With this health plan, you'll need to select a primary care physician (PCP) from our network. Your PCP will perform a key role in guilding your health care by helping you avoid duplicating tests and services, connecting you with a specialist if needed, and supporting you in achieving your best health.
There is no coverage if you use an out-of-network provider. If you need to see a specialist, you do not need a referral.
Primary care provider required.
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. Finding providers in the network is easy when you use.
To help save on costs, choose care and services from within our network.
With this plan, you'll need to select a primary care physician (PCP) for yourself and each covered 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.
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.
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.
Some health plans have a copay, which is a fixed amount you pay each time you see a provider. You're responsible for paying 100% of your copay up until you reach your out-of-pocket limit.
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.
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.
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