HOW YOUR MEDICAL COVERAGE WORKS
We offer a choice of two high-deductible health plans (HDHPs) that include a tax-advantaged health savings account (HSA), as well as a traditional health plan (Choice Plus Plan):
- HDHP Core Plan
- HDHP Value Plan
- Choice Plus Plan
To see how the three plans compare, download the 2020 plan comparison table. While our plans differ in how costs are shared, they work in much the same way.
2. Your Coinsurance
Once you meet your deductible, the plan will begin to pay a share and you will pay a share of expenses. You’ll always pay less when you stay in the network. If you go out of the network, you pay more.
3. Your Out-of-Pocket Limit
Once you reach your out-of-pocket limit, the plan will pay 100 percent of eligible expenses for the rest of the year.
If you have family coverage, your deductible consists of two components — an individual and family. The individual deductible and out-of-pocket limit are embedded in the family deductible. So if one family member meets the individual deductible, the plan will pay — and the family member will begin to pay coinsurance for care in the network — before the family deductible is met. The same is true for the out-of-pocket limit.
Working with the right doctor — including a primary care physician who knows you and your health history — is one of the most important things you can do to maintain good health and well-being. UnitedHealthcare makes it easier to find doctors who are recognized for delivering quality, cost-efficient care with the UnitedHealth Premium® Program.
Premium Care Providers are more likely to give you the care you need, with:
- Fewer complications.
- Fewer do-over surgeries.
- Fewer unnecessary lab tests, MRIs and medications.
To find a Premium provider near you, look for two blue hearts next to their name on myuhc.com®.
Avoid unexpected financial surprises. Estimate out-of-pocket costs — and even price shop — before you go to the doctor. Your estimate shows out-of-pocket expenses based on your plan and current benefit status.
Log in to myuhc.com and choose Find a Doctor. Once you find a doctor, click View All Services and Costs.