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

UnitedHealthcare covers nine of the 10 standardized Medigap plans. Only Plan M is missing. Because the federal government standardizes Medigap benefits, each plan type carries the same core coverage regardless of 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: Covers everything Plan A does, plus 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 covers Medicare Part A coinsurance, skilled nursing facility costs and foreign travel emergency care, but excludes 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: For most new enrollees, Plan G is the right plan. It covers everything Plan F does except the Part B deductible and at $358 monthly at age 65, it costs $36 less than Plan F. It's open to all new enrollees, unlike Plan F.
• Plan K: Plan K trades lower premiums for higher cost-sharing, covering 50% of several core 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. 
  

For new enrollees deciding between Plan G and Plan N, the monthly cost difference is $73 at age 65. Plan G costs $358 and Plan N costs $285 through UnitedHealthcare. 

Plan N is cheaper but requires copays at each visit. In my analysis, Plan G is the better choice for most new enrollees. The copay savings under Plan N only outpace the premium gap if you have four or fewer outpatient visits per year.

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.

UnitedHealthcare Medicare Supplement premiums run above the national average across most plan types. Plan K is cheapest at $110 monthly for 65-year-olds. Plan F is most expensive at $394 a month, with the widest gap at $94 above average.

MoneyGeek's Medigap pricing analysis shows Community Pricing is the central trade-off. You pay above-market rates today, but those rates won't rise as you age. At attained-age carriers, Plan G premiums can climb $50 to $100 per month within a decade.

Plan K is the only plan priced below the national average for 75-year-olds, at $2 less per month. Plan K's $8,000 annual out-of-pocket limit is the key trade-off. In a year with significant medical expenses, your total costs under Plan K could exceed what you'd pay in Plan G premiums for the year. 

Plan N carries the largest gap among plans new enrollees choose, at $91 above average. Compare Plan N quotes from at least two other Medigap insurers before committing.

UnitedHealthcare Medicare Supplement members get more than gap coverage. The Renew Active gym benefit has practical dollar value for enrollees who use it regularly. Members who already pay for a gym membership get that cost covered, which partially offsets UnitedHealthcare's above-average premium. The dental and vision discounts are worth less to enrollees who already carry standalone dental or vision coverage. 

• Renew Active Fitness Program: UnitedHealthcare includes access to the Renew Active fitness program, which covers gym memberships at participating locations nationwide. The program also includes the AARP Staying Sharp online brain health platform.
• 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: Members get discounts on eye exams, contact lenses and eyewear at 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.

UnitedHealthcare is worth the higher entry cost for long-term Medigap holders in community-rated states who want broad plan access from a single insurer. For cost-first buyers or enrollees in Kansas, North Dakota or Oregon, where attained-age pricing removes the Community Pricing advantage, a cheaper competitor is the stronger choice. 

If you're in one of the 43 states where UnitedHealthcare uses Community Pricing, your premium won't increase because you age. Frequent-care users seeing a doctor regularly should compare total annual costs, not just monthly premiums. Plan N saves $876 per year on premiums over Plan G, but each office visit adds a copay of up to $20 and each emergency room visit that doesn't result in admission adds up to $50. For most enrollees, Plan N's annual premium savings outpace the copay exposure.

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%): Community rating scores highest at 1.0, followed by issue-age at 0.8 and attained-age at 0.6. A slightly higher-cost community-rated plan can still outscore a cheaper 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.

UnitedHealthcare's 4.3/5 MoneyGeek score reflects strong availability and Community Pricing stability. The above-average cost keeps it from reaching the top tier, but enrollees in community-rated states who prioritize long-term premium predictability will find it scores better for their needs than the affordability sub-score of 4.6 alone suggests.