WellCare vs. UnitedHealthcare
- WellCare and UnitedHealthcare are both popular insurance companies that sell Medicare plans in many areas of the U.S. In this review, we compare WellCare vs. UnitedHealthcare Medicare plans, including what they cover, how well they're rated and what plans may be available where live.
WellCare vs. UnitedHealthcare. One of the largest and most widely recognized health insurance companies in the U.S. against a much smaller and less known carrier.
On the surface, it may not feel like much of a comparison. But in this review, we'll compare Medicare plans from WellCare vs. UnitedHealthcare (UHC) to see how these insurance companies stack up.
UnitedHealthcare offers a range of coverage options such as individual and family plans, dental, vision and more. But the only type of insurance provided by WellCare are Medicare plans, so the focus of our comparison of these companies must remain there.
Both WellCare and UnitedHealthcare offer Medicare Advantage (Medicare Part C) plans and Medicare Part D prescription drug plans. UnitedHealthcare also provides Medicare Supplement Insurance (Medigap) plans, though WellCare doesn't.
WellCare provides the main types of Medicare Advantage plans, including Health Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO) plans and Special Needs Plans (SNPs) for people with chronic health conditions or those who are dual-eligible beneficiaries (which means they're eligible for both Medicare and Medicaid).
In a random sampling of WellCare Medicare Advantage plans in Los Angeles, CA, HMO plan premiums ranged from $0 per month to $28.50 per month. The costs of WellCare Medicare plans where you live could be in this range, but they might not. The best way to compare local plan costs is to compare plans online or speak with a licensed insurance agent.
Many WellCare plans include dental, vision, hearing, and prescription drug benefits along with memberships to fitness programs such as SilverSneakers.
WellCare offers Medicare Advantage plans in the following 33 states:
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- Rhode Island
- South Carolina
WellCare Medicare Part D Plans
WellCare sells Medicare Part D prescription drug plans in all 50 states, and you may have a choice of up to six different plans in your area, depending on where you live.
- WellCare Wellness Rx
- WellCare Classic
- WellCare Medicare Rx Saver
- WellCare Medicare Rx Select
- WellCare Medicare Rx Value Plus
- WellCare Value Script
Each plan has an initial coverage limit of $4,130 and an out-of-pocket spending limit of $6,550 in 2021. The WellCare Medicare Rx Value Plus plan has a $0 deductible, and the WellCare Medicare Rx Select has a $425 deductible, while all other plans have a $445 deductible in 2021.
The Rx Select and Rx Value Plus plans each have 3.5-Star Rating from the Centers for Medicare and Medicaid Services (CMS), while all other plans are rated four stars on the five-star scale. Each year, Medicare evaluates plans based on a 5-star rating system.
In a sampling of price quotes for Phoenix, AZ, monthly premiums for WellCare Part D plans ranged from $14.70 to $83.50 per month. Keep in mind that monthly premiums, deductibles, copays and other costs could be different for plans available where you live. Compare a few plan options from your local area to find out which plans may best fit your budget.
UnitedHealthcare is a much bigger insurance company than WellCare, and they sell Medicare Advantage plans in every state except Alaska. Like WellCare, UHC Medicare plans can be any one of the popular types of Medicare Advantage plans like HMO, PPO and Special Needs Plans.
UnitedHealthcare also sells Private Fee-for-Service (PFFS) plans. These plans offer more flexible provider network rules than some other types of plans and may be used at any health care provider who agrees to the payment terms of the plan.
In our random sampling of Medicare Advantage plan quotes in Los Angeles, CA, UnitedHealthcare HMO Medicare plan premiums ranged from $0 to $22.50 per month, and most plans include dental, vision, hearing, prescription drugs and fitness memberships.
UnitedHealthcare Medicare Part D Plans
UnitedHealthcare offers Medicare Part D plans through its partnership with AARP. Plans are available nationwide and include three options in most areas:
- MedicareRx Walgreens
- MedicareRx Preferred
- MedicareRx Saver Plus
The Medicare Rx Preferred Medicare drug plan has a $0 deductible, while the MedicareRx Saver Plus plan has a $445 deductible in 2021. The MedicareRx Walgreens plan has a $0 deductible for Tier 1 and Tier 2 drugs and a $445 deductible for tiers 3, 4 and 5.
In a sampling of price quotes from Phoenix, AZ, monthly premiums ranged from $31.10 to $90.20. As noted above, the monthly premiums for UHC Medicare Part D plans that are available where you live may be higher or lower than these examples.
UnitedHealthcare vs. WellCare: Medicare Supplement Plans
WellCare does not sell Medicare Supplement Insurance (Medigap) plans, which are plans that can pay for many of your out-of-pocket Medicare costs such as deductibles, coinsurance and copays.
UnitedHealthcare, on the other hand, sells nine of the 10 standardized Medigap plans that are available in most states, including the popular Medicare Supplement Plan C, Medicare Plan F and Medicare Plan G plans. Plan availability will vary by location.
Summary: WellCare vs. UnitedHealthcare
UnitedHealthcare is a large insurance company selling Medicare Advantage, Medicare Part D and Medigap plans all over the U.S.
WellCare is a much smaller company with more limited options. While this carrier sells Medicare Part D nationwide, its Medicare Advantage plans reach only 33 states and there are no Medigap plans from which to choose.
However, benefits and cost comparison between WellCare and UnitedHealthcare Medicare plans are competitive, so shoppers should be encouraged to seek out the plan options in their area that are offered by each company.