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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.

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.


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Network coverage

Both network and out-of-network providers covered

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Primary care provider

Primary care provider not required—but choosing one is highly recommended

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No copay on services or prescriptions

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Savings account options

Health savings account (HSA) offered

Plan Details

Individual Family
Deductible $1,600.00 $3,200.00
Out-of-pocket Limit $3,200.00 $9,450.00

Are your providers in network?

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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. Finding providers in the network is easy when you use Provider Search

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Stay in the network

To help save on costs, choose care and services from within our network.

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Spot the Tier 1 dot

You may pay less for care when you choose Tier 1 doctors and facilities because they offer the greatest value from your health care benefits.

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Look for the hearts

To help you find quality and cost-efficient doctors, the UnitedHealth Premium® program fully evaluates doctors in various specialties.


Primary care provider

While this plan does not require you to have a primary care provider (PCP), choosing one for yourself and each 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:

  1. Under “What type of Medical Care can we help you find near”, click Change Location, fill in your location information, and click Update Location.
  2. Under “Find Health Care by Category”, select People > Primary Care > All Primary Care Providers to see a listing of PCPs.
  3. 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

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.

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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.

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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.

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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.

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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.

Health Savings Account

This plan comes with an opportunity to open up a health savings account (HSA) — a bank account with Optum Bank® where you can put money aside, tax-free, to save and pay for eligible health care expenses.

Save today, spend whenever

  • Spend your HSA money on eligible health expenses now.
  • Build up your HSA savings and use it later.
  • Your savings can be carried over year to year, even if you change jobs.

Enjoy tax advantages

  • Deposits are exempt from both federal and state income tax.
  • Your savings grow tax free.
  • Money you spend on eligible health care expenses is income tax free.

Use your account easily

  • Use money in your HSA to pay for qualified medical expenses.
  • Pay bills online or pay with checks linked to your HSA.
  • Upload receipts and store them in your own online receipt vault.

As defined by the IRS, to be eligible for an HSA you:

  • Must be covered under a qualifying high-deductible health plan (HDHP) on the first day of the month.
  • Must not have other health coverage except what is permitted by the IRS.
  • Must not be enrolled in Medicare, TRICARE or TRICARE for Life.
  • Cannot be claimed as a dependent on someone else’s tax return.
  • Have not received Veterans Affairs (VA) benefits within the past three months, except for preventive care. If you have a disability rating from the VA, this exclusion doesn’t apply.

Other restrictions and exceptions may apply. We recommend you consult a tax, legal or financial advisor to discuss your personal circumstances.

Optum Bank can help you take control of your health care saving and spending.

  • Optum Bank app – It’s easy to take charge of your HSA by connecting your HSA to Apple Pay. Watch this video to learn more.
  • Connect with answers, anytime – Your Google Home or Alexa-enabled device can connect to Optum Bank. Just ask questions like “Are bandages a qualified medical expense?”
  • All in one place – Access your HSA by visiting, so you can access your health plan and HSA all at once.
  • Easy payment – Options include using the Optum Bank Debit Mastercard® , online bill payment and reimbursement.

Services covered

With this plan, preventive services are covered at 100%. Here’s just a partial list of what’s covered – for the full list view full benefits

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Doctor Office Visits and Labs

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Emergency and Outpatient Care

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Mental Health and Substance Disorder Service

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Pregnancy and Newborn Care

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Health and Wellness

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Administrative services provided by United HealthCare Services, Inc. or their affiliates.