Washington

Washington Small Business Plan Guide

Groups of 1 to 50

  • UnitedHealthcare Choice Plus
    (UnitedHealthcare Insurance Company)
    This is a traditional health plan with copayments, coinsurance and deductibles. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • Health Savings Account (HSA)
    (UnitedHealthcare Insurance Company)
    This consumer-driven health plan is made up of two parts: a high deductible health plan and a Health Savings Account (HSA). With this plan, members can open and deposit money, before taxes, into an HSA, which is their own personal savings account. Members can use the money to pay for eligible medical and pharmacy expenses, including their deductible, or save it for future expenses. Referrals are not required for specialists.
  • Navigate
    (UnitedHealthcare Insurance Company)
    Navigate is a gated product, intended to deliver traditional benefits at a more budget friendly price-point while still providing the plan design flexibility. In the Navigate product, members choose a primary care physician, who will provide care for the majority of the member's health care needs, including preventive and routine care, and care for sickness or injury. Because the primary care physician will understand the member's health needs thoroughly, they can best refer the member to other network physicians when additional care is needed. Non-network coverage is not available, except in the case of emergency care.
  • Navigate HSA
    (UnitedHealthcare Insurance Company)
  • UnitedHealthcare Options Non-Differential PPO (UnitedHealthcare Insurance Company)
    UnitedHealthcare Non-Differential PPO provides coverage for members who do not have standard access the UnitedHealthcare PPO network service area. All care is reimbursed at a single coinsurance level. Members are not required to use a network provider. However, cost savings are available if members do receive care from a UnitedHealthcare PPO network provider. The member is responsible to obtain all approvals and submit claims.
  • UnitedHealthcare SignatureValue Plan
    (UnitedHealthcare of Washington, Inc.)
    The UnitedHealthcare SignatureValue Plan is a Health Maintenance/Managed Care Organization, or HMO/MCO plan. Members select a participating Primary Care Physician (PCP) from UnitedHealthcare's broad participating network. The participating PCP helps manage members’ health care by referring them to specialists and other services when you may need them. You do not have to meet an annual deductible on most plans. You pay a copayment when you visit a doctor. After your copayment, many health care expenses are 100% covered for that visit. Preventive health care, including checkups, is covered.

Groups of 51 to 99

  • UnitedHealthcare Choice
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    UnitedHealthcare Choice is an "open access" health care plan. Your employees can choose any provider they'd like to see in the UnitedHealthcare national network. There are over 783,000 physicians and health care professionals and 5,700 hospitals nationwide. Members must stay in the network to receive benefits. They have the freedom to choose their physician or specialist without visiting a "primary care physician" for a referral.
  • UnitedHealthcare Choice Plus
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This is a traditional health plan with copayments, coinsurance and deductibles. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • Health Reimbursement Account (HRA)
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This consumer-driven health plan includes a deductible and a health reimbursement account (HRA) that is funded by the employer. The HRA is used to help the member pay a portion of their deductible. Members will be responsible for paying the remaining deductible, which requires them to pay the actual cost of eligible health care expenses. This also encourages smarter spending. Referrals are not required for specialists.
  • Health Savings Account (HSA)
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This consumer-driven health plan is made up of two parts: a high deductible health plan and a Health Savings Account (HSA). With this plan, members can open and deposit money, before taxes, into an HSA, which is their own personal savings account. Members can use the money to pay for eligible medical and pharmacy expenses, including their deductible, or save it for future expenses. Referrals are not required for specialists.
  • Navigate
    (UnitedHealthcare of Washington, Inc.)
    Navigate is a gated product, intended to deliver traditional benefits at a more budget friendly price-point while still providing the plan design flexibility. In the Navigate product, members choose a primary care physician, who will provide care for the majority of the member's health care needs, including preventive and routine care, and care for sickness or injury. Because the primary care physician will understand the member's health needs thoroughly, they can best refer the member to other network physicians when additional care is needed. Non-network coverage is not available, except in the case of emergency care.
  • Navigate HSA
    (UnitedHealthcare of Washington, Inc.)
  • Navigate Balanced
    (UnitedHealthcare of Washington, Inc.)
  • Navigate Balanced HSA
    (UnitedHealthcare of Washington, Inc.)
  • UnitedHealthcare Options Non-Differential PPO (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    UnitedHealthcare Non-Differential PPO provides coverage for members who do not have standard access the UnitedHealthcare PPO network service area. All care is reimbursed at a single coinsurance level. Members are not required to use a network provider. However, cost savings are available if members do receive care from a UnitedHealthcare PPO network provider. The member is responsible to obtain all approvals and submit claims.
  • UnitedHealthcare SignatureValue Plan
    (UnitedHealthcare of Washington, Inc.)
    The UnitedHealthcare SignatureValue Plan is a Health Maintenance/Managed Care Organization, or HMO/MCO plan. Members select a participating Primary Care Physician (PCP) from UnitedHealthcare's broad participating network. The participating PCP helps manage members’ health care by referring them to specialists and other services when you may need them. You do not have to meet an annual deductible on most plans. You pay a copayment when you visit a doctor. After your copayment, many health care expenses are 100% covered for that visit. Preventive health care, including checkups, is covered.

