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UnitedHealthcare Medicare Supplement Plans Beyond the Letter Chart: State Designs, SELECT and Under-65 Rules

Reviewed by Russell Noga, Licensed Medicare Insurance Broker (all 50 states) — Last updated November 10, 2026

UnitedHealthcare Medicare Supplement plans are sold in every state, but what you can buy depends on where you live: most states get lettered Plans A through N, while Massachusetts, Minnesota and Wisconsin get their own state-designed plans. The policies are issued by UnitedHealthcare Insurance Company (or an affiliate in some states), and enrolling requires a paid membership in the sponsoring organization.

2027 by the Numbers

$20

yearly membership dues required to enroll, per UnitedHealthcare’s plan page

25.5%

UnitedHealthcare Insurance Company’s share of North Carolina Medigap premium in 2024 (NC Dept. of Insurance)

$271.75

monthly Massachusetts Supplement 1A premium from June 1, 2026 (Mass. Division of Insurance)

3

states with their own Medigap designs: Massachusetts, Minnesota and Wisconsin

Most guides to UnitedHealthcare’s Medicare Supplement lineup show one national chart of plan letters. That chart is accurate for most of the country, yet it misses the details that change a buying decision: three states use completely different plan designs, some areas offer network-based SELECT versions, and people under 65 face rules that vary by state.

This page covers those exceptions, using state regulator filings for 2026. If you live in a lettered-plan state and want the core plan comparison, our page on UnitedHealthcare Plan G and our Aetna vs UnitedHealthcare breakdown go further.

✔ Licensed in all 50 states
✔ Based on CMS 2027 data
✔ Free plan comparison

Key Highlights

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In Massachusetts, UnitedHealthcare sells Core, Supplement 1 and Supplement 1A with year-round open enrollment.

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In Minnesota, the lineup is a Basic Plan with five optional riders, plus an Extended Basic Plan.

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SELECT versions with a hospital network exist in some states for a lower premium.

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State insurance reports show how large UnitedHealthcare’s Medigap book is where you live.

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Where the Familiar Letter Chart Applies

In 47 states and Washington, D.C., UnitedHealthcare uses the federally standardized letters. Its plan page lists Plans A, B, G, K, L and N for anyone eligible, with Plans C and F limited to people first eligible for Medicare before 2020. Not every letter is offered in every state, so the quote screen for your ZIP code is the final word.

What stays the same nationwide

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Benefits for a given letter match every other insurer’s version of that letter.

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Coverage travels with you anywhere in the U.S. where a provider accepts Medicare.

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Plans C, F, G and N include foreign travel emergency coverage: 80% after a $250 yearly deductible, up to $50,000 for life.

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None of the plans include prescription drug coverage.

The policies are group coverage. UnitedHealthcare states that enrollment requires membership in its sponsoring organization, which costs $20 a year. That membership is not needed for UnitedHealthcare’s Medicare Advantage or Part D plans.

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Massachusetts: Core, Supplement 1 and Supplement 1A

Massachusetts runs its own Medigap system under a federal waiver. Every carrier sells the same three designs, open enrollment is continuous all year, and premiums are community rated, meaning your age does not set your price. The Massachusetts Division of Insurance publishes every carrier’s rates side by side.

Massachusetts plan UnitedHealthcare monthly premium from June 1, 2026 Rate through May 31, 2026
Core $194.25 $176.75
Supplement 1 (eligible before 2020 only) $349.00 $317.50
Supplement 1A $271.75 $247.25

Source: Massachusetts Division of Insurance Medicare supplement product listing. Rates must stay in effect at least 12 months.

Supplement 1 adds the Part B deductible, so it follows the same pre-2020 rule as Plan F. Supplement 1A is the version open to everyone. Because Massachusetts allows enrollment year-round without health questions, residents can change carriers whenever a better rate appears.

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Minnesota and Wisconsin: Build-Your-Own Designs

Minnesota and Wisconsin also skip the letters. Minnesota’s design lets you start with a Basic Plan and add riders for the pieces you want covered. UnitedHealthcare’s Minnesota materials list these options:

Minnesota option What it adds
Basic Plan Core coinsurance and hospital benefits set by state law
Rider 1 Part A deductible, Part B excess charges and preventive care
Rider 2 Part B deductible; not sold to people newly eligible on or after Jan. 1, 2020
Rider 3 Part A deductible only
Rider 4 Part B excess charges only
Rider 5 Preventive care only
Extended Basic Plan A broader stand-alone design

Riders are available only with the Basic Plan. Source: UnitedHealthcare Minnesota plan materials.

Wisconsin works on a similar idea: a state-defined Basic Plan with optional riders. In both states, compare the total of Basic plus each rider’s cost against a single broader plan, because the riders are priced separately.

