The American Association of Retired Persons' MedicareComplete plans provide additional benefits to Medicare plans with insurance through United Healthcare, as of 2015. The plans include worldwide emergency coverage and urgent care, and most plans include prescription coverage and a 24-hour nurse hotline.
There are three types of MedicareComplete plans offered by the AARP. Health maintenance organizations usually require people to receive medical services from a network of providers with the exception of emergency room visits, urgent care visits and dialysis services. Depending on the plan, a referral to a specialist may be necessary. Out-of-pocket costs are usually less than point-of-service and preferred provider organization plans.
Point-of-service plans are similar to an HMO, but patients can see providers for certain services that are outside of the provider network. POS plans may require a specialist referral, depending on the plan. The out-of-pocket costs are usually higher than HMO plans, but lower than PPO health plans.
PPO plans allow patients to see providers for all of the covered services outside of the provider network, usually at a higher cost. They don't usually require referrals, and the out-of-pocket costs are typically higher than HMO and POS health plans. Some MedicareComplete plans have no additional monthly premiums over what a person already pays for their Part B Medicare plan.