Untreated Hearing Loss Can Be Devastating

The following article from the Chicago Tribune tells how hearing loss can create life-altering anguish for aging parents and their extended families, most of which can be avoided or greatly diminished by testing and treatment.

Louise Andrew: I watched male loved ones deny their hearing loss. Left untreated, it devastated their lives.

Purging closets bursting with hideous ties reminded me of how difficult it is to “gift” a father with something of value on Father’s Day.

I had a very close relationship with my father and both grandfathers, who supported and protected me always. Fatherly and grandfatherly support is a profound gift for any daughter or granddaughter. I am eternally grateful for these mentors and wish their loving influence had persisted longer.

All my fathers had excellent longevity. But what could have helped them to live even longer, more engaged and fuller lives? Here is what I wish I had given them: Release from the need to appear to be consistently strong, self-sufficient and invincible. The ability to acknowledge and adapt to advancing age and associated infirmities and the courage to admit the inability to solve every problem alone. I wish I could have gifted them the willingness to seek and use help when indicated. To release them from a belief that seeking help means you are “less of a …,” whatever it is, that you feel you must always and consistently be, as a father and as a man.

The gift I would bestow on all fathers is the courage to address the curse that took the intellect of my father, one grandfather and my father-in-law: age-related hearing loss, also known as ARHL. Not being able to hear or properly process information made these men first defensive, then blameful, isolated and in denial. Eventually it rendered them less companionable and less interesting to people around them, ignored and, ultimately, avoided by those who might have helped them prevent the dementia that resulted from ARHL.

More than 460 million people worldwide suffer from disabling hearing loss, according to the World Health Organization. In the U.S., hearing loss affects one-third of those 65 to 74 years old and nearly half of those older than 75, the National Institute on Deafness and Other Communication Disorders reports. ARHL is the most common remediable cause of cognitive impairment, falls and depression. Johns Hopkins researchers found up to a fivefold increased risk in older adults of developing cognitive impairment, including dementia, when significant hearing impairment remains unaddressed.

Although I owe all of my education to my financially astute grandfather, his stubborn refusal to address hearing loss ultimately led to social isolation. As fresh memories faded, repetition of the same stories made him less engaging and, ultimately to some, the object of derision. The exact same denial in my once-gregarious father led to ostracism in his retirement community, contributing to his death by a stroke after multiple falls. My even more sociable father-in-law developed a form of dementia that was completely surgically curable, but the hearing loss he refused to address made him so uninteresting to be around that no one realized what was happening until it was too late for surgery.

By contrast, my physician grandfather, who used hearing aids, practiced medicine until he died at 81.

If you have ARHL, you may be thinking, “If everyone would just come closer, put down their gadgets, look directly at me, stop mumbling and enunciate more clearly, there would be no problem.” Right?

Wrong. Incoming students in an audiology program were required to wear earplugs for their first three days. That first day, they could ask people to repeat what they had said. By the second, students noticed their interactions became shorter and terser. By the third, people actively began to avoid them. These “hearing impaired” students were essentially being isolated. This same sequence occurs even in close and long-term relationships, albeit more gradually.

If you are beginning to experience hearing loss, your loved ones are sympathetic and supportive at first. ARHL is a disability, and it’s probably not your fault. But as it becomes more difficult to make ourselves understood, we are less likely (when communication is not truly essential) to make an effort. If we’ve brought the hearing issue up many times before, and you do not respond, you begin to seem more stubborn than fragile. ARHL is easily addressed, and yet, to a loved one, your denial of it feels as if you don’t care about your own well-being, the health of our relationship or the happiness or even safety of those who love and may depend on you.

If your father is one of the 500 million worldwide with hearing loss, try this gift: Remind him that you love him dearly and want him as a trusted adviser for as long as humanly possible. Urge him to have his hearing tested and to get hearing aids if indicated. These devices are both effective and almost invisible, and effective alternatives are also available over-the-counter.

The author, Louise Andrew, is a physician attorney, and disability rights advocate.

Consider making a free hearing ability test for your loved one.

United Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costsUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costsUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost betweenUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

00-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, (United Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up toUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
    • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
    • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
    • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
    2. Impact on Patients:
    • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
    • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
    • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
    3. Provider Concerns:
    • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
    • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
    4. Profit Motives and Corporate Practices:
    • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
    • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
    • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
    5. Legal and Regulatory Scrutiny:
    • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
    • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
    Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month. The good news: 
    • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
    • Widest access to health providers. Only a small group of medical services require prior authorization.
    The bad news:
    • Premium for supplemental policy is more than for Advantage Plans
    • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
    Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
    • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
    • Prior authorization: required for many services, which can delay or even prevent needed care.
    • Travel limitations: May not offer coverage outside their service area.
    • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
    • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
    While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 4,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost betweenUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costsUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost betweenUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

00-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, (United Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up toUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
    • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
    • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
    • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
    2. Impact on Patients:
    • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
    • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
    • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
    3. Provider Concerns:
    • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
    • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
    4. Profit Motives and Corporate Practices:
    • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
    • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
    • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
    5. Legal and Regulatory Scrutiny:
    • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
    • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
    Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month. The good news: 
    • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
    • Widest access to health providers. Only a small group of medical services require prior authorization.
    The bad news:
    • Premium for supplemental policy is more than for Advantage Plans
    • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
    Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
    • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
    • Prior authorization: required for many services, which can delay or even prevent needed care.
    • Travel limitations: May not offer coverage outside their service area.
    • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
    • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
    While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 4,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

00-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, (United Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costsUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost betweenUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

00-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, (United Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older.

The allegations United Healthcare include:

1. Claim Denials and Prior Authorization:

  • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
  • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
  • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.

2. Impact on Patients:

  • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
  • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
  • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.

3. Provider Concerns:

  • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
  • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.

4. Profit Motives and Corporate Practices:

  • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
  • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
  • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.

5. Legal and Regulatory Scrutiny:

  • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
  • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.

Understanding Traditional Medicare vs. Advantage Plans

Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month.

The good news: 

  • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
  • Widest access to health providers. Only a small group of medical services require prior authorization.

The bad news:

  • Premium for supplemental policy is more than for Advantage Plans
  • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.

Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover.

The good news:

Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up toUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
    • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
    • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
    • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
    2. Impact on Patients:
    • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
    • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
    • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
    3. Provider Concerns:
    • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
    • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
    4. Profit Motives and Corporate Practices:
    • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
    • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
    • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
    5. Legal and Regulatory Scrutiny:
    • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
    • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
    Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month. The good news: 
    • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
    • Widest access to health providers. Only a small group of medical services require prior authorization.
    The bad news:
    • Premium for supplemental policy is more than for Advantage Plans
    • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
    Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
    • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
    • Prior authorization: required for many services, which can delay or even prevent needed care.
    • Travel limitations: May not offer coverage outside their service area.
    • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
    • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
    While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 4,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

85/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare.

The bad news:

  • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
  • Prior authorization: required for many services, which can delay or even prevent needed care.
  • Travel limitations: May not offer coverage outside their service area.
  • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up toUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
    • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
    • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
    • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
    2. Impact on Patients:
    • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
    • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
    • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
    3. Provider Concerns:
    • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
    • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
    4. Profit Motives and Corporate Practices:
    • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
    • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
    • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
    5. Legal and Regulatory Scrutiny:
    • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
    • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
    Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costsUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
    • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
    • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
    • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
    2. Impact on Patients:
    • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
    • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
    • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
    3. Provider Concerns:
    • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
    • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
    4. Profit Motives and Corporate Practices:
    • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
    • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
    • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
    5. Legal and Regulatory Scrutiny:
    • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
    • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
    Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month. The good news: 
    • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
    • Widest access to health providers. Only a small group of medical services require prior authorization.
    The bad news:
    • Premium for supplemental policy is more than for Advantage Plans
    • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
    Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
    • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
    • Prior authorization: required for many services, which can delay or even prevent needed care.
    • Travel limitations: May not offer coverage outside their service area.
    • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
    • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
    While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 85 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost betweenUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
    • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
    • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
    • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
    2. Impact on Patients:
    • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
    • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
    • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
    3. Provider Concerns:
    • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
    • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
    4. Profit Motives and Corporate Practices:
    • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
    • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
    • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
    5. Legal and Regulatory Scrutiny:
    • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
    • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
    Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month. The good news: 
    • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
    • Widest access to health providers. Only a small group of medical services require prior authorization.
    The bad news:
    • Premium for supplemental policy is more than for Advantage Plans
    • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
    Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
    • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
    • Prior authorization: required for many services, which can delay or even prevent needed care.
    • Travel limitations: May not offer coverage outside their service area.
    • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
    • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
    While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 00-$200/month. The good news: 
    • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
    • Widest access to health providers. Only a small group of medical services require prior authorization.
    The bad news:
    • Premium for supplemental policy is more than for Advantage Plans
    • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
      Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, (United Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
    • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
    • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
    • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
    2. Impact on Patients:
    • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
    • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
    • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
    3. Provider Concerns:
    • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
    • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
    4. Profit Motives and Corporate Practices:
    • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
    • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
    • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
    5. Legal and Regulatory Scrutiny:
    • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
    • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
    Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month. The good news: 
    • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
    • Widest access to health providers. Only a small group of medical services require prior authorization.
    The bad news:
    • Premium for supplemental policy is more than for Advantage Plans
    • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
    Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
    • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
    • Prior authorization: required for many services, which can delay or even prevent needed care.
    • Travel limitations: May not offer coverage outside their service area.
    • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
    • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
    While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 85/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
    • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
    • Prior authorization: required for many services, which can delay or even prevent needed care.
    • Travel limitations: May not offer coverage outside their service area.
    • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up toUnited Healthcare is the nation’s largest provider of Medicare Advantage plans, with more than eight million customers, according to the Associated Press. These are privatized versions of the federal government program, mostly for people aged 65 and older. The allegations United Healthcare include: 1. Claim Denials and Prior Authorization:
      • High Denial Rates: UHC, like other large insurers, faces criticism for denying claims and requiring prior authorizations, leading to delays and difficulties in accessing necessary medical care.
      • Algorithms and AI: UHC has been accused of using algorithms and AI-driven tools to deny claims, sometimes leading to wrongful denials.
      • Retroactive Denials: UHC has been criticized for retroactively denying claims, leaving patients responsible for bills they thought were covered.
      2. Impact on Patients:
      • Unexpected Bills: Claim denials and coverage disputes can leave patients with large, unexpected medical bills.
      • Difficulty Accessing Care: Prior authorization requirements and network limitations can make it challenging for patients to see specialists or receive timely treatment.
      • Stress and Anxiety: Dealing with claim denials and appeals can be a stressful and time-consuming process for patients.
      3. Provider Concerns:
      • Contract Disputes: UHC has faced criticism for its contracting practices with healthcare providers, including disputes over reimbursement rates and network participation.
      • Administrative Burden: Prior authorization requirements and claim denials can create administrative burdens for providers.
      4. Profit Motives and Corporate Practices:
      • Prioritizing Profits: Critics argue that UHC, like other for-profit insurers, prioritizes profits over patient care.
      • Anti-competitive Practices: UHC has been accused of engaging in anti-competitive practices that limit patient choice and increase costs.
      • Lack of Transparency: Concerns have been raised about UHC’s lack of transparency in its claims processing and decision-making.
      5. Legal and Regulatory Scrutiny:
      • Lawsuits and Investigations: UHC has faced lawsuits and investigations related to claim denials, billing practices, and the use of AI in healthcare.
      • Government Oversight: Government agencies, like the Centers for Medicare & Medicaid Services (CMS), have scrutinized UHC’s practices.
      Understanding Traditional Medicare vs. Advantage Plans Traditional Medicare is operated by the government. Most people receive Medicare Part A (hospital insurance) for free. Part B (medical insurance) typically costs $185 per month (may be higher depending upon your income), and covers 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. Generally, they pay 80% of your health care costs. To cover the remaining 20%, you must buy a Medigap or supplemental policy. In general, most supplemental G plans (the most popular), cost between $100-$200/month. The good news: 
      • Out-of-pocket costs. Are generally limited to the annual Part B deductible, which is $257 in 2025.
      • Widest access to health providers. Only a small group of medical services require prior authorization.
      The bad news:
      • Premium for supplemental policy is more than for Advantage Plans
      • You still have to buy a separate drug plan (Part D). In 2025 it is estimated to be approximately $46.50 per month.
      Advantage Plans are operated by private insurance companies that contract with Medicare. They may offer additional benefits (dental, vision, hearing) that traditional Medicare does not cover. The good news: Although you still must pay your monthly cost for traditional Medicare, ($185/month), the Advantage plan premiums are much lower, and sometimes, free. They usually include drug coverage (Part D) which is extra in Traditional Medicare. The bad news:
      • Limited provider networks: Typically enrollees must use doctors, hospitals, and other healthcare providers within a specific network.  Going out-of-network can mean higher costs or no coverage at all.
      • Prior authorization: required for many services, which can delay or even prevent needed care.
      • Travel limitations: May not offer coverage outside their service area.
      • Higher costs: Although they may have lower premiums, they also have higher co-payment, deductibles, and out of pocket maximums (In 2025, the out-of-pocket maximum for Medicare Advantage is plans is $9,350 for in-network services. Some plans may have lower out-of-pocket limits, and those that allow out-of-network coverage may have a higher out-of-pocket maximum. For combined in-network and out-of-network services, the maximum can be up to $14,000 in 2025.
      • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
      While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 4,000 in 2025.
    • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.
    While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers. The bottom line: Be careful what you wish for and read the fine print 4,000 in 2025.
  • Denial of service: Some Medicare Advantage plans have been reported to delay or deny coverage for medically necessary care.

