Explore the benefits of the UnitedHealthcare Retiree Advantage (PPO) plan

No out-of-pocket costs

$0 copays for covered medical services.

Monthly Part B subsidy

Get $150 monthly as a Medicare Part B premium reduction.

Large national network

Flexibility to see any participating provider

Prescription drug coverage

Look up your medications and search for a pharmacy near you 

Free gym membership

Free gym membership to help you stay active

UnitedHealthcare Hearing

Access to hundreds of brand name hearing aids and a $1,500 hearing aid allowance

Is a UnitedHealthcare Retiree Advantage plan right for you?


This plan may be right for you if:

  • You are a federal or postal retiree
  • You have Medicare Part A and Part B
  • You are a member of a qualifying UnitedHealthcare FEHB Health Plan

If you are a Postal retiree and didn't take Medicare Part B when you first became eligible, you may qualify for the Special Enrollment Period (SEP) beginning April 1, 2024. During the SEP, eligible retirees and their family members may enroll in Medicare Part B without paying a late enrollment penalty. You will be notified via U.S. Mail if you qualify. Learn more.

UnitedHealthcare FEHB Plan availability and rates
You will need to enter your zip code and click on ‘Health Plans’ to determine what UnitedHealthcare FEHB Health Plan is available in your area. Once enrolled in the applicable UnitedHealthcare FEHB Health Plan, you can enroll in the Retiree Advantage plan.

* Please note: High Deductible Health Plans (plan codes: LS, LU, and V4) are NOT qualifying plans and do NOT have access to the UnitedHealthcare Retiree Advantage plan.


How much will it cost?

  • Nothing – receive all of these benefits at no additional cost
  • You will just continue paying your qualifying UnitedHealthcare FEHB Health Plan premium and your Medicare Part B premium – pay nothing more

How do I sign up?

Enroll in two easy steps:


Enroll in a qualifying UnitedHealthcare FEHB Plan

If you are not already a member, you'll need to enroll with the Office of Personnel Management (OPM) during Open Season, or a Qualifying Life Event. (If you are already enrolled, skip to step two):

1-888-767-6738, TTY 711

Hours: 7:40 a.m., - 5 p.m. ET, Monday – Friday

Open season express website


Enroll in the UnitedHealthcare Retiree Advantage Plan

If you are already enrolled in a UnitedHealthcare FEHB Health Plan or after your initial enrollment has been processed and confirmed by OPM, call a UnitedHealthcare  Customer Service Advocate who will help you step-by-step to enroll:

1-844-481-8821, TTY 711

Hours: 8 a.m.–8 p.m. local time, Monday - Friday

Plan benefits and costs

View plan details and costs and see what additional benefits may be available.

Find a provider

FInd primary care physicians, hospitals and other health care providers that are part of our networks.

Prescription drug coverage

Learn about your plan’s prescription drug coverage, look up your medications and search for a pharmacy near you.

Postal Service Health Benefit Program

UnitedHealthcare’s Retiree Advantage plan is conditionally approved by OPM to participate in the Postal Service Health Benefit (PSHB) Program.

The Postal Service Health Benefits (PSHB) Program is a new, separate program within the Federal Employees Health Benefits (FEHB) Program, administered by the Office of Personnel Management (OPM) which will provide health insurance to eligible Postal Service employees, Postal Service annuitants, and their eligible family members starting in 2025.

If you would like to provide feedback regarding your Medicare Advantage plan, you can contact Customer Service or you can provide feedback directly to Medicare through their Complaint Form.