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MyChoice

With this copay plan, there is no deductible and no coinsurance. You’ll get head-to-toe coverage for you and your family from colds to cancer, preventive to emergency care – available through the large, national UnitedHealthcare provider network. Plus, access from anywhere with virtual options.

Search for care, compare actual prices (not estimates) in the form of a copay, and see ratings and reviews. When you compare options, you can also potentially save money.
Surest members average 50% lower out-of-pocket costs compared to traditional plans offered by employers.
Access to a broad, national UnitedHealthcare network of 1.8 million providers and 5,000 hospitals.
Lower copays are assigned to providers evaluated as high-value – in other words, those providers are more effective and cost efficient.

Our comparison chart helps you find your best fit by listing important plan benefits side-by-side.

Plan comparison

Plan at-a-glance

Network coverage

Both network and out-of-network providers covered

Primary care provider

Primary care provider is not required

Copays

Copay due for certain services and prescriptions

Savings account options

Savings account options not offered

Medical annual deductibles and out-of-pocket limits

Deductible amounts

	Network	Out-of-network
Individual	$0	$0
Family	$0	$0

Out-of-pocket limits

	Network	Out-of-network
Individual	$5,500	$11,000
Family	$11,000	$22,000

Deductible amounts

	Network	Out-of-network
Individual	$0	$0
Family	$0	$0

Out-of-pocket limits

	Network	Out-of-network
Individual	$5,500	$11,000
Family	$11,000	$22,000

Medical costs - copays ($) and coinsurance (%)

Doctors and specialists

	Network	Out-of-network
Preventive care visit	$0	$330
Primary care visit (illness or injury)	$25-$150	$25-$150
Primary care kids visit	$25-$150	$25-$150
Mental health visit (outpatient)	$25	$130
Specialist visit	$25-$150	$25-$150

Virtual, urgent and emergency care

	Network	Out-of-network
24/7 Virtual Visit (online doctor)	$15	Not covered
Urgent care visit	$150	$240
Emergency room	$1,000	$1,000

Doctors and specialists

	Network	Out-of-network
Preventive care visit	$0	$330
Primary care visit (illness or injury)	$25-$150	$25-$150
Primary care kids visit	$25-$150	$25-$150
Mental health visit (outpatient)	$25	$130
Specialist visit	$25-$150	$25-$150

Virtual, urgent and emergency care

	Network	Out-of-network
24/7 Virtual Visit (online doctor)	$15	Not covered
Urgent care visit	$150	$240
Emergency room	$1,000	$1,000

Pharmacy costs

Prescription drugs

	Tier level 1	Tier level 2	Tier level 3
Retail - up to 31 day supply	$20	$50	$250
Out-of-network	Not covered	Not covered	Not covered
Home delivery - up to 90 day supply	$50	$375	$625
Important information	Tier level 1: $ - generic Tier level 2: $$ - brand-name and generic Tier level 3 $$$ - brand-name and generic Tier level 4: $$$$ - mostly brand-name

Prescription drugs

	Tier level 1	Tier level 2	Tier level 3
Retail - up to 31 day supply	$20	$50	$250
Out-of-network	Not covered	Not covered	Not covered
Home delivery - up to 90 day supply	$50	$375	$625
Important information	Tier level 1: $ - generic Tier level 2: $$ - brand-name and generic Tier level 3 $$$ - brand-name and generic Tier level 4: $$$$ - mostly brand-name

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?

Read transcript (PDF)

Primary care provider

This plan does not require you to have a primary care provider (PCP), but 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.

Easily find and choose a primary care provider
Click the provider network link above to open the network provider directory for your selected plan.

Then follow these steps:

Under “What type of Medical Care can we help you find near:”, click Change Location, enter your location information, and click Update Location.
Under “Find 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 Provider ID number.

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.

Read transcript (PDF)

MyChoice

Compare to help find the right health plan

Plan at-a-glance

Network coverage

Primary care provider

Copays

Savings account options

Medical annual deductibles and out-of-pocket limits

Deductible amounts

Out-of-pocket limits

Deductible amounts

Out-of-pocket limits

Medical costs - copays ($) and coinsurance (%)

Doctors and specialists

Virtual, urgent and emergency care

Doctors and specialists

Virtual, urgent and emergency care

Pharmacy costs

Prescription drugs

Prescription drugs

Network coverage

Are your providers in network?

The importance of a primary care provider (PCP)

Primary care provider

Easily find and choose a primary care provider

The importance of a primary care provider (PCP)

MyChoice

Compare to help find the right health plan

Plan at-a-glance

Network coverage

Primary care provider

Copays

Savings account options

Medical annual deductibles and out-of-pocket limits

Deductible amounts Deductible amounts

Out-of-pocket limits Out-of-pocket limits

Deductible amounts Deductible amounts

Out-of-pocket limits Out-of-pocket limits

Medical costs - copays ($) and coinsurance (%)

Doctors and specialists Doctors and specialists

Virtual, urgent and emergency care Virtual, urgent and emergency care

Doctors and specialists Doctors and specialists

Virtual, urgent and emergency care Virtual, urgent and emergency care

Pharmacy costs

Prescription drugs Prescription drugs

Prescription drugs Prescription drugs

Network coverage

Are your providers in network?

The importance of a primary care provider (PCP)

Primary care provider

Easily find and choose a primary care provider Easily find and choose a primary care provider

The importance of a primary care provider (PCP)

Deductible amounts

Out-of-pocket limits

Deductible amounts

Out-of-pocket limits

Doctors and specialists

Virtual, urgent and emergency care

Doctors and specialists

Virtual, urgent and emergency care

Prescription drugs

Prescription drugs

Easily find and choose a primary care provider