Health Plan Options

: Open enrollment is October 30 – November 17.
Want help picking a plan? Start by reviewing what’s below, and for a little extra help, explore the UnitedHealthcare plan selection tool

What you’re getting

You have two plan options – the Triple choice Plan or the High Deductible Health Plan (HDHP). Whichever you choose, you’re signing up for quality care that goes where you go, and the extra support you need to get the most from your plan. With UnitedHealthcare, you get:

A national network of over 1.9 million+ providers and 6,700+ hospitals, so you can choose from a robust network of health care professionals and sites, including Mayo Clinics¹
A statewide network of 39,600+ providers and 90+ hospitals¹ that lets you stay within Arizona and is extensive enough to meet most of your health needs
Specialist visits without a referral, saving you time when a concern won’t wait
Mental health benefits, including virtual behavioral health visits and digital tools that make it easier to get help anywhere
24/7 Virtual Visits plus Virtual Primary and Virtual Specialty Care, giving you access to urgent or routine care around the clock – from doctors on myuhc.com® or the UnitedHealthcare app – anywhere you are
Condition management and wellness programs, to help you get – and stay – healthier, including the new OnePass Select™ fitness discount program with flexible membership options

Get a first look at how the plans work

See what makes the Triple Choice and High Deductible Health Plan options different.

Support above and beyond

You’ll get the information and advocacy to help you get the most of your health and wellness benefits:

24/7 Nurse Support lets you chat with a registered nurse anytime, day or night, for answers or guidance
If you have a device – computer, tablet or smartphone² – you can see a doctor or behavioral health specialist through virtual care
Advocacy for families who have children with complex medical needs offers one-stop support from a dedicated advisor, removing barriers and easing access to care
Rally® helps make it fun to take action for better health – physical, mental, and emotional – and may just earn you rewards
Real Appeal® is a digital program that helps guide, support and inspire you on your path to healthy weight management
Naviguard gives you help with unexpected, out-of-network medical bills over $300 by negotiating directly with providers on your behalf – at no additional cost with your plan (see the Resources)

All your health plan info in one place

The UnitedHealthcare secure member website, myuhc.com, is your personalized health plan hub, letting you search for care or see your plan information at a glance – on a smartphone, tablet or computer.

Easy care search for a provider, clinic, hospital or lab based on location, specialty, cost, services and more – plus, see how other patients rated them
Cost estimator that lets you estimate treatment costs before deciding where to go
Current claim information – whether claims history or their status right now – along with the ability to track, personalize and manage your claims
Benefit information and plan materials, including your Explanation of Benefits (EOB)
Options for replacing or printing a lost health plan ID card
Wellness tools, along with tips on healthier living and how to use your benefits to your best advantage
Care reminders, from when to schedule checkups and treatments to suggestions on immunizations, well visits, routine tests or lab work
24/7 Virtual Visits plus Virtual Primary and Virtual Specialist Care access, right from your member site

Did you know?: The UnitedHealthcare app lets you access many of the same services as on myuhc.com

Options that fit the way you live

Get a closer look at the distinctive benefits of the Triple Choice and High Deductible Health Plan plans.

Triple Choice Plan

This 3-tier plan is designed so that you’ll save the most when you choose Tier 1 providers – those recognized for helping you get the greatest value from your health benefits.

Preventive care is covered at 100% when you use a network provider
For other care, you’ll have a deductible to meet before the plan will start to pay; after that, you’ll be responsible for a copay with most services³
Nationwide coverage from our nationwide Tier 1 and Tier 2 networks, means one less stressor when you travel
- Tier 1 indicates those providers who meet quality and value standards, and includes all network hospitals, urgent care sites, labs, radiology facilities, medical equipment providers, mental health providers and surgical facilities
- Tier 1 providers are listed on myuhc.com® and the UnitedHealthcare app (just look for the blue dot!)
- Tier 2 consists of our extended network of quality network providers, so for some services you’ll pay more out-of-pocket with a Tier 2 provider than you would with Tier 1
TIER 1
Out-of-network providers (Tier 3) are also covered, but they will likely charge you more, and you will be responsible for filing your own claims
If you’re not yet a UnitedHealthcare member, you can find network providers easily with the online search tool (see the Providers section to learn how)

See your options side by side

High Deductible Health Plan

The High Deductible Health Plan option provides you both network and out-of-network coverage, including access to the UnitedHealthcare network of UnitedHealthcare Premium® Care Physicians.

