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Are some Medicare Advantage plans restrictive? Do the university-sponsored plans have restrictions?

The university-sponsored UHC Group Medicare Advantage plans are employer-sponsored group Medicare Advantage plan; therefore, the plans do not carry the same limitations as individual Medicare Advantage plans have, such as, limited service areas, network restrictions, limited benefits, etc. The UHC Group Medicare Advantage plans represent a national solution that offers in- and out-of-network coverage at the same copay for members. You are not restricted to a limited service area. You do not need to select a primary care physician, and no referral is needed to see a specialist. The plans cover all of the benefits of Original Medicare and also have some added benefits and clinical programs to help members manage their health more effectively. You still retain the rights and protections of Medicare.

Reviewed 2017-06-07