Shopping for a health insurance plan? With a wide range of plans available, it’s likely you’ll find a UnitedHealthcare plan that’s right for you. Here are some popular plans to consider.
If you’re under 65, view short term or Affordable Care Act (ACA) plan options.If you’re over 65, turning 65 or have a disability or other special situation, explore Medicare plans.
If you have a low income or a special circumstance, view low-cost or no-cost plans. If you want enhanced coverage, find dental, vision, accident and more plan options.
Choosing the right type of plan for you will depend on things like your age, life situation and needs. Browse the plans below to see which plans may be right for you and your life.
Browse plans to help cover medical care and services if you’re under 65. Options include ACA plans and short term plans offering temporary coverage.
Over 65, turning 65 or qualify for Medicare because of a disability or other situation? Explore options for Medicare plans and prescription drug coverage.
View supplemental insurance plans, like dental and vision coverage. Plus, find cash-benefit plans like accident or critical illness insurance.
Medicaid is health insurance that’s available if you have a low income. Other people sometimes qualify for Medicaid, like pregnant women, children, older people or people with a disability.
If you have both Medicare and Medicaid, explore Dual Special Needs plans (D-SNP). You’ll keep your Medicare benefits and receive other valuable benefits.
Is your employer offering a UnitedHealthcare health plan? Learn how plans from UnitedHealthcare offer benefits to help match your needs.
Browse plans to help cover medical care and services if you’re under 65. Options include ACA plans and short term plans offering temporary coverage.
Over 65, turning 65 or qualify for Medicare because of a disability or other situation? Explore options for Medicare plans and prescription drug coverage.
View supplemental insurance plans, like dental and vision coverage. Plus, find cash-benefit plans like accident or critical illness insurance.
Medicaid is health insurance that’s available if you have a low income. Other people sometimes qualify for Medicaid, like pregnant women, children, older people or people with a disability.
If you have both Medicare and Medicaid, explore Dual Special Needs plans (D-SNP). You’ll keep your Medicare benefits and receive other valuable benefits.
Is your employer offering a UnitedHealthcare health plan? Learn how plans from UnitedHealthcare offer benefits to help match your needs.
When you’re shopping for a health plan, it’s a good idea to start by thinking about the expenses you want the plan to cover. Check to see if the benefits cover things that matter to you — like doctor visits, pharmacy costs or other specific care. Next, take some time to understand how the costs work. As you shop around, you’ll likely see words like premiums, deductibles and more. These terms will affect your budget — so it’s important to know what they mean. Read on to learn some basics that will help you be a more savvy shopper when you’re choosing a plan.
Health plans are designed to help take good care of you — and knowing how they work can help you get the most out of your benefits. ON-SCREEN TEXT: [How a health plan works] So, here’s how a health plan works. ON-SCREEN TEXT: [Premium] Each health plan has a premium, a routine payment. Paying your premium helps keep your plan active, so you can stay covered. ON-SCREEN TEXT: [Plan year starts You pay 100% Deductible] At the start of your plan year, you pay 100% of your covered health services until you meet your deductible. ON-SCREEN TEXT: [Deductible] Once your deductible is reached, your health plan starts sharing a percentage of the costs with you. ON-SCREEN TEXT: [Coinsurance You pay 20% Health plan pays 80% *Coinsurance may vary by service. This example is for illustrative purposes only. Review your coverage details at uhc.com.] This is what’s known as coinsurance. For example, you may pay 20% of a covered medical expense and your health plan will pay the remaining 80%. ON-SCREEN TEXT: [Copay] Along the way, you may pay a fixed amount — also known as a copay — for certain covered health services, like a doctor’s appointment. ON-SCREEN TEXT: [Out-of-pocket limit] Your health plan offers you further protection with an out-of-pocket limit, which is the most you could pay for covered services in a plan year. ON-SCREEN TEXT: [Coinsurance and copay] Coinsurance and copays count toward your out-of-pocket limit — but premiums don't. ON-SCREEN TEXT: [Health plan pays 100%] After you reach your out-of-pocket limit, your plan pays 100% of the cost. ON-SCREEN TEXT: [all that care can do for you] Now that you know how health plans work, it’s time to dig into your benefits and start experiencing all that care can do for you.
