Exploring Your Options

You have three plan options, all through UnitedHealthcare’s broad network, giving you flexibility and wide access to providers.

About the Medical Plan Options

United Essential PPO

• What it is: Copay plan that leverages a Preferred Provider network
• Who it fits: Perfect for individuals and families who prefer a lower premium with the trade-off of a higher deductible
• Fun fact: Only 17% of subscribers in our most affordable option reached their deductible last year

United CDHP with HSA

• What it is: Consumer-directed health plan that works with a Health Savings Account (HSA)
• Who it fits: Perfect for both high and low users of the medical plan, especially those who want to save tax-advantaged funds for qualifying current and future expenses
• Fun fact: Through the HSA match from Asurion, you can more easily cover your out-of-pocket costs under the CDHP

United Enhanced PPO

• What it is: Copay plan that leverages a Preferred Provider network
• Who it fits: Great for those who don’t mind paying extra premiums for lower deductibles, out-of-pocket maximums and PCP copayments
• Fun fact: Contributing pre-tax money to a Flexible Spending Account is a smart way to pay less out of pocket toward your deductible

Kaiser HMO in Limited Areas

For those who prefer a more integrated care model (HMO), Kaiser is available in six regions through its narrow network.

Note: Kaiser plan provisions vary by region. Check your eligibility for Kaiser coverage on the ABC.