The Options PPO plan is a traditional health plan with copayments, coinsurance and deductibles. Members have access to a broad network of physicians and hospitals nationwide. The plan design offers two levels of coverage – a higher level of benefits apply for network services, and a lower level of benefits is available for non-network services with higher deductibles. The plan includes a full spectrum of covered services and direct access to specialists without the need to gain approval from a primary care doctor.
Members have the freedom to see any health care professional or visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary physician. Members can choose services outside of our network, which are normally at a higher coinsurance, and/or deductible level.
Access to UnitedHealthcare Care CoordinationSM services
Access to UnitedHealthcare’s Web site myuhc.com®
The freedom to choose any doctor for your health care needs. No referrals needed
Cost savings by going to a network physician
Notification required for a number of network and non-network services (e.g., hospital stays).
It is the member’s responsibility to obtain approvals for both network and non-Network services
No referral to see a specialist
If a non-network physician is chosen, out-of-pocket costs will be higher and it is the member’s responsibility to submit claims