While Medicare Advantage plans may have lower premiums, they can also have higher copayments, deductibles, and out-of-pocket maximums, especially if you use out-of-network providers.

The bottom line: Be careful what you wish for and read the fine print

We Bring Hearing Back

Everyone feels happier and more comfortable when they are recognized by their environment for their individuality, which is why Starbucks’ new location is so important.

This location is not just another coffee shop in Washington D.C. It may be another Starbucks, but the sign is spelled S-T-A-R-B-U-C-K-S in the hand symbols for American Sign Language (ASL).

The stores is run by 24 deaf, hard-of-hearing and hearing employees and the store is designed towards accessibility and generating employment prospects for the deaf community.

In addition to the workers, the store has been specifically modeled to celebrate deaf culture. One wall is covered by a mural by Tiqiao Wang, a deaf artist who is a prominent member of the Gallaudet University faculty, which is just blocks away.

While exclusively employing staff who are all conversant in ASL, their focus on accessibility of technology and service is unparalleled. The store was modeled to maximize natural lighting and lines of sight, keeping in mind the needs of the hard-of-hearing.

Adam Novsam, a Starbucks utility analyst, was given a tour two nights before the store was set to open. As he walked down H Street to see the vibrant colors of the mural which celebrates deaf culture, he said, “The vibrancy moved me. It made me stop in my tracks. And it gave me tears.”

For the full story, click here.

hearing health centerEmployees take an order at Starbucks first U.S. signing in D.C. (Joshua Trujillo/Starbucks)

 

GROUP HONORED FOR “LEADING WITH THEIR HEART”

 

Chamber of Commerce honors Highland Park business and community leaders for “building communal values and taking time to kindle a collective optimism in the lives of their neighbors.”

 

Story appears in the Highland Park Chamber’s 2018 Community Guide.

Naperville Mayor Steve Chirico helped christen the new offices for Hearing Health Center in the Fox Run Square shopping center on October 24, but not before receiving a clean bill of hearing.

 

Just prior to his thanking Hearing Health Center’s founder, Dr. Ronna Fisher, for 33 years of support in the Naperville community, Chirico had his own hearing checked by Dr. Ning Jing, a longtime Naperville resident celebrating his 15th year with the practice.

 

A special guest at the evening’s ribbon cutting ceremony, open house and hearing tech expo, Chirico admitted he hadn’t had a hearing checkup since grade school. “I’m surprised that doctors don’t test hearing,” he said. “They take our blood pressure, check our cholesterol, and run a myriad of other tests. Why don’t they check our hearing?

 

They will soon if Fisher has anything to say about it. As one of the nation’s foremost audiologists, Fisher has been advocating for incorporating hearing tests in yearly physicals for years.

 

“The problem is that most people don’t have any trouble communicating in a nice quiet room, three feet from their doctor, with no background noise,” Fisher Explains. “Patients don’t mention it and doctors don’t pick up on it or think to ask.”

 

New research links memory, early dementia and increased falls to hearing loss.  When the brain does not receive all of the sound stimulation it should, the ability to process and understand speech deteriorate, and it gets worse the longer treatment is delayed.  Early detection and using hearing aids, the only treatment for 95% of all hearing loss, is key.

