--(BUSINESS WIRE)--UnitedHealthcare® today introduced its 2025 Medicare Advantage plans, featuring more choice, broad access to care and stability in the most popular benefits to meet the evolving and varied needs of Medicare consumers.

--（商业新闻短讯）——联合医疗（UnitedHealthcare®）今天推出了2025年医疗保险优势计划，其特点是在最受欢迎的福利中提供更多选择、更广泛的医疗服务和稳定性，以满足医疗保险消费者不断变化的需求。

UnitedHealthcare Medicare Advantage plans will continue to reach 96% of Medicare consumers with benefits designed to meet the broad needs of individuals nationally. Highlights of UnitedHealthcare 2025 individual Medicare Advantage plans include:

UnitedHealthcare Medicare Advantage计划将继续覆盖96%的Medicare消费者，其福利旨在满足全国个人的广泛需求。UnitedHealthcare 2025个人医疗保险优势计划的亮点包括：

More Coverage Choices to Meet Diverse Needs

更多的覆盖范围选择以满足不同的需求

UnitedHealthcare is introducing 140 new plans for 2025, many of which offer new designs and benefits more tailored to specific consumer populations and needs.

UnitedHealthcare正在为2025年推出140项新计划，其中许多计划提供了更适合特定消费者群体和需求的新设计和益处。

UnitedHealthcare’s footprint of America’s most-chosen Dual Special Needs Plans (D-SNPs) will expand to reach 135,000 additional dual-eligible consumers. When including all products designed for this population, UnitedHealthcare will reach 93% of those eligible, offering benefits that matter most to them and helping to position the company to serve these consumers long term.

联合医疗（UnitedHealthcare）在美国最受欢迎的双重特殊需求计划（D-SNPs）中的足迹将扩大到另外135000名双重合格消费者。当包括所有为这一人群设计的产品时，UnitedHealthcare将达到93%的合格人群，为他们提供最重要的好处，并帮助公司定位为长期服务于这些消费者。

Benefits may include:.

好处可能包括：。

Credits to help pay for over-the-counter (OTC) products and healthy food – enabled with the UnitedHealthcare UCard®.

用于支付非处方（OTC）产品和健康食品的积分–由UnitedHealthcare UCard®启用。

$0 copays for all covered prescription drugs on most plans.

在大多数计划中，所有涵盖的处方药共付0美元。

$0 annual physical exams, $0 lab tests and $0 preventive care.

每年体检0美元，实验室检查0美元，预防保健0美元。

$0 copay for virtual medical and mental health visits.

虚拟医疗和心理健康访问共付0美元。

Rewards for physical activity, an annual wellness visit and more.

体育锻炼、年度健康访问等奖励。

Meanwhile, the company’s footprint of Chronic Special Needs Plans (C-SNPs) will nearly double to reach 70% of people who can enroll in these plans (more than 23 million additional consumers) – those living with severe or disabling chronic conditions, including diabetes, chronic heart failure and cardiovascular disease.

与此同时，该公司的慢性特殊需求计划（C-SNPs）覆盖率将增加近一倍，达到70%可以参加这些计划的人（超过2300万额外消费者），这些人患有严重或致残的慢性病，包括糖尿病，慢性心力衰竭和心血管疾病。

This significant expansion will mean more affordable coverage options for members with these qualifying conditions. UnitedHealthcare C-SNPs offer lower average copays on benefits that are more highly utilized when compared to standard (i.e., non-SNP) plans, including specialist visits and prescription drug use.

这一重大扩张意味着拥有这些资格条件的会员将拥有更多负担得起的保险选择。与标准（即非SNP）计划（包括专家就诊和处方药使用）相比，UnitedHealthcare C-SNP提供的福利平均费用较低，而这些福利的利用率更高。

UnitedHealthcare C-SNP plans will also feature benefits like:.

UnitedHealthcare C-SNP计划还将提供以下好处：。

Monthly credit to pay for OTC products and healthy food.

每月用于支付非处方药和健康食品的信贷。

$0 copays on dental, vision and hearing exams.

