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Frequently Asked Questions
Obtain answers to commonly asked questions related to Medicare, your plan, and UnitedHealthcare.®
No. This is a custom Group Medicare Advantage (PPO) plan designed exclusively for retirees of AT&T, with additional benefits and features and available on a national basis, including all U.S. territories. This plan is different and should not be confused with individual UnitedHealthcare Medicare Advantage plans that might be available in the area.
Medicare Supplement plans do not work with Medicare Advantage plans, and you would not be able to use your Medicare Supplement to pay for any health care coverage.
If you choose to enroll in the AT&T Group Medicare Advantage (PPO) Plan or the AT&T Group Medicare Advantage (PPO) Plus Plan, you will have to contact your current carrier to disenroll from any Medicare Supplement plan when you receive your Medicare Advantage member ID card, otherwise, you will be paying for two different plans that do not coordinate payment.
If you are currently enrolled in a Medicare Supplement plan and new to Medicare Advantage, you can try the AT&T Group Medicare Advantage (PPO) Plan for up to one year and still have the option to go back to your former Medicare Supplement plan and carrier on a guarantee issue basis.2 You may receive/have received Medicare Supplement billing materials for the coming year. If you choose to enroll in one of the AT&T Group Medicare Advantage (PPO) Plans you may disregard any billing materials for the upcoming year after you have canceled your Medicare Supplement plan. If you are enrolled in a Medicare Supplement plan with another Insurance Company, you will need to check with them for more details.
2 2024 Medicare.gov, https://www.medicare.gov/supplements-other-insurance/when-can-i-buy-medigap/guaranteed-issue-rights.
The AT&T Group Medicare Advantage (PPO) Plans have a large formulary (drug list) uniquely designed for AT&T retirees to cover nearly all eligible Part D medications. The majority, if not all your current medications would continue to be covered. Additionally, this plan includes an expanded pharmacy network with thousands of national chain, regional and independent local retail pharmacies across the 50 United States, the District of Columbia and U.S. territories. This pharmacy network is substantially larger than many offered on the individual market, which may result in your current pharmacy continuing to be in-network.
Your cost for prescriptions may change. What you pay will depend on what drug cost tier your prescription falls into. Your cost may also change during the year based on the total cost of the prescriptions you have filled. To find out how your current prescriptions may be covered, call UnitedHealthcare Customer Service.
Your member materials will provide information on your formulary (drug list) and plan design. We also recommend calling UnitedHealthcare Customer Service to review all your prescription medications. In most cases, you will not need to change your prescriptions. This plan has a broader formulary than any individual plan.
We are not able to transfer your prescriptions from your current mail order pharmacy. We encourage you to have your doctor write you a new prescription to be filled at Optum Home Delivery Pharmacy. Your Preferred Mail Order Provider is Optum Rx®, a UnitedHealth Group company. Once you are enrolled, the UnitedHealthcare Quick Start Guide you receive will include Optum Rx contact information.
Optum Rx is an affiliate of UnitedHealthcare Insurance Company. You are not required to use Optum Home Delivery Pharmacy to supply your maintenance medication.
The AT&T Group Medicare Advantage (PPO) Plans are unique Preferred Provider Organization (PPO) Plans that allows you to see any Medicare-willing provider (in-network or out-of-network) at the same cost share, as long as the provider accepts the plan and is eligible to participate in the Medicare Program. More than 99.9% of members continue to have access to their chosen providers.1
12024 UnitedHealthcare Group member and provider reporting data, member utilization and individual market plan premiums.
Network providers have a contract with UnitedHealthcare. Out-of-network providers do not have a contract. With these PPO plans, you can see any provider (in-network or out-of-network) at the same cost share. Members of the AT&T Group Medicare Advantage (PPO) Plans have access to over 1 million in-network providers and to any other Medicare provider accepting the plan that is eligible to participate in the Medicare Program. Over 99.9% of members continue to have access to their chosen providers.1
12024 UnitedHealthcare Group member and provider reporting data, member utilization and individual market plan premiums.
Whether your provider is in-network or out-of-network, your provider can submit claims to UnitedHealthcare online. If needed, the UnitedHealthcare claim address information is provided on your UnitedHealthcare member ID card. UnitedHealthcare processes claims payments for out-of-network providers in compliance with all federal regulations.
No, you will only use your UnitedHealthcare member ID card for all covered medical and prescription drug services. Make sure to put your Medicare card somewhere for safe keeping. It is important that you use your UnitedHealthcare member ID card each time you receive medical services or fill a prescription. Because UnitedHealthcare pays all claims directly, the claims no longer go to Medicare first. By always showing your UnitedHealthcare member ID card, you can help make sure that your claims get processed correctly, timely and accurately.
