UnitedHealthcare Choice
UnitedHealthcare Choice is an “open access” health care plan. Your employees can choose any provider they’d like to see in the UnitedHealthcare National Network. 97% of the population in the country has access to these providers. There are over 712,427 physician locations, 434,189 physicians and 4,985 hospitals nationwide. Members must stay in the network to receive benefits. They have the freedom to choose their physician or specialist without visiting a “primary care physician” for a referral.

Advantages of the Choice plan include:

• Lower out-of-pocket costs for network care
• No claim forms or bills to worry about
• Access to UnitedHealthcare’s Personal Health Support  program
• UnitedHealthcare’s Web site myuhc.com^® for information on benefit eligibility, coverage, account history, claims status, physicians and hospitals, estimated out-of pocket costs, health plan options, health and wellness topics, health records and to ask medical professionals questions online

UnitedHealthcare Choice Plus
Choice Plus offers the same key benefits as Choice , including providing members with access to an expansive network of providers. The primary difference between the two plans is that Choice Plus offers members a level of benefits should they choose to seek care outside the network. Like Choice, Choice Plus does not require members to designate a “primary care physician” to coordinate care, nor are specialist referrals required for eligible services.

Managed Indemnity
UnitedHealthcare Managed Indemnity offers your employees a flexible solution for their health care needs. As a managed version of “traditional” indemnity insurance, your employees make their own health care decisions, including which licensed doctors and specialists to visit. UnitedHealthcare covers a percentage of the medical expenses once payment has been made for the annual deductible. Managed Indemnity does offer some of the cost-effective programs commonly associated with other, more managed insurance plans. We allow care management and additional capabilities.

UnitedHealthcare Options – a Preferred Provider Organization (PPO)
UnitedHealthcare Options PPO has access to a broad network of physicians and hospitals nationwide. The plan design offers two levels of coverage – a higher level of benefits apply for in-network services, and a lower level of benefits is available for non-network services with somewhat higher deductibles and co-payments. The plan includes a full spectrum of covered services and direct access to specialists without the need to gain approval from a primary care doctor.