Medicaid, are called Dual-eligible Special Needs Plans, or D-SNP.

Special Needs Plans are a type of Medicare Advantage plan, and one popular D-SNP is the UHC Community Plan from UnitedHealthcare (UHC). In this Medicare plan review, we outline the UHC Community Plan, including plan benefits, costs, eligibility, enrollment and more.

What Does the UnitedHealthcare Community Plan Cover?

The UHC Community Plan is a Dual-eligible Special Needs Plan that is managed by UnitedHealthcare, which is among the largest insurers in the U.S. The UnitedHealthcare Community Plan combines the benefits of Medicare Advantage with those of Medicaid. 

The UHC Community Plan provides all of the same coverage as Original Medicare (Medicare Part A and Part B) and can include benefits that are not covered by Original Medicare. The coverage found in a Dual-eligible Special Needs Plan is often aligned with the needs of individuals who are eligible for both Medicaid and Medicare. Check with a licensed insurance agent about the coverage found in any UHC Community Plans available in your service area. 

Is UnitedHealthcare Community Plan the Same as Medicaid?

The UHC Community Plan combines Medicare and Medicaid benefits together in one plan. The plan is provided by a private company, UnitedHealthcare. It is not the same as traditional Medicaid, which is publicly funded and operated by each individual state.

The UHC Community Plan offers more benefits than what is generally found in traditional Medicaid programs in many states.

What Are the Eligibility Requirements for a UHC Community Plan?

Being “dual eligible” means you qualify for both Medicare and Medicaid. 

• Medicare eligibility requires being at least 65 years old or having a qualifying health condition or disability. 
  
  
• Medicaid eligibility varies by state, but generally requires your income to be below a certain threshold. Find out if you are eligible for Medicaid in your state.  

To be eligible for a UHC Community Plan, you must qualify for both Medicare and Medicaid, and a UHC Community Plan must be available where you live. 

How Do I Enroll in or Renew My UnitedHealthcare Community Plan?

If you are already enrolled in a UnitedHealthcare Community Plan and continue to meet your state’s Medicaid eligibility requirements, there is nothing you will need to do to renew your coverage. 

You also have the option of speaking to an insurance agent who is licensed to sell Medicare Advantage Special Needs plans. If there are no UHC Community Plans available where you live, there may be other Dual-eligible Special Needs Plans you can consider that are offered by other insurance carriers.