SELECT Versions and Buyers Under 65

Medicare SELECT

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Offered by UnitedHealthcare in some states

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Same standardized benefits as the matching letter

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Uses a network of hospitals, and sometimes doctors, for non-emergency care

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Usually a lower premium in exchange for that network

Under 65 with Medicare

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Available in some states for people on Medicare due to disability or ESRD

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Whether a company must sell to you depends on state law

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Plan choices may be limited

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Premiums can be higher than at 65

SELECT trade-off: Outside the network, a SELECT policy may not pay its share for non-emergency care. If you split time between two states, confirm the network covers both before choosing it.

Our guide to Medicare Supplement coverage under 65 explains the state rules that decide whether you can buy at all.

What State Insurance Reports Show About UnitedHealthcare

Insurance regulators publish how much Medigap premium each company collects in their state. Those reports give a rough sense of how established a carrier is locally, which matters for rate history and claims handling. Two examples from 2024 data:

$300.2M

UnitedHealthcare Insurance Company Medigap premium in North Carolina, 2024, second behind the state’s Blue plan

25.5%

Its share of North Carolina’s $1.18 billion Medigap market

Illinois

Policies there are issued by UnitedHealthcare Insurance Company of America, listed separately in state reports

A large book of business in your state does not guarantee low prices. It does mean the company files rates there regularly, so your state insurance department will have a record of past increases you can request.

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Extras That Are Not Part of the Policy

UnitedHealthcare offers wellness extras with some supplement plans, such as discounts on dental, hearing and vision services and gym memberships. Its own disclosures state that these extras are not insurance, are only for insured members, can vary by area and may be discontinued at any time.

Weighing extras: Treat an extra as worth roughly what you would actually spend using it this year. Over a decade, premium differences between carriers almost always outweigh discount programs.

Questions to Settle Before You Apply

1

Confirm your state’s plan design Lettered plans, Massachusetts plans, or the Minnesota or Wisconsin Basic-plus-rider system.

2

Ask whether a SELECT version is sold in your area Then check the network list against the hospitals you use.

3

Check your timing Your six-month open enrollment begins when you are 65 or older and enrolled in Part B; Massachusetts residents can enroll any time.

4

Add the membership dues to the premium Twelve months of premium plus $20 is the true yearly cost before any discounts.

5

Pair it with drug coverage Choose a Part D plan separately; the 2027 out-of-pocket cap is $2,400.

If you are moving from a Medicare Advantage plan back to Original Medicare, read our page on switching from Medicare Advantage to Original Medicare first, since health questions may apply.

Bottom Line

The Bottom Line

UnitedHealthcare Medicare Supplement plans follow the standard letters in most states, but Massachusetts, Minnesota and Wisconsin use their own designs, and SELECT versions and under-65 sales vary by state. Check your state’s design and timing rules first, then compare premiums with the $20 membership included.

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Frequently Asked Questions

➤ What does UnitedHealthcare sell in Massachusetts instead of Plan G?

Massachusetts uses Core, Supplement 1 and Supplement 1A. Supplement 1A is the plan open to anyone, and UnitedHealthcare’s rate for it is $271.75 a month from June 1, 2026.

➤ Can I join UnitedHealthcare’s Massachusetts supplement at any time of year?

Yes. Massachusetts requires continuous open enrollment, so carriers there cannot use health questions to turn you down at any point in the year.

➤ What is Rider 2 on a UnitedHealthcare Minnesota supplement?

Rider 2 adds the Part B deductible to the Basic Plan. Like Plan F, it is not sold to people who became eligible for Medicare on or after January 1, 2020.

➤ Does UnitedHealthcare sell a SELECT supplement where I live?

UnitedHealthcare says SELECT plans are offered in some states. Your ZIP code quote shows whether one is available and which hospitals are in its network.

➤ How much does the membership for a UnitedHealthcare supplement cost?

UnitedHealthcare lists the required membership at $20 a year. It is required for its Medicare Supplement plans but not for its Medicare Advantage or Part D plans.

➤ Is UnitedHealthcare a big Medigap insurer in North Carolina?

Yes. North Carolina Department of Insurance data shows UnitedHealthcare Insurance Company collected about $300 million in Medigap premium in 2024, a 25.5% share, second in the state.

➤ Can someone under 65 buy a UnitedHealthcare Medicare Supplement plan?

In some states. UnitedHealthcare offers plans to people under 65 who have Medicare due to disability or end-stage renal disease where state rules allow it.

➤ Are UnitedHealthcare’s gym and hearing discounts part of my Medigap coverage?

No. UnitedHealthcare describes them as non-insurance extras that can vary by area and may end at any time.

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Medicare Supplement Quotes

Call a Licensed Agent Now

Compare Plan G, Plan N and more from several insurance companies in one call.

☎ 1-855-398-0716

TTY users 711  |  Mon–Fri: 5am–7pm, Sat–Sun: 7am–4pm CT

No obligation to enroll

Find & Compare Plans Online

Speak with a licensed insurance agent

1-855-398-0716TTY 711

Mon-Fri: 8am-9pm ET

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