牙科、视力和听力检查共付0美元。

$0 diabetic supplies from Optum® Home Delivery Pharmacy, plus coverage for footcare and diabetic shoes.

Optum®Home Delivery Pharmacy提供0美元糖尿病用品，外加足部护理和糖尿病鞋。

$25 or less for one-month supply of covered insulin.

一个月的胰岛素供应不超过25美元。

$0 annual physical exams, $0 lab tests and $0 preventive care.

每年体检0美元，实验室检查0美元，预防保健0美元。

The UnitedHealthcare standard plan portfolio will include new options in select markets that prioritize medical or ancillary benefits, along with a new plan that gives eligible members a quarterly credit that can be used to lower and even eliminate out-of-pocket costs for Medicare-covered Parts A and B services.

UnitedHealthcare标准计划组合将包括特定市场中优先考虑医疗或辅助福利的新选项，以及一项新计划，该计划为符合条件的会员提供季度信贷，可用于降低甚至消除医疗保险覆盖的a部分和B部分服务的自付费用。

Benefits available across non-SNP plans may include:.

非SNP计划的可用好处可能包括：。

$0 annual physical exams, $0 lab tests and $0 preventive care.

每年体检0美元，实验室检查0美元，预防保健0美元。

$0 copays on dental, vision and hearing exams.

牙科、视力和听力检查共付0美元。

$0 copays on hundreds of prescription drugs, at the pharmacy or by mail.

在药房或通过邮件支付数百种处方药的共付费用为0美元。

$0 copay for virtual medical and mental health visits.

虚拟医疗和心理健康访问共付0美元。

Benefit Stability, Ease Where it Matters Most to Members

利益稳定，在对会员最重要的地方轻松应对

Savings: Most members will have stability in specialist and pharmacy copays plus industry-leading prescription drug coverage. Additionally, members will have options for plans with low and $0 premiums, $0 primary care copays, coverage for routine vision, dental and hearing care, plus a free gym membership..

节省：大多数会员将拥有稳定的专科和药房费用以及业界领先的处方药覆盖率。此外，会员还可以选择低保费和零美元保费的计划，零初级保健费用，常规视力、牙科和听力保健的保险范围，以及免费的健身房会员资格。。

Access: Members may again access Medicare Advantage’s largest national provider networkii through UnitedHealthcare, available across more plans and reaching nearly 96% of individuals eligible for Medicare in the company’s coverage area.

访问：会员可以通过UnitedHealthcare再次访问Medicare Advantage最大的全国提供商networkii，该网络可通过更多计划获得，并覆盖公司覆盖范围内近96%符合Medicare资格的个人。

Members in plans that have access to the UnitedHealthcare National Network can see any of more than 1 million network providers, whether in their neighborhood or away from home.

有权访问联合医疗保健国家网络（UnitedHealthcare National Network）的计划成员可以看到100多万家网络提供商中的任何一家，无论是在他们的社区还是在家之外。

Members will also experience an enhanced, more intuitive provider search function to guide them in finding the right care.

。

Formulary Strength & Rx Savings: Each year, the Medicare Advantage formulary evolves to maintain broad therapeutic coverage for the diverse Medicare population and to deliver consistent quality with the most cost-effective options.

处方集强度和Rx节省：每年，Medicare Advantage处方集都会不断发展，以保持针对不同医疗保险人群的广泛治疗覆盖范围，并以最具成本效益的选择提供一致的质量。

The company’s Medicare Advantage formulary will cover more of the most-used tier 1 prescriptions than any national competitor.iii

该公司的Medicare Advantage处方集将比任何国家竞争对手涵盖更多最常用的一级处方。iii

All covered generic adherence medications will remain covered in tier 1 on our MAPD formulary.

所有涵盖的通用依从性药物将保留在我们的MAPD处方集的第1层中。

The top 20 most commonly used generics, particularly those essential for managing chronic conditions such as heart disease and diabetes, will be available on tier 1. And members will have tier 2 coverage for four commonly used non-Medicare covered drugs (generic Viagra, folic acid, vitamin D, B12).