Preventive care is covered at 100% when you use a network provider
For other care, you’ll have a deductible to meet before the plan will start to pay; after that, you’ll be responsible for coinsurance with most services³
Coverage from our robust nationwide network means one less stress when you travel
- Premium Care Physicians are screened to meet the UnitedHealth Premium quality care criteria which includes safe, timely, effective and efficient care
- Premium providers are listed on myuhc.com® and the UnitedHealthcare app (just look for the two blue hearts!)
Out-of-network providers are also covered, but they will likely charge you more, and you will be responsible for filing your own claims
With this plan, you’re eligible to open a health savings account (HSA), so you have a pre-tax way to save for qualified health costs
The HDHP plan is available to current employees only; retirees are not eligible
If you’re not yet a UnitedHealthcare member, you can find network providers easily with the online search tool (see the Providers section to learn how)

See your options side by side

Plan Year Deductible	January 1–December 31			January 1–December 31
	Triple Choice Plan			High Deductible Health Plan
	Tier 1 Network	Tier 2 Network	Tier 3 Out-of-network	Network	Out-of-network
	Deductible cross-applies to Tier 1 and Tier 2*
Individual	$200*	$1,000*	$5,000*	$1,600^	$5,000^
Family	$400*	$2,000*	$10,000*	$3,200^	$10,000^
Out-of-pocket limit
Individual	$7,350**		$8,700**	$3,500^^	$8,700^^
Family	$14,700**		$17,400**	$7,000^^	$17,400^^
Health savings account (HSA) employer contribution ^^^
Individual	Not applicable			$720^^^
Family	Not applicable			$1,440^^
Preventive care services Including preventive office visits, lab, radiology and other tests	No charge	No charge	You pay 50% after deductible	No charge	You pay 50% after deductible
Primary care office visit PCP: General practice, OB/GYN, internal medicine and pediatrician	You pay $20 copay after deductible	You pay $20 copay after deductible	You pay 50% after deductible	You pay 10% after deductible	You pay 50% after deductible
Specialist office visit	You pay $40 copay after deductible	You pay $40 copay after deductible	You pay 50% after deductible	You pay 10% after deductible	You pay 50% after deductible
Urgent care	You pay $75 copay after deductible	Same as Tier 1	You pay 50% after deductible	You pay 10% after deductible	You pay 50% after deductible
Emergency room (ER copay waived if admitted)	You pay $200 copay after deductible	Same as Tier 1	Same as Tier 1	You pay 10% after deductible	Same as Network
Inpatient hospital	You pay $250 copay after deductible	Same as Tier 1	You pay 50% after deductible	You pay 10% after deductible	You pay 50% after deductible
Behavioral health, mental health & substance abuse services
Inpatient	You pay $250 copay after deductible	Same as Tier 1	You pay 50% after deductible	You pay 10% after deductible	You pay 50% after deductible
Outpatient	You pay $20 copay after deductible	Same as Tier 1	You pay 50% after deductible	You pay 10% after deductible	You pay 50% after deductible
Maternity services Includes initial office visit, pre-natal, and post-natal care.	You pay $20 copay after deductible	Same as Tier 1	You pay 50% after deductible	You pay 10% after deductible	You pay 50% after deductible

Tips for using your plan

Whichever plan you choose:

Choose a primary care physician (PCP) who’s in the network
Schedule preventive care with your PCP – it’s covered at no extra cost when you use a network provider
Avoid going out-of-network whenever possible, as it may mean higher or surprise costs
Register for myuhc.com® to track your expenses, find network providers and get estimates
Use the UnitedHealthcare 24/7 Nurse Support whenever possible, 24/7, for guidance to appropriate care (at no additional cost)
Schedule 24/7 Virtual Visits as a less-expensive, more convenient alternative to urgent care or the emergency room

If you choose the Triple Choice Plan:

Choose a Tier 1 primary care physician
If you’re visiting a specialist, make sure the specialist is Tier 1 too – so you’ll pay the lowest out-of-pocket costs
Open a flexible spending account (FSA) to help pay for your medical, dental and vision expenses with pre-tax dollars
Be sure to use all the money you’ve put into your FSA so you don’t lose it when your plan year ends

If you choose the High Deductible Health Plan:

Choose a Premium Care Physician
Be sure to open your health savings account (HSA) with Optum Bank so you don’t miss out on contributions from your state agency
Try to also make your own HSA contributions, since the contributions are taken pre-tax
Note that some members deposit the difference in premium between High Deductible Health Plan and the Triple Choice Plan into their HSA

Footnotes

¹As of June 2023.
²Data rates may apply.
³Consult your plan materials for detailed benefit information.
*Tier 1 deductible also applies to Tier 2, and Tier 2 deductible also applies to Tier 1. Out of network deductible is separate and does not apply to Tier 1 or Tier 2 services. Deductible is per individual, not to exceed the stated amount per family. Copay or coinsurance applies after deductible has been met. Deductible does not apply to preventive care or pharmacy
**Deductible and copayments for covered medical and pharmacy services apply to the out of pocket maximum. Once the out of pocket maximum has been reached for the year, the Plan will pay 100% for all covered services the remainder of the year.
^If more than one person is covered under the Plan, the family deductible must be met before the Plan will start to pay. The deductible applies to all covered medical and pharmacy services.
^^If more than one person is covered under the Plan, the family out of pocket must be met. Deductible, coinsurance, and copays for covered medical and pharmacy services apply to the out of pocket maximum. Once the out of pocket has been met, the Plan will pay 100% for all covered services the remainder of the year.
^^^Applies to HDHP election only. Contribution made after account has successfully been opened with Optum Bank, Annual contribution calculation based on 26 pay period cycles of $27.69 individual / $55.38 family.

Virtual Education Center

State of Arizona

Open enrollment is October 30 – November 17.