 

“Hearing aids today are virtually invisible,” said Hearing Health Center patient Walter Jacobson, the legendary WBBM-TV news anchorman and reporter who attended the Naperville grand opening.  “I thought I heard fine until I missed an important part of a conversation.  When I got hearing aids, I was shocked.  I had no clue I was missing so much.  They changed my life.”

 

Hearing Health Center opened in Edward Hospital 33 years ago.  Today there are five additional locations in Chicago, Highland Park, Oak Brook and Resurrection Hospital in Park Ridge.

 

Fisher is also the founder of The Fisher Foundation for Hearing Health Care, a nonprofit that provides hearing aids to her patients, and anyone unable to pay for treatment. Today the focus of the foundation is helping children with brain cancer that have permanent hearing loss from the treatment that saved their lives.

 

“These families are financially drained,” explained Fisher. “Their child is frustrated, angry and starting to lag behind.  If they don’t get hearing aids immediately they will be behind the rest of their lives.  They have no support and nowhere to turn.  Thankfully, our foundation is there to help.

 

Festivities on October 24 included demonstrations, hearing tests, brain processing evaluations, and otoscopy, enabling guests to see inside their ear canals. In addition, leading manufacturers in the hearing aid industry—Starkey, Signia/Siemens, Oticon, Widex, Resound, and Phonak—were all on hand offering demonstrations of their latest hearing aid technology.

 

Hearing loss occurs slowly and may not be a problem all the time.  Difficulty understanding words and parts of conversations in noisy environments or from a distance are the first indication of hearing loss, which now affects Americans as early as in their 40’s.  That is the time to get it checked.

 

Mayor Chirico is tested by Dr. Jing

“People wait far too long to see a professional licensed audiologist,” added Fisher. “The longer your brain gets mixed up information, then your ability to process speech deteriorates. I can help you hear; I cannot fix your brain.”

 

Fortunately, the evening included some positive news for Naperville’s Mayor Chirico. “Good news for the City of Naperville,” Fisher announced to the crowd just before the ribbon cutting.  “Mayor Chirico’s hearing is great and his brain processing is spot on!  Dementia is nowhere in sight so he can be mayor for a long time.”

 

 

Visit our Facebook page for more photos from our fantastic celebration!

The Jam’s Danielle Robay sits down with Dr. Ronna Fisher from the Hearing Health Center to get details on a particular hearing loss, and to make people aware of these happenings at an early age.

Watch the video here: http://www.wciu.com/videos/thejam/early-hearing-loss-concerns

Walter Jacobson sits down with Dr. Ronna Fisher of Hearing Health Center.

Visit our website: hearinghealthcenter.com

Please see the original article published here: 

http://www.dhbusinessledger.com/article/20170402/business/170409846/

 

 

Audiologist serves the poor, celebrities for hearing health

 

 

 

Dr. Ronna Fisher, founder and audiologist with the Hearing Health Center, has worked with some of the biggest names in the music industry, including Lady Gaga, Kenny Rogers and Roger Daltrey.

 

She fits the musicians and singers with ear monitors, so they can regulate what they hear on stage during their performances. She does that by making impressions inside the ear with a pliable material so the custom fit allows the monitor to fit well.

 

Fisher often goes to Chicago area music venues when doing ear monitors.  But in the case of Hall of Fame rocker Roger Daltrey, lead singer of The Who, she went to his suite at the Ritz Carlton in downtown Chicago.

 

“I was joking and asked him ‘Are you deaf,’ and his whole entourage nodded their heads,” laughed Fisher, 62.  “I then asked him when was his last hearing test.”

 

For 33 years, Fisher has been working with adults and children around the suburbs by providing hearing tests and hearing aids.  She now has five offices in Naperville, Oak Brook, Highland Park and two in Chicago.  She said many people lose their hearing for various reasons, including long-term exposure to loud noise, age and certain medications.

 

As for Daltrey, he went to Fisher for a hearing test and was fitted with an aid about 3 years ago.  Since then, Daltrey returns to her for a check up whenever he’s in town, she said.

 

 

Fisher, who was born and raised in Pittsburgh, Pennsylvania, grew up while her father exhibited hearing problems.  That’s what led her to become an audiologist. Besides local residents and the occasional celebrity, Fisher helps those who cannot afford to get a tests or aids through her Fisher Foundation for Hearing Health.  “I’ve been in this business for 33 years and I still want to help people,” she said.