Groups of 100 to 5,000

  • UnitedHealthcare Choice
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    UnitedHealthcare Choice is an "open access" health care plan. Your employees can choose any provider they'd like to see in the UnitedHealthcare national network. There are over 783,000 physicians and health care professionals and 5,700 hospitals nationwide. Members must stay in the network to receive benefits. They have the freedom to choose their physician or specialist without visiting a "primary care physician" for a referral.
  • UnitedHealthcare Choice Plus
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This is a traditional health plan with copayments, coinsurance and deductibles. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • Health Reimbursement Account (HRA)
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This consumer-driven health plan includes a deductible and a health reimbursement account (HRA) that is funded by the employer. The HRA is used to help the member pay a portion of their deductible. Members will be responsible for paying the remaining deductible, which requires them to pay the actual cost of eligible health care expenses. This also encourages smarter spending. Referrals are not required for specialists.
  • Health Savings Account (HSA)
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This consumer-driven health plan is made up of two parts: a high deductible health plan and a Health Savings Account (HSA). With this plan, members can open and deposit money, before taxes, into an HSA, which is their own personal savings account. Members can use the money to pay for eligible medical and pharmacy expenses, including their deductible, or save it for future expenses. Referrals are not required for specialists.
  • Navigate 
    (UnitedHealthcare of Washington, Inc.)
    Navigate is a gated product, intended to deliver traditional benefits at a more budget friendly price-point while still providing the plan design flexibility. In the Navigate product, members choose a primary care physician, who will provide care for the majority of the member's health care needs, including preventive and routine care, and care for sickness or injury. Because the primary care physician will understand the member's health needs thoroughly, they can best refer the member to other network physicians when additional care is needed. Non-network coverage is not available, except in the case of emergency care.
  • Navigate HSA
    (UnitedHealthcare of Washington, Inc.)
  • Navigate Balanced
    (UnitedHealthcare of Washington, Inc.)
  • Navigate Balanced HSA
    (UnitedHealthcare of Washington, Inc.)
  • UnitedHealthcare Options Non-Differential PPO 
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    UnitedHealthcare Non-Differential PPO provides coverage for members who do not have standard access the UnitedHealthcare PPO network service area. All care is reimbursed at a single coinsurance level. Members are not required to use a network provider. However, cost savings are available if members do receive care from a UnitedHealthcare PPO network provider. The member is responsible to obtain all approvals and submit claims.
  • UnitedHealthcare SignatureValue Plan 
    (UnitedHealthcare of Washington, Inc.)
    The UnitedHealthcare SignatureValue Plan is a Health Maintenance/Managed Care Organization, or HMO/MCO plan. Members select a participating Primary Care Physician (PCP) from UnitedHealthcare's broad participating network. The participating PCP helps manage members’ health care by referring them to specialists and other services when you may need them. You do not have to meet an annual deductible on most plans. You pay a copayment when you visit a doctor. After your copayment, many health care expenses are 100% covered for that visit. Preventive health care, including checkups, is covered.

Groups larger than 5,000

  • UnitedHealthcare Choice
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    UnitedHealthcare Choice is an "open access" health care plan. Your employees can choose any provider they'd like to see in the UnitedHealthcare national network. There are over 783,000 physicians and health care professionals and 5,700 hospitals nationwide. Members must stay in the network to receive benefits. They have the freedom to choose their physician or specialist without visiting a "primary care physician" for a referral.
  • UnitedHealthcare Choice Plus
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This is a traditional health plan with copayments, coinsurance and deductibles. Members have the freedom to see any doctor and visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary care doctor. Members can choose services outside our network, but their payments will be higher.
  • Health Reimbursement Account (HRA) 
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This consumer-driven health plan includes a deductible and a health reimbursement account (HRA) that is funded by the employer. The HRA is used to help the member pay a portion of their deductible. Members will be responsible for paying the remaining deductible, which requires them to pay the actual cost of eligible health care expenses. This also encourages smarter spending. Referrals are not required for specialists.
  • Health Savings Account (HSA)
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    This consumer-driven health plan is made up of two parts: a high deductible health plan and a Health Savings Account (HSA). With this plan, members can open and deposit money, before taxes, into an HSA, which is their own personal savings account. Members can use the money to pay for eligible medical and pharmacy expenses, including their deductible, or save it for future expenses. Referrals are not required for specialists.
  • Navigate 
    (UnitedHealthcare of Washington, Inc.)
    Navigate is a gated product, intended to deliver traditional benefits at a more budget friendly price-point while still providing the plan design flexibility. In the Navigate product, members choose a primary care physician, who will provide care for the majority of the member's health care needs, including preventive and routine care, and care for sickness or injury. Because the primary care physician will understand the member's health needs thoroughly, they can best refer the member to other network physicians when additional care is needed. Non-network coverage is not available, except in the case of emergency care.
  • Navigate HSA
    (UnitedHealthcare of Washington, Inc.)
  • Navigate Balanced
    (UnitedHealthcare of Washington, Inc.)
  • Navigate Balanced HSA
    (UnitedHealthcare of Washington, Inc.)
  • UnitedHealthcare Options Non-Differential PPO 
    (UnitedHealthcare of Washington, Inc. and UnitedHealthcare Insurance Company)
    UnitedHealthcare Non-Differential PPO provides coverage for members who do not have standard access the UnitedHealthcare PPO network service area. All care is reimbursed at a single coinsurance level. Members are not required to use a network provider. However, cost savings are available if members do receive care from a UnitedHealthcare PPO network provider. The member is responsible to obtain all approvals and submit claims.
  • UnitedHealthcare SignatureValue Plan 
    (UnitedHealthcare of Washington, Inc.)
    The UnitedHealthcare SignatureValue Plan is a Health Maintenance/Managed Care Organization, or HMO/MCO plan. Members select a participating Primary Care Physician (PCP) from UnitedHealthcare's broad participating network. The participating PCP helps manage members’ health care by referring them to specialists and other services when you may need them. You do not have to meet an annual deductible on most plans. You pay a copayment when you visit a doctor. After your copayment, many health care expenses are 100% covered for that visit. Preventive health care, including checkups, is covered.