Note: you may still need to show your Medicare Red, White and Blue ID card when getting the COVID-19 vaccine.
Medicare Part A and Part B are usually referred to as "Original Medicare". Part A offers coverage for your hospital stays, while Part B offers coverage for doctor visits and outpatient care. You receive your benefits directly from the government. Medicare then pays fees for your care directly to the doctors and hospitals you visit.
Medicare Part C plans are usually referred to as Medicare Advantage plans. All Medicare Advantage plans are provided by private insurance companies, like UnitedHealthcare Insurance Company, and they all combine coverage for hospital stays (Medicare Part A) with coverage for doctor visits and other outpatient care (Medicare Part B) into one plan. Some plans include prescription drug coverage (Medicare Part D), plus extra benefits like vision, hearing and dental coverage. Under Medicare Part C, the Medicare Advantage plan pays the fees for your care directly to the doctors and hospitals that you visit.
Medicare Supplement plans act as a supplement to "Original Medicare" (Parts A and B). Medicare Supplement plans help to pay for some of the costs, like coinsurance and deductibles that Original Medicare does not cover. If you enroll in a Medicare Supplement plan and need prescription drug coverage, you will need to enroll in a Medicare Part D prescription drug plan also.
Senior Supplement plans also act as a supplement to Original Medicare, but are only offered through an employer group or plan sponsor. They may have similar benefits as the Federal Medicare Supplement plans, but may also cover state-mandated benefits. If you enroll in a Senior Supplement plan and need prescription drug coverage, you will need to enroll in a Part D prescription drug plan also. Employer groups and plan sponsors commonly offer both a Senior Supplement plan and a separate Medicare Part D prescription drug plan.
Yes. You must be enrolled in Medicare Part A and Part B to be eligible for the AT&T Group Medicare Advantage (PPO) Plans and you must continue to pay your Part B premium to the government. This is also a requirement for Medicare Advantage, Medicare Part D prescription drug, Medicare supplement, and Senior Supplement plans. If you stop paying your Part B premium, you may be disenrolled from your plan.
To find doctors or hospitals in our network, click on “Find a Provider” in the navigation at the top of the page. This directory is updated regularly to provide you with the current listing of network providers. If you would like help finding a network doctor or to request a written copy of the Provider Directory, please call Customer Service.
Click on the Resources tab in the menu at the top of your screen, then on the Appeals & Grievances link. This page provides detailed information about the appeals process.
This information is accessible within the member portion of the site. Once logged in, click the "Coverage & Benefits" link in the menu at the top of your screen. This page will provide your annual deductible and out-of-pocket costs for your health and prescription drug plan, as applicable.
This information is accessible within the member portion of the site. Once logged in, click the "Claims" link in the menu at the top of your screen. The Claims page will enable you to search for medical and/or drug claims by date range and will provide an overview of each claim searched.
AT&T may have specific rules that tell you when you can change or disenroll from your plan. Refer to your AT&T Group Medicare Advantage (PPO) plan Summary of Plan Description.
Each year that you are a member of a UnitedHealthcare Medicare Advantage or Medicare Part D Prescription Drug plan, you will receive an Annual Notice of Changes (ANOC) about six weeks before your plan's effective date. The ANOC explains any changes in coverage, costs, and benefits that will be effective for the upcoming year. You may also call the customer service number listed on your member ID card with any questions.
This information is accessible within the member portion of the site. Once logged in, click on the "View and Print Member ID Card" link on the home page.
If you are unable to find the links noted above, please call customer service using the number listed on your plan materials or the number noted for Plan Members on the Contact Us page.
The 2025 EOC for the AT&T Group Medicare Advantage Plan will be available mid October 2024 through the AT&T Benefits Center at att.com/benefitscenter. Under Medical, select AT&T Group Medicare Advantage Program (SPD) or Medicare Advantage Plan EOC - Non-Grandfathered. You can download a copy of the EOC for reference.
The AT&T Group Medicare Advantage (PPO) plan will generally pay first for Medicare-covered services.
You can contact TRICARE for LIFE at 1-866-773-0404 for additional information.
Coordination: The AT&T Group plan and TRICARE may coordinate their benefits if your AT&T Group MAPD plan pharmacy is also a TRICARE network pharmacy. Otherwise, you can file your own claim to get paid for any out-of-pocket costs. Contact tricare.mil or call the TRICARE Pharmacy Program at 1-877-363-1303.
Members who have both Medicare and VA benefits can receive treatment under either program and will need to choose which benefits to use each time they access care. Medicare and the VA cannot pay for the same service. You can contact the VA at 1-800-827-1000, TTY 1-800-829-4833 for additional information. You also cannot use both VA benefits and the AT&T Group MAPD benefits for the same drug at the same time. There is no coordination between Original Medicare and VA benefits or the MAPD and VA.