UnitedHealthcare Choice Plus 1500

The UnitedHealthcare Choice Plus 1500 option will become the UnitedHealthcare Choice 1500 option effective January 1, 2022.

Plan overview

The UnitedHealthcare Choice Plus 1500 option is a high deductible health plan. Employees who enroll in this plan pay the full cost for all health care services received until the deductible is met. Then, the plan begins sharing costs, and employees pay 10% of the cost of health care services.

Health Savings Account

The UnitedHealthcare Choice Plus 1500 comes with a Health Savings Account. The Health Savings Account is designed to allow participants to receive a triple tax advantage by putting money away to save for future health care expenses. Find out more here.

Where you can go for care

The UHC Choice Plus 1500 option offers out-of-network coverage, as well as a national network of providers and facilities, along with a Preferred Hospital List, which is a list of preferred facilities where you’ll see the most savings You can see any provider in or out of the the UHC Choice network. You can go to any facility in or out of the UHC Choice network, but if you go to a facility on the Preferred Hospital list, you’ll save the most and pay the least. To find a doctor or facility in the UHC Choice Plus network:

Visit http://welcometouhc.com/thr
Scroll down to the Choice Plan 1500 section
Under the Find a Doctor section, click “Search the network”

To get the most up to date information, please contact UHC customer service at 1-877-MyTHRLink (1-877-698-4754), prompt 2.

What you pay for care

Plan Features	UHC Choice Plus Plan 1500
	UHC Choice Network Doctors, Preferred Hospitals and Free-standing Facilities¹	UHC Choice Network Hospitals¹	Out-of-Network Doctors, Hospitals and Facilities⁶
Network	National network with preferred hospitals
Deductible	$1,500 individual $4,500 family	$4,000 individual $12,000 family	$5,000 individual $15,000 family
Medical and Rx Out-of-Pocket Maximum²	$6,750 individual $13,500 family		$18,000 individual $36,000 family
HSA	$500 in account that may be used to pay for eligible health care expenses
Office Visits	Full deductible, then 10%		Full deductible, then 50%
Maternity Office Visits	Full deductible, then 10%		Full deductible, then 50%
Inpatient Hospital Care	Preferred Hospital: Full deductible, then 10% UHC Choice Network Hospital: Full deductible, then 50%		Full deductible, then 50% with notification⁷
Telehealth	Full deductible, then 10%
Emergency Room	Full deductible, then 10%
Urgent Care Center	Full deductible, then 50%		Full deductible, then 50%
Outpatient Surgery¹	Full deductible, then 10%	Full deductible, then 50%	Full deductible, then 50% with notification⁷
Routine Physicals³	$0		Not covered
Well-Woman/Man Exams (Including Pap Test or PSA Test)³	$0		Not covered
Well-Child Care (Including Immunizations)³	$0		Not covered
Colonoscopy³	$0		Not covered
Mammography⁴	$0		Not covered
Outpatient Diagnostic Lab & X-ray (Excluding MRI, CT, PET Scans)¹	Preferred Hospital: Full deductible, then 10% UHC Choice Network Hospital: Full deductible, then 50%		Full deductible, then 50%
MRI, CT & PET Scans¹	Full deductible, then 10%	Full deductible, then 50%
Outpatient Therapy⁵	Full deductible, then 10%	Full deductible, then 50%

1 When your doctor requests tests or services such as lab work, X-rays, MRIs, CT scans, physical therapy or rehabilitation at a free-standing facility that isn’t affiliated with a hospital, you should check to make sure they are in-network, and if you are in a UHC medical plan option check the coinsurance level of that facility on your plan. Services performed at Preferred Hospitals or at a free-standing facility unaffiliated with a hospital are covered at 90% after deductible by the UHC Choice 500 and Choice 1000 plans, while care at non-Preferred hospitals, if you are in the UHC Choice 500 or Choice 1000 plans, is only covered at 30% after the deductible. Check with your insurance carrier to verify whether a facility and/or doctor is covered under your plan and to learn how much your co-insurance would be.

2 Maximum includes deductible, co-insurance, and copays for medical care and prescriptions.

3 Well exams are covered in full if the claims administrator determines the physical is for preventive care. Additional screenings or services will be considered diagnostic services and will be covered after you pay the applicable copay or deductible and coinsurance. At the time of your preventive care visit, if other services are performed that are not preventive services, as determined by the claims administrator, they will not be paid at 100% even if they are submitted as part of a claim for preventive care.

4 One per year is covered. You pay the coinsurance for additional mammograms.

5 Up to a combined total of 60 visits per year are covered for outpatient physical, occupational, and speech therapy. Pulmonary and rehabilitation services are covered up to 20 visits. Up to 36 cardiac rehabilitation visits are covered.

6 Whenever you use an out-of-network provider, you pay for services when you receive them and file a claim for reimbursement of eligible expenses.

7 $1,000 penalty for failure to provide notification.

What you pay each paycheck

Click here to view your cost per paycheck.

Features of the plan

There are a variety of cool (and some free) features that come with this plan option. You can find a full list of features here.

Tips

Check out these tips that can help you get the care that is right for you while keeping your costs down.

WHO DO I CONTACT WITH QUESTIONS?

For a list of Frequently Asked Questions about the Total Health Medical Plan, click here.
UnitedHealthCare:
- Phone: 1-877-698-4754, prompt 2
- Web: myUHC.com
Benefits Support
- Speak with a member of Texas Health’s Benefit Support team by calling 1-877-MyTHRLink (1-877-698-4754) prompt 9 or emailing THRBenefitsSupport@texashealth.org.