North Carolina Erickson Advantage Champion/Guardian Plans

Medicare Advantage Special Needs Plans (SNPs) insured through UnitedHealthcare are offered to residents of Erickson Retirement Communities. These SNP plans combine the hospital and doctor coverage of Medicare Parts A and B with Part D prescription drug coverage, plus additional benefits and services designed to meet the unique needs of identified Medicare consumer populations. These plans do not require referrals for specialty care.

Erickson Advantage Champion (HMO-POS C-SNP) is a Medicare Advantage Chronic Condition SNP that provides specialized benefits and services for Medicare beneficiaries with chronic conditions such as diabetes, heart failure and/or cardiovascular disorders. Members choose their primary care provider (PCP) and may go outside the covered network for covered health care services - typically at a higher cost.

Erickson Advantage Guardian (HMO-POS I-SNP) is a Medicare Advantage Institutional SNP that provides specialized benefits and services for Medicare beneficiaries who live in an Erickson nursing home. Members choose their primary care provider (PCP) and may go outside the contracted network for covered health care services - typically at a higher cost.

Health Maintenance Organization (HMO) plans use a network of contracted local physicians and hospitals to provide member care. Generally, members must use these care providers to receive benefits for covered services, except in emergencies.

Point of Service (HMO-POS) plans include all the features of HMO plans plus the ability to go outside the contracted network for certain health care services - typically at a higher cost.

Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract. Enrollment in the plan depends on the plan's contract renewal with Medicare.