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Premium HSA Plan

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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.

This plan features a Heath Savings Account (HSA) - a personal bank account that lets you put money aside, tax-free, to save and pay for qualified medical expenses. 

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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Plan comparison

Summary

Deductible
Network
Individual $1,600
Family $3,200
Out of Pocket
Network
Individual $5,000
Family $10,000

Network coverage

Both network and out-of-network providers covered

Primary care provider

Primary care provider is not required

Copays

No copay on services or prescriptions

Savings account options

Health savings account (HSA) offered

Deductible
Network
Individual $1,600
Family $3,200
Out of Pocket
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?

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Stay in the network

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

Look for the hearts

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

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.

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Primary care provider

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

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.

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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.

  • HSA eligibility requirements

Preventive services are covered in the network

Here's a partial list of your coverage:

Doctor Office Visits and Labs

Emergency and Outpatient Care

Mental Health and Substance Disorder Service

Pregnancy and Newborn Care

Health and Wellness