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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.
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
Medical annual deductibles and out-of-pocket limits
Medical costs - copays ($) and coinsurance (%)
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?
Stay in the network
To help save on costs, choose care and services from within our network.
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.
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.
Health Savings Account
This plan comes with an opportunity to open up a health savings account (HSA) — a bank account with Optum Bank® where you can put money aside, tax-free, to help you 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.
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.
Health savings accounts (HSAs) are individual accounts offered by Optum Bank, and are subject to eligibility and restrictions, including but not limited to restrictions on distributions for qualified medical expenses set forth in section 213(d) of the Internal Revenue Code. State taxes may apply. Fees may reduce earnings on account. This communication is not intended as legal or tax advice. Please contact a competent legal or tax professional for personal advice on eligibility, tax treatment and restrictions. Federal and state laws and regulations are subject to change.
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