Tips to Choosing a Health Plan (no pharmacy)
Video transcript
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Hello
Welcome to your health plan
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Hello. Welcome to United Health care — and this video that’s made just for you.
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How to choose
a health plan
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Choosing a health plan is a pretty important decision — after all, it’s your way toward a healthier tomorrow.
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As you explore your options, check out this checklist of questions
designed to help you choose the plan that best fits your needs. Let's get started.
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Are the providers you often see in the network?
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Think about the providers you see regularly, like your primary care provider, also called a PCP.
If you’d like to keep seeing them, it’s a good idea to make sure they’re in the plan’s network.
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A network is:
A group of providers and facilities
contracted to deliver health care
services, often at a discount
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By the way, a network is a group of providers and facilities who've been con-tracted to deliver health care services to you,
often at a discount. Staying in the network makes sense — because getting care from within the network may help you save money.
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How do you check if a provider is in the network?
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To check if your PCP or other provider is in the network
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we first have to ask: Are you in the process of considering a new health plan? Or are you already a health plan member
who's registered with a "MY you aich see dot com" account? Depending on your answer, the way to find a PCP will be different.
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If you're considering a plan, and want to see if a PCP is in the network, you'll go to the "MY you aich see dot com"
home page. Select Find a Provider.........and then choose Medical Directory. From there, you’ll see additional steps
where you may need to select your health plan and set your location to find PCPs near you. Then, you’ll choose
"People"............."Primary Care"............and "All Primary
Care Providers." Network providers will be marked with a green check.
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If you're already a member—with a registered "MY you aich see dot com" account—to find a PCP you'll
need to go to MY you aich see dot com ------ Sign in to your account. ------ Select find care &
costs. -------Then, primary care providers. ------ Network providers will be marked with a green check.
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What are your
health needs?
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Consider the health care you or your family may need in the plan
year ahead. This can help you decide the level of coverage you may need.
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You may need
more coverage for:
Major health needs
Frequent specialist visits
Plans for future changes
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For example, you may want a plan that offers more coverage if you have major health care needs; see
doctors or specialists often; are anticipating a change, like a growing family, or upcoming surgery
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A plan with less coverage
may work well for:
Occasional doctor visits
Annual checkups
Minor illnesses
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If you see the doctor occasionally for things like an annual checkup or
minor illnesses, a health plan that offers less coverage may work well for you.
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How do you like to
manage your costs?
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Consider the health care you or your family may need in the plan
year ahead. This can help you decide the level of coverage you may need.
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Some people manage costs by choosing to keep their monthly premium payments low. Others choose
to pay higher monthly premiums because it tends to lower other costs, like copays or deductibles.
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In both cases, it's helpful to compare health plan deductible, co-insurance and out-of-pocket limit
amounts. Understanding the differences can help you keep your costs in check — and know what to expect.
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What kind of benefits and tools are included?
Health
support services
Wellness programs
Digital tools
and resources
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Lastly, take into consideration all the different health and wellness benefits plus
digital tools and resources that come with your health plan at no additional cost to you.
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Get the most out of your benefits
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They're included to help support your health journey and help you get the most out of your benefits.
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justplainclear.com
Button text: Look up terms
Button url: https://justplainclear.com
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Speaking of helpful resources, it’s a good time to tell you about Just Plain Clear Glossary — a site where you can look up
thousands of health care terms. Go to just plain clear dot com any time you need health care terms defined simply and clearly.
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Now that you know many of the questions to ask when choosing a health
plan, you may be that much closer to finding one that best fits your needs.
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Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.
Administrative services provided by United HealthCare Services, Inc. or their affiliates.
© 2023 United HealthCare Services, Inc. All Rights Reserved. EI232689501.0