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The UnitedHealthcare logo stretches into a ribbon that swipes across the screen and flies away.
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Hello. Looking for tips on how to choose a health plan that fits you best? Let’s dive in.
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Hello
Let's dive in
Narrator:
As you consider your health plan options, here are a few great questions to ask.
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How to choose a health plan
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A hot-air balloon drifts upward.
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Starting with: is your provider in the network?
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Is your provider 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 primary care provider listens to a young child’s heart as she sits on her mother’s lap. Then, an adult participates in a virtual visit with a primary care provider on a laptop.
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Just so you know, a network is a group of providers and facilities who've been contracted to deliver health care services to you, often at a discount. Staying in your plan’s network when getting care makes sense — because it may help you save money.
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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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A cluster of circles appears. In each circle is a health care-related item, such as a heart, prescription bottle and health care provider. One by one, the circles turn into coins. A piggy bank appears, and the coins drop into it.
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To check if your PCP or other provider is in the network
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How do you check if a 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-u-h-c dot com account? Depending on your answer, the way to find a PCP will be different.
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As a hand holds a smartphone, a question mark appears on its screen. A second hand holding a smartphone appears. On its screen, a check mark appears.
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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-u-h-c dot com home page. Select Find a Provider and then choose coverage type. Next, choose type of care. From there, you’ll see additional steps where you may need to set your location to find PCPs near you and select your plan. Then, you’ll choose "Primary Care", and select View All Primary care providers. Providers who are in the network will be marked with a green check.
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A step-by-step demonstration illustrates how to search for a network primary care provider on myuhc.com.
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If you're already a member with a registered account—to find a PCP you'll need to go to my-u-h-c dot com and sign in to your account. Select find care. Then, primary care providers. Providers who are in the network will be marked with a green check.
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A step-by-step demonstration illustrates how to search for a network primary care provider on myuhc.com.
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Second question: What are your health care needs? Think about the kind of health care you or your family might need in the upcoming year.
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What are your health care needs?
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Do you have ongoing health conditions? Or have regular visits to doctors? Are you expecting a big change — like a new baby or a planned surgery?
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Consider your care needs
- Major health needs
- Frequent specialist visits
- Plans for future changes
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Twelve calendar squares form a grid, representing a plan year. Three stethoscopes appear on sporadic squares. A pacifier and an IV bag appear on other squares.
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Or maybe you only see the doctor occasionally for things like annual checkups or minor illnesses? These factors can significantly impact which health plan is right for you — and how you manage your health care costs.
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Consider your care needs
- Occasional doctor visits
- Annual checkups
- Minor illnesses
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Twelve calendar squares form a grid, representing a plan year. An apple, heart, prescription pill bottle and stethoscope appear on sporadic squares.
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Once you’ve considered your health care needs, you’re ready for question 3: How do you like to manage health care costs?
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How do you like to manage your costs?
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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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A calendar appears under the words “Monthly premium,” and a wallet is under the words “Copays and deductibles.” Between them is a horizontal line. As the calendar sinks down, the wallet rises. Then, the calendar rises as the wallet sinks.
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Either way, it's helpful to compare plan differences in deductibles, copays, coinsurance and out-of-pocket limit amounts. Being aware of the details can help you keep your costs in check — and know what to expect to pay.
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Two pieces of paper appear. One is labeled “Plan 1” and the other is labeled “Plan 2.” A check mark is made under the “Plan 2” document.
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Another question to ask is: What kind of benefits and tools are included with your plan?
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Are there benefits and tools included with your plan?
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It’s good to take into consideration all the different additional benefits — like wellness programs, plus the helpful digital tools — that come with your health plan at no added cost to you.
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A woman holds a yoga mat under her arm while scrolling on her smartphone. Then, a man and woman sit side-by-side on a couch, looking at a laptop screen. The woman gently rubs her baby bump.
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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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Smiling and arm-in-arm, an adult woman and an older woman stroll together along a neighborhood street.
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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 justplainclear.com any time you need health care terms defined simply and clearly.
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justplainclear.com
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A step-by-step demonstration illustrates how to look up words on justplainclear.com.
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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. Thanks for watching.
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A hot-air balloon drifts upward.
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Once your plan is active, visit my U-H-C.com to browse around and learn more — or sign up for the programs and services that catch your interest.
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Already a member?
Visit myuhc.com
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A ribbon swipes across the screen and becomes the UnitedHealthcare logo.
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Disclaimers are included on screen here, as well as in the video transcript.
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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. B2C EI232689501.3 © 2026 United HealthCare Services, Inc. All Rights Reserved. 25-3969358
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