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A collaboration between UnitedHealthcare, CommonSpirit Health, AdventHealth, HealthONE and Banner Health. It's a different kind of health plan that focuses on your relationship with your doctor.
With this health plan, you will need to select a primary care provider (PCP) to guide your care, help you avoid cost surprises and support you in achieving your best health. If you need to see a network specialist, you will not need a referral from your PCP.
This plan includes copays, which is the fixed amount you pay each time you see a network provider. It also features a Health Savings Account (HSA) - a personal bank account that lets you put money aside, tax-free, to save and pay for qualified medical expenses.
Colorado Doctors Plan is available to employees living in one of these 11 counties including: Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, Morgan and Weld counties.
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.
We’re here for you, even when you’re away
Traveling for business, away at school or on vacation and need care? Members can find nearby network care by visiting the Doctors plan the Doctors Plan provider directory on myuhc.com® or on the UnitedHealthcare® app and search by location. You have access to the Doctors Plan PCPs, specialists and hospitals in any state — for any eligible service — regardless of your PCP local network selection.
Summary
| Network | |
|---|---|
| Individual | $3,200 |
| Family | $6,400 |
| Network | |
|---|---|
| Individual | $5,000 |
| Family | $10,000 |
| Network | |
|---|---|
| Individual | $3,200 |
| Family | $6,400 |
| Network | |
|---|---|
| Individual | $5,000 |
| Family | $10,000 |
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.
The importance of a primary care provider (PCP)
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
With this plan, you'll need to select a primary care provider (PCP) for yourself and each covered family member. 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—to get started, go to Provider Search. If you end up not picking a PCP by the deadline, one will be selected for you—but know that you can always change your PCP anytime at myuhc.com.
The importance of a primary care provider (PCP)
Having a PCP to help guide and coordinate your care is important whether or not the health plan you select requires one.
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.
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.
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.
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.
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 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, health plans, or retire.
Enjoy tax advantages
- Money you deposit is federal income tax-free.
- Your savings grow income tax-free.
- Withdrawals for qualified health care expenses are income tax free.
Use your account easily
- Use money in your HSA to pay for qualified health care expenses.
- Pay bills online or pay with checks linked to your HSA.
- Upload receipts and store them in your own online receipt vault.
Preventive services are covered in the network
Here's a partial list of your coverage:
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