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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.
*Please note: Individual = Employee
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.
Flexible Spending Account
This plan offers flexible spending account (FSA) options through your employer. With an FSA, you can set aside money to help pay for eligible expenses. You don’t pay taxes on the amount you contribute, which helps save you money.
Preventive services are covered in the network
Here's a partial list of your coverage:
- Doctor Office Visits and Labs
- Emergency and Outpatient Care
- Mental Health and Substance Disorder Service
- Pregnancy and Newborn Care
- Health and Wellness
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