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Colorado Doctors Plan Early Retirees

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A collaboration between UnitedHealthcare, CommonSpirit Health, AdventHealth, HealthONE and Banner Health. It's a different kind of health plan that focuses on your relationship with your doctor.

With this health plan, you will need to select a primary care provider (PCP) to guide your care, help you avoid cost surprises and support you in achieving your best health. If you need to see a network specialist, you will not need a referral from your PCP.

This plan includes copays - which is the fixed amount you pay each time you see a network provider.  

Colorado Doctors Plan is available to employees living in one of these 11 counties: Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, Morgan and Weld counties.

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We’re here for you, even when you’re away

Traveling for business, away at school or on vacation and need care? Members can find nearby network care by visiting the Doctors plan the Doctors Plan provider directory on myuhc.com® or on the UnitedHealthcare® app and search by location. You have access to the Doctors Plan PCPs, specialists and hospitals in any state — for any eligible service — regardless of your PCP local network selection. 

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. 

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

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

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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