My Retiree
Virtual Education Center™

Common questions

• Does Medicare Advantage replace my Original Medicare coverage?

  This plan combines your Original Medicare coverage with enhanced benefits that are included in the the Group Medicare Advantage (PPO) plan. You only have to show your UnitedHealthcare member ID card when visiting your provider.

• Do I have to pay a separate Medicare premium?

  Just as you do today, you will have to pay a separate premium for Medicare Part B, which is then deducted from your monthly federal benefit. Your premium amount will depend on your income.

• Can I continue to see my current provider?

  Because this is a Preferred Provider Organization (PPO) plan, it allows you to see any Medicare-willing provider (network or out-of-network) at the same cost share, as long as the provider accepts the plan.

• What about coverage for my spouse?

  When you and your spouse are both 65, you will both be eligible for the Group Medicare Advantage (PPO) plan. If your spouse turns 65 before you, they will remain on your existing plan until you are eligible.

• What if I’m enrolled in a Medicare Supplement plan now?

  Once you’re a member of the Group Medicare Advantage (PPO) plan, you’ll have to actively disenroll from any Medicare Supplement plan; otherwise, you’ll be paying for two different plans at once. To disenroll, contact your current Medicare Supplement provider.

• Is this the UnitedHealthcare Medicare Advantage plan that’s advertised on TV?

  No, this is a custom Group Medicare Advantage (PPO) plan designed exclusively for retirees of IBM, with a distinct set of added benefits and features. This plan is also nationwide – including all U.S. territories – and should not be confused with individual UnitedHealthcare Medicare Advantage plans available in your area.