With Medicare Plus, you are not bound by a network, you can see any doctor, anywhere. You can even receive reimbursement worldwide for services typically covered by Medicare. This plan works with Medicare, acting as a supplement for the portion of covered services not paid by Medicare. Medicare Plus will continue to be a Medicare supplement plan for eligible retirees and their dependents who select the Access Plan and the State Maintenance Plan (SMP).

Medicare Plus will pay your Medicare Parts A and B deductibles and coinsurance. This group plan is superior to individual Medicare supplements as it provides protections from fees that exceed usual, customary, and reasonable amounts if members use a provider who is not affiliated with Medicare.

Medicare Plus offers health systems and providers both statewide and nationwide. It includes worldwide coverage for medically necessary care and services allowed by your certificate of coverage. This may also be referred to as foreign travel coverage. Note, however, in cases where Medicare excludes coverage for a service, this plan will also deny coverage.

The Medicare Plus plan is designed to supplement, not duplicate, the benefits available under Medicare for State and Local Group Health Insurance Program retirees.

See the Breakdown of Your Costs by Medicare Plan Design online for more details and the Certificate of Coverage (ET-4113) for complete information.

Renew Active Fitness Program

Renew Active® is a Medicare fitness program for body and mind - available with your UnitedHealthcare Medicare Plus plan, at no additional cost.

  • Stay fit with a free gym membership at a fitness location you select from Renew Active’s nationwide network—the largest of all Medicare fitness programs, including many premium gyms. If you prefer to exercise at home, you can view thousands of on-demand workout videos and live streaming fitness classes.
  • Stay connected socially through local health and wellness classes and events. Also, connect socially by joining the online Fitbit® Community for Renew Active. No Fitbit device is needed.
  • Stay focused on brain health with AARP® Staying Sharp®, an online brain health program including exclusive content for Renew Active members.

Participation in the Renew Active® program is voluntary. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine. Renew Active includes standard fitness membership. Fitness membership equipment, classes, personalized fitness plans, caregiver access and events may vary by location. Certain services, discounts, classes, events, and online fitness offerings are provided by affiliates of UnitedHealthcare Insurance Company or other third parties not affiliated with UnitedHealthcare. Participation in these third-party services are subject to your acceptance of their respective terms and policies. AARP Staying Sharp is the registered trademark of AARP. UnitedHealthcare is not responsible for the services or information provided by third parties. The information provided through these services is for informational purposes only and is not a substitute for the advice of a doctor.

The Renew Active program varies by plan/area. Access to gym and fitness location network may vary by location and plan. Renew Active premium gym and fitness location network only available with certain plans.

Provider Directory

The UnitedHealthcare Medicare Plus plan is a supplement plan to Medicare. You may use any licensed provider.

To view lists of available Medicare providers, see Find a Provider. If you would like help finding a network doctor, call 844-876-6175, TTY 711, 7 a.m. – 6 p.m. CT, Monday - Friday.

Referrals, Authorizations, Out-of-Network

If you need specialty care, no referral is required. Members have access to our national network of providers and the flexibility to see any provider (in-network or out-of-network) at the same cost share, as long as they accept the plan and have not opted out of Medicare.

Emergency and Urgent Care

If you require emergency or urgent care, seek care at the nearest medical facility.

You can also receive emergency or urgently needed services from a provider outside the United States. If you receive emergency or urgently needed services outside of the United States, the provider may require that you pay for the cost of the services in full. Ask for a written, detailed bill or receipt showing the specific services provided to you. Send a copy of the itemized bill or an itemized receipt to us to pay you back along with the Medical Reimbursement Request Form. You should be prepared to assist us in obtaining all of the information necessary to properly process your request for reimbursement, including medical records.

24-Hour Nurseline

Telephonic Nurse Support: 877-365-7949, TTY 711

Virtual Visits

See a doctor or a behavioral health specialist using your computer, tablet, or smartphone. With Virtual Visits, you’re able to live video chat from your computer, tablet, or smartphone — anytime, day or night. You will first need to register and then schedule an appointment. On your tablet or smartphone you can download the Doctor On Demand or Amwell apps.

Virtual Doctor Visits

You can ask questions, get a diagnosis, or even get medication prescribed and have it sent to your pharmacy. All you need is a strong internet connection. Virtual Doctor Visits are good for minor health concerns like:

  • Allergies, bronchitis, cold/cough
  • Migraines/headaches, sinus problems, stomachache
  • Bladder/urinary tract infections, rashes

Virtual Behavioral Health Visits

Virtual Behavioral Health Visits may be best for:

  • Initial evaluation
  • Medication management
  • Addiction
  • Depression
  • Trauma and loss
  • Stress or anxiety

You can find a list of participating virtual providers by signing in to your personal online account on the UnitedHealthcare Retiree page.

Care Outside the Service Area

Medicare Plus offers health systems and providers both statewide and nationwide. It includes worldwide coverage for medically necessary care and services allowed by your certificate of coverage. This may also be referred to as foreign travel coverage.



Major Health Systems

You have access to any provider.

Full Service Areas