We believe by including the United Healthcare® Senior products in your portfolio you will enjoy a prosperous and rewarding career selling Medicare senior insurance plans to your clients.

The information listed below details the various Medicare products available and the advantages of including these products in your portfolio.
Please contact us if you have any questions.


Medicare Advantage Plans
Offered through SecureHorizons®
  • • Help pay for hospital costs, doctor’s visits, and other medical services
  • • May also include built–in Medicare prescription drug coverage (Part D) often at
    no additional premium
  • • Typically provide additional benefits, like preventive care, that Original Medicare
    doesn’t cover
  • • Have plan premiums not based on age or health
  • • Combine all benefits and services in one plan
  • • Come in several different forms:
    • - Health Maintenance Organizations (HMOs)
    • - Preferred Provider Organizations (PPOs)
    • - Point of Service (POS)
    • -Private-Fee-for-Service (PFFS)


Special Needs Plans
Special Needs Plans are for people with special needs. There are three basic types of plans for:
  • • People with chronic conditions
  • • People living in nursing homes, long-term care or assisted living facilities
  • • People eligible for both Medicare and Medicaid (state medical assistance)

Here’s what Special Needs Plans can do for your client:
  • • Help pay for hospital costs, doctor’s visits, and other medical services (Medicare Parts A & B)
  • • Include built–in prescription drug coverage (Part D) often at no additional premium
  • • Provide additional benefits, like preventive care, that Original Medicare doesn’t cover
  • • Combine all benefits and services in one plan


PFFS Plan
A Private–Fee–for–Service Plan offers the ability to control out–of–pocket expenses while providing the flexibility of provider selection.
Here are some advantages of a PFFS Plan:
  • • Choice of any doctors and hospitals who agree to accept the plan’s terms and conditions each time your
    client seeks services
  • • Visit any specialist without getting permission
  • • Provides benefits that Original Medicare doesn’t cover
  • • Limits out-of-pocket expenses for covered services


Medicare Part D Plans
Medicare Part D plans help cover the cost of your client’s prescription drugs. Here are some of the main features
of a Part D plan:
  • • Provide help with the cost of prescription medications
    • • Are only offered through private insurance companies
  • • Are usually offered two ways:
  • - As a stand alone plan to add coverage to Medicare Parts A and B and as a complement to a Medicare Supplement plan
  • - Or as part of a Medicare Advantage (Part C) plan


Medicare Supplement Plans
Every client has different Healthcare needs. If your client wants to customize their Healthcare, a Medicare Supplement Plan
(also known as “Medigap”) may be right for them.

What these plans offer:
  • • Additional coverage beyond Original Medicare to help fill in the gaps in Medicare Parts A & B
  • • Help reduce or eliminate money paid out-of-pocket for care received (deductibles, co-pays, and coinsurance)
  • • Plans are standardized and are identified by letters — A through L (Massachusetts, Minnesota and Wisconsin have their own
    standardized plans)
  • • Are only offered through private insurance companies

What these plans can do for your client:
  • • Help manage out-of-pocket costs
  • • Freedom to choose any doctor that accepts Medicare
  • • Virtually no claim forms to file
  • • National coverage so your client can use benefits anywhere in the U.S. and if they move, their coverage
    moves with them
  • • Most plans include foreign travel coverage for emergency services
  • • Guaranteed renewability meaning the plan automatically renews or is guaranteed to continue from year to year as long as
    premiums are paid when due
  • • 30-day “free look” evaluation period. Full refund of premiums if policy is returned within 30 days of policy issuance.
  • • Depending on plan, special extras may be available, such as pharmacy savings, vision discounts, and a 24-hour
    Nurse Hotline.


Marketing Materials
As you can see, UHC® offers many specific plans to fill your client’s needs. Once you are contracted with a Field Marketing Organization, you can get more information on how to market these plans by logging-in to unitedhealthproducers.com. There you can access in-depth information about each plan
and download sales materials.

Even during the lock-in period, there are still great sales opportunities. To help you sell during this period, a full library of marketing materials is available
at unitedhealthproducers.com.

Materials include the following topics:
• Age-In
• New Movers
• Low Income
• Chronic Illness Plans
• Medicare Supplement Plans

For more information, contact our Director of Recruitment:
Colleen Gimbel at 520-745-2300 or toll free 888-745-2320.