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HDHP Choice Plus In/Out of Network

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With this plan, you can use any doctor, clinic, hospital or health care facility you want in our national network. 

There’s coverage if you need to go out of the network. However, seeing an out-of-network provider will likely cost you more. If you need to see a specialist, a referral is not required.  

Preventive care is covered 100 percent in the network. You don't have to pay any out-of-pocket costs for age-appropriate preventive care as long as you use a network doctor.

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Plan highlights

Network coverage

Both network and out-of-network providers covered

Primary care provider

Primary care provider is not required

Copays

Copay due for certain services and prescriptions

Savings account options

Savings account options not offered

Medical annual deductibles and out-of-pocket limits

  • Deductible amounts

  • Out-of-pocket limits

  • Deductible amounts

  • Out-of-pocket limits

Medical costs - copays ($) and coinsurance (%)

  • Doctors and specialists

  • Virtual, urgent and emergency care

  • Doctors and specialists

  • Virtual, urgent and emergency care

Network coverage

Network coverage plays a big part in delivering you cost savings and quality care. With the network, you'll have access to a group of health care providers and facilities that have a contract with UnitedHealthcare. 

Are your providers in network?

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Stay in the network

To help save on costs, choose care and services from within our network.

Look for the hearts

To help you find quality and cost-efficient doctors, the
UnitedHealth Premium® program fully evaluates doctors in various specialties.

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The importance of a primary care provider (PCP)

Primary care provider

This plan does not require you to have a primary care provider (PCP), but choosing one for yourself and each covered family member is highly recommended. Your PCP is your health guide - coordinating your care, helping you avoid cost surprises and supporting you in achieving your best health. 

  • It's easy to find and choose a network Primary Care Provider

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The importance of a primary care provider (PCP)

Having a PCP to help guide and coordinate your care is important whether or not the health plan you select requires one. 

Copays and cost sharing

Most health plans share the same idea: there's how much you pay for the cost of care, when you pay for it, and what percentage of those costs you and your plan share. It can all be a little confusing, especially when you add in words like "deductible" and "copay".

To make it easier, here's an example of how health plans work.

At the start of your health plan year...

You're responsible for paying 100% of the costs for covered health care, up until you reach your deductible. The deductible is the amount you pay before the plan starts sharing costs. Age appropriate preventive care is covered 100% as long as you use a network provider.

About COPAYS...

Some health plans have a copay, which is a fixed amount you pay each time you see a provider or purchase a prescription. Because copays don't count toward your deductible, you're responsible for paying 100% of your copay up until you reach your out-of-pocket limit.

When you reach your DEDUCTIBLE

Coinsurance kicks in and your health plan starts sharing a percentage of these costs with you, up until you reach your out-of-pocket limit.

When you reach your OUT‑OF‑POCKET LIMIT

The most you'll have to pay for the costs of health care in a plan year is your out-of-pocket limit. Once this limit is reached, your health plan covers you at 100% for the rest of the plan year.

Services covered in the network

Here's a partial list of your coverage:

  • Preventive Care Services
  • Doctor Office Visits and Labs
  • Emergency and Outpatient Care
  • Mental Health and Substance Disorder Service
  • Pregnancy and Newborn Care
  • Health and Wellness

The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at myuhc.com®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. You should also discuss designations with a physician before choosing him or her. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com for detailed program information and methodologies.