PLAN HIGHLIGHTS You can use any doctor or hospital in our network. You save money when you choose doctors (including specialists), hospitals and pharmacies in our network. They’ve agreed to charge lower rates. If you receive care outside of our network, the plan will not cover the cost. Emergencies are covered anywhere in the world. You do not need referrals. You are not required to choose a primary care physician, but it helps to have one. And if you need to see a specialist, you can do so without a referral. Your preventive care is covered. The health care reform law requires the coverage of certain preventive services, based on your age, gender and other health factors, with no cost-sharing. UnitedHealthcare covers preventive services, as specified in the health care reform law, at 100 percent without charging a copayment, coinsurance or deductible, as long as they are received in the network. UnitedHealthcare also covers other routine services, which may require a copayment, coinsurance or deductible. You have coverage for a wide range of prescriptions. You can fill your prescriptions through one of our 60,000 + retail network pharmacies across the U.S. If you have our mail-order service, you may save money with a three-month medication supply, which is mailed to you at no additional cost. You have coverage for a routine vision exam. You and your covered dependents are eligible for one routine vision exam, which must be done at a network eye clinic. See your benefit plan documents for all of the coverage details. HOW THE PLAN WORKS 1. You will pay a copayment, coinsurance and/or deductible for covered expenses. This will not apply for eligible preventive care expenses. 2. You may be required to receive approval before you can receive certain services from network doctors or hospitals. Without it, you could be responsible for the entire cost of the care. 3. You are protected with an out-of-pocket maximum, which is the most you will have to personally pay in the plan year for covered services. The plan will then pay 100 percent of all remaining covered expenses for the rest of the plan year. Copayments are usually not included in the out-of-pocket maximum and must still be paid. See your benefit plan documents for all of the coverage details. PERSONAL SERVICES AT NO EXTRA COST 24-hour registered nurses You can call a nurse for help anytime. They can help answer important questions, direct you to network doctors and even schedule appointments. Healthy Pregnancy Program We can help soon-to-be-mothers through every stage of their pregnancy and delivery. We will check for risks, share healthy baby tips, and keep you informed by phone and newsletter. Employee Assistance Program Life can bring challenges and serious problems. Our counselors are here to help with depression, stress, relationship problems, alcohol or drug abuse, money problems and coping with grief or loss. And they keep it completely private. Care management We’ll work with you and your physician to help you understand your options if you need care. We’ll also let you know about special programs to help you make informed health care decisions. myuhc.com®, your private member website Use myuhc.com to find doctors and pharmacies, estimate health care costs, refill prescriptions, chat online with a registered nurse and even work with online health coaches. DISCOUNTS THAT CAN ADD UP TO BIG SAVINGS Enjoy a healthy lifestyle for less, with typical discounts of 10 to 25 percent on fitness club memberships, weight loss programs, teeth whitening and more through our Health Discount Program. EXPLORE HEALTH CARE LANE® (healthcarelane.com) Main Street Visit different businesses with friendly employees who are excited to talk to you about all sorts of health care topics. Community Center Watch U. Horace Cartright deliver simple facts and straight answers about the health reform law. Wellness Days Join the Wellness Days festival to learn about tools, services and programs available to our members. myHealthcare Cost Estimator* is the next generation of our online estimating tool — now more informative and personalized to help you better manage your health care. Use it to better understand your choices in procedures, providers, even to estimate prices. The more you know, the more you can positively influence the quality of your care. It’s available to assist you 24/7 at no additional cost. Before you enroll, visit welcometouhc.com • Find a network doctor. Choose with confidence. Our UnitedHealth Premium® designation program takes the guesswork out of your doctor search because it recognizes physicians and hospitals for meeting quality and cost-efficiency guidelines. Just look for the ** to find them. • Estimate the cost of the plan. • Find a network pharmacy. • See recommended preventive care services based on your age and gender. We can help you make the move from another health plan or network. If you are receiving time-limited care for certain medical conditions from a doctor who is not in our network, we can help. See your benefit plan documents to learn more.
Published by United Healthcare / Open Enrollment . View All Articles.
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