United Healthcare offers many plan choices to fit you and your family’s needs. The plans vary from state-to-state. No matter where you live, United Healthcare offers many levels of care to choose from. Each plan covers different things at varying rates. Options include:3,4,5,6
United Healthcare Choice: This plan offers in-network coverage that includes more than 895,000 providers across the United States. This plan offers fixed copay amounts, and you can obtain specialty services without a referral as long as you stay in-network. If you choose an out-of-network provider under this plan, your insurance will not help cover expenses.
United Healthcare Choice Plus: This plan allows you to choose both in-network and out-of-network providers. Your costs will be reduced when you stay in-network. If you choose an out-of-network provider for addiction treatment services, you will have higher out-of-pocket costs.
United Healthcare Options PPO: This plan offers savings for out-of-pocket costs when you get care from a member of the preferred provider network. You can receive treatment and services from any provider, but choosing in-network providers will help you keep your out-of-pocket costs down.
United Healthcare members can attend drug and alcohol rehab anywhere in the country as long as they choose an in-network provider. With United Healthcare Choice Plus or United Healthcare Options PPO, you can work with an out-of-network provider, but your co-pay and other out-of-pocket expenses will be higher.
Within these United Healthcare insurance plans, there are also varying levels of coverage: bronze, silver, and gold. Bronze policies generally have lower monthly premiums and higher deductibles and are best for those who do not access care frequently. Silver plans offer slightly higher premiums and lower deductibles. Gold plans have the highest premiums but the lowest deductibles and out-of-pocket costs for services received—best for those who frequently see doctors or require healthcare services. United Healthcare plans can also be used with coinsurance policies to pay for drug and alcohol addiction treatment services.