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UnitedHealthcare Journey HMO

NOTE: This plan may or may not be available to you. Please see your employer benefit information to learn which one of the plan(s) and benefits options are available to you.

Available in California.

Choice of Medical plans through UnitedHealthcare’s CS VEBA Alliance or Harmony HMO networks. The Journey Plan offers a unique approach to health care. In addition to covering everyday medical expenses, the Journey Plan helps members build wealth for long-term protection. That’s part of the Journey Plan difference.

  • First dollar coverage for routine care, like office visits, lab work, X-rays and prescription drugs.

  • Lowest premiums of any plans offered through VEBA.

  • Wealth building with annual deposits to a Gallagher HealthInvest HRA that members can use now or save for later- even after they leave the plan.

Gallagher HealthInvest HRA (health reimbursement arrangement) helps put you in control of your family’s healthcare spending. It’s tax free account that’s easy to use, and a smart way to save up for future medical bills.

Please note some districts offer PHMO3 with the Journey Plan. Please check your plan details if this is an option.

    Plan highlights

    Network coverage

    Only network providers covered

    Primary care provider

    Primary care provider is required

    Copays

    Copay due for certain services and prescriptions

    Savings account options

    Savings account options not offered

    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. 

    Please note that your district offers one of the following plans and networks. To find out which plan and provider network your district is offering, check with your benefits office.

    Stay in the network

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

    Look for the hearts

    UnitedHealth Premium® helps you make informed choices for your medical care. You’ll have access to doctors across multiple specialties who meet UnitedHealth Premium quality care criteria which includes safe, timely, effective, and efficient care.

    View Transcript Opens in a new tab

    The importance of a primary care provider (PCP)

    Primary care provider

    With this plan, you'll need to select a primary care provider (PCP) for yourself and each covered family member. Your PCP is your health guide - coordinating your care, helping you avoid cost surprises and supporting you in achieving your best health.

    If you don't select a PCP by the deadline, one will be selected for you.  But you can always change your PCP anytime at myuhc.com.

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

    View Transcript Opens in a new tab

    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