排名前20位的最常用仿制药，特别是那些对治疗心脏病和糖尿病等慢性病至关重要的仿制药，将在第1层提供。会员将对四种常用的非医疗保险药物（通用伟哥、叶酸、维生素D、B12）进行二级保险。

All members will have $0 tier 1 and tier 2 copays with Optum Home Delivery Pharmacy.

所有会员将与Optum Home Delivery Pharmacy共付0美元的1级和2级费用。

A month supply of covered Part D insulin is $35.

受保障的D部分胰岛素每月供应35美元。

Members may get a 100-day prescription drug supply for prescriptions on tiers 1-3.

会员可以获得1-3级处方的100天处方药供应。

UnitedHealthcare UCard®: The UCard is the all-in-one access point for members to use their benefits – including all the features of a traditional health ID card and much more. To date in 2024, members have completed more than 71 million transactions in-store and online – spending more than $3.3 billion on their health and well-being..

UnitedHealthcare UCard®：UCard是会员使用其福利的多功能一体接入点，包括传统健康身份证的所有功能等。到2024年为止，会员在商店和网上完成了7100多万笔交易，在健康和福祉方面的支出超过33亿美元。。

For 2025, the UCard will transition from a scannable barcode to magstripe technology on most plans, allowing members to swipe their card just like they swipe their personal debit or credit cards, creating a more intuitive and secure experience.

2025年，UCard将在大多数计划中从可扫描条形码过渡到磁条技术，允许会员刷卡就像刷卡个人借记卡或信用卡一样，创造更直观、更安全的体验。

Important Specialty Benefits and Other Plan Features Bring Value, Coverage Not Offered by Original Medicare

重要的专业福利和其他计划功能带来了价值，覆盖范围不是原始医疗保险提供的

Dental: UnitedHealthcare standard Medicare Advantage plans offer preventive dental coverage for exams, routine cleanings, X-rays and fluoride at a $0 copay, with many plans offering comprehensive dental coverage included in the plan or as an optional add on.

牙科：UnitedHealthcare standard Medicare Advantage计划为检查、常规清洁、X射线和氟化物提供预防性牙科保险，费用为零美元，许多计划提供全面的牙科保险，包括在计划中或作为可选附加项目。

Hearing: UnitedHealthcare standard Medicare Advantage plans cover more than 2,000 hearing aids and devices. All full dual members will retain $0 hearing exams and an allowance for hearing aids through their UnitedHealthcare D-SNP plan or state Medicaid program.

听证会：UnitedHealthcare standard Medicare Advantage计划涵盖2000多种助听器和设备。所有正式的双重成员将通过其联合医疗保健D-SNP计划或州医疗补助计划保留0美元的听力检查和助听器津贴。

Vision: Members with a vision benefit will maintain $0 annual eye exams, and the average eyewear allowance will increase by $20 for frames or contacts, with standard lenses continuing to be covered in full.

视力：享有视力福利的会员每年将进行0美元的眼科检查，镜框或隐形眼镜的平均眼镜津贴将增加20美元，标准镜片将继续全额覆盖。

Rewards: The rewards program helps support overall plan value and experience while encouraging healthy activities like getting an annual wellness visit, completing a health assessment or connecting with others. Members can use their UCard to spend earned rewards on eligible items at participating retailers in-store or online..

奖励：奖励计划有助于支持总体计划价值和体验，同时鼓励健康活动，如每年进行一次健康访问，完成健康评估或与他人联系。会员可以使用其UCard在商店或在线参与零售商处将赚取的奖励用于购买符合条件的商品。。

Medicare Annual Enrollment runs from Oct. 15 to Dec. 7. As the only company to offer Medicare plans with the AARP name, and as the nation’s largest Medicare Advantage, D-SNP and Medicare Supplement carrier, UnitedHealthcare serves 1 in 5 Medicare beneficiaries, or over 13 million people, through a portfolio of products that include Medicare Advantage, Medicare Part D, Medicare Supplement and retiree services.iv.

