UnitedHealthcare Medicare Supplement Review (2026): Cost, Pros & Cons

UnitedHealthcare has a broad range of Medicare Supplement (Medigap) plan options, making it easier to find coverage that fits your health needs and budget. The company provides nine of the 10 standardized plans, only missing Plan M. Because the federal government standardizes Medigap benefits, each plan type has the same core coverage no matter the insurer. 

• Plan A: The most basic Medigap option, Plan A covers Medicare Part A coinsurance and hospital costs, Part B coinsurance, and up to three pints of blood each year.
• Plan B: In addition to Plan A’s benefits, Plan B also pays the Medicare Part A deductible.
• Plan C: This plan covers both the Part A and Part B deductibles, along with skilled nursing facility coinsurance and foreign travel emergency care. It’s closed to people who became eligible for Medicare on or after January 1, 2020.
• Plan D: Plan D includes strong core benefits but doesn’t cover the Part B deductible. It remains open to all newly eligible enrollees.
• Plan F: Offering the most comprehensive coverage, Plan F pays nearly all Medicare out-of-pocket costs, including both deductibles and Part B excess charges. Like Plan C, it’s only available if you qualified for Medicare before 2020.
• Plan G: The best fit for most new enrollees, Plan G matches Plan F’s extensive coverage except for the Part B deductible.
• Plan K: Plan K trades lower premiums for higher cost-sharing, covering 50% of several key benefits. The plan has an $8,000 annual out-of-pocket limit in 2026.
• Plan L: This plan pays 75% of covered benefits and includes a $4,000 out-of-pocket maximum in 2026.
• Plan N: While covering most standard Medicare expenses, Plan N requires copays of up to $20 for office visits and up to $50 for emergency room visits that don’t lead to inpatient admission.

UnitedHealthcare Medicare Supplement plans are available in all 50 states and Washington, D.C. Most states have Plans A, B, C, F, G, K, L and N, though Michigan, New Jersey and North Carolina also include Plan D. North Dakota has the most limited selection, with only Plans A, F, G and N available. Pricing methods vary by state, but most use Community Pricing, so UnitedHealthcare charges premiums by location rather than changing rates by age.

UnitedHealthcare Medicare Supplement premiums run above the national average across most plan types. For 65-year-olds, Plan K is the most affordable option at $110 per month, while Plan F is the most expensive at $394 per month. Plan G has the widest premium gap at age 65, costing $179 more than the national average. Plans N and F also cost more than average, at about $90 more per month for both 65- and 75-year-olds. Plan K is the only option priced below the national average for 75-year-olds, only $2 less per month than comparable plans.

UnitedHealthcare Medicare Supplement members get more than gap coverage. Enrolled members get access to a set of wellness extras that go beyond what standardized Medigap plans are required to include.

• Renew Active Fitness Program: UnitedHealthcare includes access to the Renew Active fitness program, which covers gym memberships at thousands of locations nationwide. The program also includes the AARP Staying Sharp online brain health platform, with content built around six pillars of brain health.
• Dental Discounts: Get discounts on dental services through a dental discount network, covering everything from routine cleanings and exams to fillings, crowns, veneers, implants and teeth whitening. This is a discount program, not dental insurance.
• Vision Discounts: Exclusive discounts on eye exams, contact lenses and eyewear are available through participating providers. 
• Hearing Benefits: Access no-cost hearing exams and consultations. You’ll also get discounts on name-brand prescription hearing aids in addition to the standard AARP member discount.
• 24/7 Nurse Line: A registered nurse is available by phone around the clock to answer your health questions and help you find resources.

Use the filterable table below to browse UnitedHealthcare Medicare Supplement plans. You can sort by plan type, location and age to quickly narrow down the coverage that fits your needs and budget.

MoneyGeek collected data for all Medicare plans nationwide for ages 65 and 75, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies based on three main categories to create a weighted score out of 5:

• Affordability (50%): Providers with the lowest monthly cost score higher.
• Pricing style (20%): Medigap insurers use three methods to determine premiums: community pricing, issue-age pricing and attained age pricing. We gave higher scores for pricing styles that are more stable, as follows: community pricing 1.0, issue-age pricing 0.8, attained-age pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
• Plan and state availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular Plan G, Plan F and Plan N. Providers that have broader nationwide availability across more states also score higher.