View a plan

High Deductible Health Plan (HDHP) with HSA

With this health plan, you can use any doctor, clinic, hospital or health care facility in the choice network, which saves you money.

If you don’t use a provider from our network, you’ll have to pay for all of the costs. Referrals are not required to see a specialist.

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.

Plan Highlights

Network coverage

Only network providers covered

There's no out-of-network coverage.

If you don't use the network, you'll have to pay for all of the costs.

Primary care provider

Primary care provider is not required

Referrals are required to see a specialist.

You won't have coverage if you use an out-of-network provider or if you see a specialist without an electronic referral from your PCP.

Savings account options

Health savings account (HSA) offered

The doctors and facilities in our network have agreed to provide services at a discount, which may help lower your health care costs - that's why searching for network providers makes good sense.

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. Finding providers in the network is easy when you use Provider Search.

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.

Primary care provider

While this plan does not require you to have a primary care provider (PCP), 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 PCP - just go to Provider Search to get started.

Choosing your Primary Care Provider
Click on the Provider Search link above to find the network for your selected plan.

Then follow these steps:

Under “What type of Medical Care can we help you find near”, click Change Location, fill in your location information, and click Update Location.
Under “Find Health Care by Category”, select People > Primary Care > All Primary Care Providers to see a listing of PCPs.
Scroll through the listing and select the name of the network PCP you'd like to coordinate your care.
Click on the PCP’s name for the 14-digit Provider ID number — write it down so that you can provide that information when you enroll.

Important: For health plans requiring a PCP, a PCP will be selected for you and your covered family members if you don’t pick one by the enrollment deadline. You can change your PCP anytime at myuhc.com.

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.

Enjoy tax advantages

Deposits are exempt from both federal and state income tax.

Your savings grow tax free.

Money you spend on eligible health care expenses is income tax free.

Use your account easily

Use money in your HSA to pay for qualified medical 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
As defined by the IRS, to be eligible for an HSA you:

Must be covered under a qualifying high-deductible health plan (HDHP) on the first day of the month.
Must not have other health coverage except what is permitted by the IRS.
Must not be enrolled in Medicare, TRICARE or TRICARE for Life.
Cannot be claimed as a dependent on someone else’s tax return.
Have not received Veterans Affairs (VA) benefits within the past three months, except for preventive care. If you have a disability rating from the VA, this exclusion doesn’t apply.

Other restrictions and exceptions may apply. We recommend you consult a tax, legal or financial advisor to discuss your personal circumstances.

Services Covered

With this plan, preventive services are covered at 100% in the network. Here's a partial list of what's covered; for the full list, please refer to your official plan documents.

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 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.

Certain preventive care items and services, including immunizations, are provided as specified by applicable law, including the Patient Protection and Affordable Care Act (ACA), with no cost-sharing to you. These services may be based on your age and other health factors. Other routine services may be covered under your plan, and some plans may require copayments, coinsurance or deductibles for these benefits. Always review your benefit plan documents to determine your specific coverage details.

All UnitedHealthcare members can access a cost estimate online or on the mobile app. None of the cost estimates are intended to be a guarantee of your costs or benefits. Your actual costs may vary. When accessing a cost estimate, please refer to the Website or Mobile application terms of use under Find Care & Costs section.

Fraud and abuse: Please notify the Plan of any fraudulent activity regarding Plan members, providers, payment of benefits, etc. Call 1-888-364-6352.

High Deductible Health Plan (HDHP) with HSA

Plan Highlights

Find a network doctor

Network coverage

Look for the hearts

Primary care provider

Choosing your Primary Care Provider Choosing your Primary Care Provider

Health Savings Account

Save today, spend whenever

Enjoy tax advantages

Use your account easily

HSA eligibility requirements HSA eligibility requirements

Services Covered

Choosing your Primary Care Provider

HSA eligibility requirements