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Select Colorado 3500 HDHP Plan
In collaboration with UCHealth, the SelectColorado plan is designed to help you build a strong connection between you and your primary care physician (PCP)—someone who can help coordinate your care and support you in achieving your best health.
You can select Tier 1 providers to help you get the most from of your benefits. Tier 1 providers are doctors, specialists, and other health care facilities recognized for value in health care delivery.
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.
To be eligible to enroll for this plan, you must live or work in Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, El Paso, Jefferson, Larimer, Mesa, Pueblo, Routt, Teller or Weld County.
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.
Plan at-a-glance
Medical annual deductibles and out-of-pocket limits
Medical costs - copays ($) and coinsurance (%)
Pharmacy costs
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)
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.
If you don't select a PCP by the deadline, one will be selected for you. But 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.
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