UnitedHealthcare Choice 2500

UnitedHealthcare Choice 2500 (plan option begins Jan. 1, 2023)

*Health Savings Account eligible*

PLAN OVERVIEW

The UnitedHealthcare Choice 2500 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 2500 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

  • Network Doctors: Doctors that take UnitedHealthcare insurance are considered “network” providers.  All network provider services will receive the same level of benefit coverage, i.e., there are no tiers for doctors.
  • Preferred Hospitals (sometimes called Tier 1): Preferred Hospitals are a select group of hospitals within the UnitedHealthcare Choice network. When you use Preferred Hospitals, you will receive the highest level of benefit coverage and pay the lowest out-of-pocket costs. To see a list of Preferred Hospitals, click here.
  • Network Hospitals (sometimes called Tier 2): Any hospital within the UnitedHealthcare Choice network. Your cost is higher when you go to a Network Hospital that is not considered a Preferred Hospital. 
  • Out-of-Network: There is no coverage under this plan option for services or care you receive from a doctor or hospital that is not in network unless it is for a true emergency.

To find a doctor or facility in the UHC Choice network: 

  1. Visit WhyUHC.com/thr
  2. Click Health Plans
  3. Select a plan option 

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 Plan 2500

UHC Choice Network Doctors, Preferred Hospitals and Free-standing Facilities7

UHC Choice
Network
Hospitals

Network

National network with preferred hospitals

Deductible

$2,500 individual
$4,500 family

$4,000 individual
$12,000 family

Medical and Rx Out-of-Pocket Maximum1

$6,750 individual
$13,500 family

HSA

Employees may contribute up to the IRS maximum limit of $3,850 (employee only coverage) or $7,750 (employee + family coverage)6. The Health Savings Account comes with: 

  • $19.23 per pay period for employee only coverage 
  • $38.46 per pay period for employee + family coverage 

Office Visits

Full deductible, then 10%

Maternity Office Visits

Full deductible, then 10%

Inpatient Hospital Care

Preferred Hospital: Full deductible, then 10%
UHC Choice Network Hospital: Full deductible, then 70%

Virtual Care Services: Doctor on Demand, AmWell or Teladoc

Full deductible, then $0

Emergency Room

Full deductible, then 10%

Urgent Care Center

Full deductible, then 10%

Outpatient Surgery2

Full deductible, then 10%

Full deductible, then 70%

Routine Physicals3

$0

Well-Woman/Man Exams (Including Pap Test or PSA Test)3

$0

Well-Child Care
(Including Immunizations)3

$0

Colonoscopy3

$0

Mammography4

$0

Outpatient Diagnostic Lab & X-ray (Excluding MRI, CT, PET Scans)2

Full deductible, then 10%

Full deductible, then 70%

MRI, CT & PET Scans2

Full deductible, then 10%

Full deductible, then 70%

Outpatient Therapy5

Full deductible, then 10%

Full deductible, then 70%

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

2 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. Check with your insurance carrier to verify whether a facility and/or doctor is covered under your plan and to learn how much your coinsurance would be.

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 For the purposes of HSA enrollment, Employee + Family coverage includes Employee + Spouse, Employee + Children, or Employee + Family coverage.

7  If you have a medical condition that requires care at a facility that is not on the Preferred Hospital list, contact UnitedHealthcare PRIOR to receiving care/treatment. If expertise is limited at the facilities on the Preferred Hospital list, meaning you are not able to get treatment at a Preferred Hospital, your benefits may be pre-approved to be paid as though you had used a Preferred Hospital (ie: your benefits may pay at a higher level, lowering your cost for services). However, this only applies if UnitedHealthcare pre-approves the covered services/supplies for the condition to be provided by or arranged by a designated facility/other provider not on the Preferred Hospital list. The pre-approval by UnitedHealthcare must be completed prior to care being received. If you have any questions or issues, please contact Benefits Support at 1-877-698-4754 prompt 9.

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.

WHO DO I CONTACT WITH QUESTIONS?

  • UnitedHealthCare:
    • Phone: 1-877-698-4754, prompt 2 press 2
    • Web: myUHC.com
  • Benefits Support