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ARTICLE Rhode Island


Small Business Plan Guide

Groups of 1 to 50

Medical

  • UnitedHealthcare Choice Plus
    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.
  • UnitedHealthcare Edge
    Edge plans feature lower office visit copayments and greater plan coinsurance coverage when members receive care provided by UnitedHealth Premium® designation program quality and cost-efficiency designated specialty doctors. These doctors' designations are displayed on the member website, myuhc.com®.
  • UnitedHealthcare HRA
    This consumer-driven health (CDH) 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.
  • UnitedHealthcare HSA
    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.
  • UnitedHealthcare Choice Advanced
    UnitedHealthcare Choice Advanced is an open access plan that encourages members to seek care from certain providers and facilities to get the highest level of coverage. By making informed decisions about the physicians and service providers they choose, members can save money by going to certain network providers, facilities and hospital that are less expensive and still deliver the same quality care as other network providers. Since Choice Advanced is a network-based product, members must seek care from UnitedHealthcare Choice network providers to receive benefits.
  • UnitedHealthcare Navigate
    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.

Dental

Vision

Life Insurance

Disability

Groups of 51 to 99

Medical

Dental

Vision

Life Insurance

Critical Illness

Disability

Accident Insurance

Groups of 100 to 5,000

Medical

Dental

Vision

Life Insurance

Disability

Critical Illness

Accident Insurance

Groups larger than 5,000

Medical

Dental

Vision

Critical Illness

Accident Insurance

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