医疗保险年度登记从10月15日到12月7日。作为唯一一家以AARP名称提供医疗保险计划的公司，以及美国最大的医疗保险优势、D-SNP和医疗保险补充载体，UnitedHealthcare通过包括医疗保险优势、医疗保险D部分、医疗保险补充和退休人员服务的产品组合，为五分之一的医疗保险受益人或1300多万人提供服务。

About UnitedHealthcare

关于UnitedHealthcare

UnitedHealthcare is dedicated to helping people live healthier lives and making the health system work better for everyone by simplifying the health care experience, meeting consumer health and wellness needs, and sustaining trusted relationships with care providers. In the United States, UnitedHealthcare offers the full spectrum of health benefit programs for individuals, employers, and Medicare and Medicaid beneficiaries, and contracts directly with more than 1.7 million physicians and care professionals, and 7,000 hospitals and other care facilities nationwide.

UnitedHealthcare致力于通过简化医疗保健体验，满足消费者的健康和身心需求，以及与护理提供者保持信任关系，帮助人们过上更健康的生活，并使医疗系统更好地为每个人服务。在美国，UnitedHealthcare为个人、雇主、医疗保险和医疗补助受益人提供全方位的健康福利计划，并直接与170多万医生和护理专业人员以及全国7000家医院和其他护理机构签订合同。

The company also provides health benefits and delivers care to people through owned and operated health care facilities in South America. UnitedHealthcare is one of the businesses of UnitedHealth Group, a diversified health care company. For more information, visit UnitedHealthcare at www.uhc.com or follow UnitedHealthcare on LinkedIn..

该公司还通过在南美拥有和运营的医疗保健设施为人们提供健康福利和护理。UnitedHealthcare是一家多元化医疗保健公司UnitedHealth Group的业务之一。有关更多信息，请访问www.uhc.com上的UnitedHealthcare或在LinkedIn上关注UnitedHealthcare。。

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies. For Medicare Advantage Plans: A Medicare Advantage organization with a Medicare contract. For Dual Special Needs Plans: A Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program.

计划通过联合医疗保险公司（UnitedHealthcare Insurance Company）或其附属公司之一投保。对于Medicare Advantage计划：具有Medicare合同的Medicare Advantage组织。针对双重特殊需求计划：拥有医疗保险合同和与州医疗补助计划签订合同的医疗保险优势组织。

Enrollment in the plan depends on the plan's contract renewal with Medicare..

该计划的注册取决于该计划与Medicare的合同续签。。

Benefits, features and/or devices may vary by plan/area. Limitations, exclusions and/or network restrictions may apply.

优点、功能和/或设备可能因计划/区域而异。限制、排除和/或网络限制可能适用。

Food and OTC benefits have expiration timeframes. Call your plan or review your Evidence of Coverage (EOC) for more information.

食品和非处方药福利有到期期限。有关更多信息，请致电您的计划或查看您的覆盖率证据（EOC）。

D-SNP: Eligibility for the healthy food benefit under the Value-Based Insurance Design model is limited to members with Extra Help from Medicare and will be verified after enrollment. For TN only: The healthy food benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as high blood pressure, high cholesterol, chronic and disabling mental health conditions, diabetes and/or cardiovascular disorders, and who also meet all applicable plan coverage criteria.

D-SNP：在基于价值的保险设计模式下，健康食品福利的资格仅限于获得Medicare额外帮助的成员，并将在注册后进行验证。仅适用于TN：健康食品福利是一项特殊的补充福利，仅适用于符合条件的慢性病患者，如高血压、高胆固醇、慢性和致残性心理健康状况、糖尿病和/或心血管疾病，以及符合所有适用计划覆盖标准的患者。

There may be other qualified conditions not listed. Contact us for details..

可能还有其他未列出的合格条件。有关详细信息，请与我们联系。。

C-SNP: The healthy food benefit is a special supplemental benefit only available to chronically ill enrollees with a qualifying condition, such as diabetes, chronic heart failure and/or cardiovascular disorders, and who also meet all applicable plan coverage criteria. Contact us for details.

C-SNP：健康食品福利是一项特殊的补充福利，仅适用于患有糖尿病、慢性心力衰竭和/或心血管疾病等符合条件的慢性病患者，并且也符合所有适用的计划覆盖标准。有关详细信息，请与我们联系。

By activating and/or using the benefits and reward funds with your UCard, you agree to the Terms and Conditions available at ucard.uhc.com. UCard does not need to be activated to visit your provider or fill a prescription. Reward offerings may vary by plan and are not available in all plans. By participating in the program or accessing rewards funds, you agree to the Rewards Program Terms of Service..

