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UHC Colorado Doctors CDHP 3500

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.

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.

Plan comparison

Summary

Deductible
	Network
Individual	$3,500
Family	$7,000

Out of Pocket
	Network
Individual	$6,350
Family	$12,700

Network coverage

Only network providers covered

Primary care provider

Primary care provider is required

Copays

No copay on services or prescriptions

Savings account options

Health savings account (HSA) offered

Deductible
	Network
Individual	$3,500
Family	$7,000

Out of Pocket
	Network
Individual	$6,350
Family	$12,700

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.

Look for the hearts

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

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.

Choosing your Primary Care Provider
Click on the Provider Search link above to find the network for your selected plan.

Then follow these steps:

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

Having a PCP to help guide and coordinate your care is important whether or not the health plan you select requires one.

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
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.

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

UHC Colorado Doctors CDHP 3500

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We’re here for you, even when you’re away