UHC Choice Plus CDHP 3500

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.

This plan features a Heath Savings Account (HSA) - a personal bank account that lets you put money aside, tax-free, to save and pay for qualified medical expenses. 

Compare to help find the right health plan

Our comparison chart helps you find your best fit by listing important plan benefits side-by-side.

Plan highlights

Network coverage

Both network and out-of-network providers covered

Primary care provider

Primary care provider is not required

Copays

No copay on services or prescriptions

Savings account options

Health savings account (HSA) 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. 

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.

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

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. 

Health Savings Account

This plan comes with an opportunity to open up a health savings account (HSA) — a bank account where you can put money aside, tax-free, to save and pay for eligible health care expenses.

Save today, spend whenever

  • Spend your HSA money on eligible health expenses now.
  • Build up your HSA savings and use it later. 
  • Your savings can be carried over year to year, even if you change jobs, health plans, or retire.

Enjoy tax advantages

  • Money you deposit is federal income tax-free.  
  • Your savings grow income tax-free. 
  • Withdrawals for qualified health care expenses are income tax free.

Use your account easily

  • Use money in your HSA to pay for qualified health care expenses. 
  • Pay bills online or pay with checks linked to your HSA.
  • Upload receipts and store them in your own online receipt vault.
  • HSA eligibility requirements

  • Pay for qualified expenses

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.

The UnitedHealthcare plan with Health Savings Account (HSA) is a qualifying high deductible health plan (HDHP) that is designed to comply with IRS requirements so eligible enrollees may open a Health Savings Account (HSA) with a bank of their choice or through Optum Bank, Member of FDIC. The HSA refers only and specifically to the Health Savings Account that is provided in conjunction with a particular bank, such as Optum Bank, and not to the associated HDHP.