Medical plans

These traditional open-access health plans give employees and covered family members the freedom to choose a network physician or specialist from the UnitedHealthcare Choice/Choice Plus network without a referral from a primary care provider (PCP).

• With Choice plans, employees must receive care from network providers for benefits to be covered. There is out-of-network coverage for emergency services only
• Choice Plus plans include plan coverage for out-of-network providers at a lower benefit level

Navigate and Charter offer a variety of plan design options that provide traditional benefits with the guidance of a PCP.

• Both have their own national network that employers can narrow, which is different than with the Choice network
• For Navigate and Charter, non-network coverage is not available, except in the case of emergency care, or it's provided at the lowest level of coverage for some plan options

Tiered benefits are built on traditional UnitedHealthcare plans and include additional features that help encourage employees and covered family members to receive their care from providers and facilities that may offer the greatest value, with the flexibility to access the larger network at higher cost-sharing.

• Premium tiering allows for tiering on UnitedHealth Premium® designated PCPs and specialists
• Hospital tiering on Premium designated PCPs, specialists and hospitals (market restrictions apply)
• Place of service differentials help empower employees to receive a lower cost-share if services are delivered from a freestanding facility versus a hospital-based facility
• Preferred lab tiering allows employees to receive lab services at no additional cost when services are delivered by a Preferred Lab facility

NexusACO plans offer access to high-performing providers and Accountable Care Organizations (ACOs) through tiered plan designs.

• Multiple plans are available to help meet employer needs, including non-referral open access plans and PCP centered plans with referral requirements

All Savers consists of 3 parts:

• Self-funded medical plan that pays covered medical expenses
• Third-party administration for claims processing
• Billing and plan participant services and stop loss insurance

A limited benefit plan with coverage focusing on 100% preventive care and preventive medications. Preventive Plan meets the minimum standard requirements for value and affordable health care coverage required to be offered by certain employers.