Choice EPO

With this health plan, you can use any doctor, clinic, hospital or health care facility in the national network, which saves you money. 

If you don’t use a provider from our network, you’ll have to pay for all of the costs. Referrals are not required to see a specialist.  

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.

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 Details
Individual Family
Deductible $0 $0
Out-of-pocket Limit $1,500 $3,000

Network coverage

Only network providers covered

Primary care provider

Primary care provider not required—but choosing one is highly recommended


Copay due for certain services and prescriptions

Savings account options

Savings account options not offered

Plan Details
Individual Family
Deductible $0 $0
Out-of-pocket Limit $1,500 $3,000

Are your providers in network?

Primary care provider not required-but choosing one is highly recommended.

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. Finding providers in the network is easy when you use Provider Search.

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.

Primary care provider

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

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.

Services covered

With this plan, preventive services are covered at 100%. Here's just a partial list of what's covered - for the full list view full benefits

Doctor Office Visits and Labs

Emergency and Outpatient Care

Mental Health and Substance Disorder Service

Pregnancy and Newborn Care

Health and Wellness