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Choice Plus Plan with an HRA

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 Health Reimbursement Account (HRA) — an account funded by your employer to help you pay for medical expenses.

Summary

Network coverage

Both network and out-of-network providers covered

Primary care provider

Primary care provider is not required

Copays

No copay on services or prescriptions

Savings account options

Health reimbursement account (HRA) 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?

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.

Having a PCP to help guide and coordinate your care is important whether or not the health plan you select requires one.

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.

Having a PCP to help guide and coordinate your care is important whether or not the health plan you select requires one.

Health Reimbursement Account

This plan comes with a health reimbursement account (HRA)  — an account owned and funded by your employer to help you pay for medical expenses. As long as you have money in your HRA, you can use it to help pay for qualified out-of-pocket expenses — like doctor visits, lab work, and more.

How your HRA works
Using the money in your HRA is easy.

Your HRA automatically pays for eligible medical expenses first, including deductibles. As long as money is available in your HRA, you won't pay any health care expenses.
If all the money in your HRA is spent, you will need to pay for your covered services until your plan's out-of-pocket limit is met.    
To help you see how and to whom claims have been paid, you'll have access to a monthly Health Statement. You'll also be able to find balances and claim activities on myuhc.com.

Unspent HRA money may rollover to the next plan year. Please check with your employer.

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Choice Plus Plan with an HRA

Summary

Network coverage

Primary care provider

Copays

Savings account options

Network coverage

Are your providers in network?

Stay in the network

Look for the hearts

The importance of a primary care provider (PCP)

Primary care provider

Choosing your Primary Care Provider

The importance of a primary care provider (PCP)

Health Reimbursement Account

How your HRA works

Choice Plus Plan with an HRA

Summary

Network coverage

Primary care provider

Copays

Savings account options

Network coverage

Are your providers in network?

Stay in the network

Look for the hearts

The importance of a primary care provider (PCP)

Primary care provider

Choosing your Primary Care Provider Choosing your Primary Care Provider

The importance of a primary care provider (PCP)

Health Reimbursement Account

How your HRA works How your HRA works

Choosing your Primary Care Provider

How your HRA works