。奖励可能因计划而异，并非在所有计划中都可用。通过参与该计划或使用奖励基金，即表示您同意奖励计划的服务条款。。

Optum Home Delivery Pharmacy and Optum Rx are affiliates of UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery Pharmacy for medications you take regularly. There may be other pharmacies in our network.

Optum Home Delivery Pharmacy和Optum Rx是UnitedHealthcare Insurance Company的附属公司。您不需要使用Optum Home Delivery Pharmacy定期服用药物。我们的网络中可能还有其他药店。

You will pay a maximum of $25 for each one-month supply of Part D covered insulin drug through all Drug Payment Stages except Catastrophic Drug Payment Stage where you'll pay $0.

在所有药物支付阶段，您将为每一个月供应D部分涵盖的胰岛素药物支付最高25美元，但灾难性药物支付阶段除外，您将支付0美元。

$0 copay may be restricted to particular tiers, preferred medications, or home delivery prescriptions during the initial coverage phase and may not apply during the catastrophic stage.

在初始覆盖阶段，共付0美元可能仅限于特定级别、首选药物或家庭分娩处方，在灾难阶段可能不适用。

The fitness benefit varies by plan/area and may not be available on all plans. The fitness benefit includes a standard fitness membership. The information provided is for informational purposes only and is not medical advice. Consult your doctor prior to beginning an exercise program or making changes to your lifestyle or health care routine.

健身福利因计划/地区而异，可能不适用于所有计划。健身福利包括标准健身会员资格。所提供的信息仅供参考，并非医疗建议。在开始锻炼计划或改变生活方式或保健程序之前，请咨询医生。

Gym network may vary in local market and plan..

健身房网络可能因当地市场和计划而异。。

If your plan offers out-of-network dental coverage and you see an out-of-network dentist, you might be billed more.

如果您的计划提供网络外牙科保险，并且您看到了网络外牙医，您可能会收到更多账单。

Other hearing exam providers are available in the UnitedHealthcare network. The plan only covers hearing aids from a UnitedHealthcare Hearing network provider.

联合医疗保健网络（UnitedHealthcare network）还提供其他听力检查提供商。该计划仅涵盖联合医疗保健听力网络提供商提供的助听器。

Annual routine eye exam and $100-400 allowance for contacts or designer frames, with standard (single, bifocal, trifocal or standard progressive) lenses covered in full either annually or every two years. Additional charges may apply for out-of-network items and services. Vision retail locations include retailer websites..

每年例行眼科检查，隐形眼镜或设计师镜框补贴100-400美元，标准（单焦、双焦、三焦或标准渐进式）镜片每年或每两年全部覆盖。额外费用可能适用于网络外项目和服务。愿景零售地点包括零售商网站。。

Virtual visits may require video-enabled smartphone or other device. Not for use in emergencies.

虚拟访问可能需要支持视频的智能手机或其他设备。不用于紧急情况。

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Statistics refer to UnitedHealthcare standard Medicare Advantage plans (i.e. non-Special Needs Plans) unless specified otherwise.

除非另有说明，统计数据是指联合医疗保健标准医疗保险优势计划（即非特殊需求计划）。

i Most chosen based on total plan enrollment from CMS Enrollment Data, September 2024.

我根据CMS入学数据（2024年9月）的总计划入学率进行了大多数选择。

ii Provider network may vary in local market. Provider network size based on Zelis Network360, May 2024.

ii供应商网络可能因当地市场而异。提供商网络规模基于Zelis Network360，2024年5月。

ii Formulary review based on drug utilization by CMS among competitors 2024 formularies reaching at least 80% of Medicare eligibles.

ii基于CMS在竞争对手中的药物利用情况的处方集审查2024个处方集达到至少80%的医疗保险合格率。

iv CMS enrollment data, September 2024.

iv CMS入学数据，2024年9月。

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