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The State of Maryland has provided
a range of options for your health care benefits.
We at UnitedHealthcare would love the opportunity
to serve you.
In the next few minutes, I want to give you a sense
of what it would be like to say yes to UnitedHealthcare...
focusing on what matters most to you right now...
and in the future.
Before I go into the plan details to help you compare,
I thought you might like to know
a few of the top reasons others State of Maryland employees
and retirees enroll in our plans.
First, it's good to know that with UnitedHealthcare,
help is always just a call, email, or web chat away.
However you want to connect,
our dedicated team is ready to respond to your need.
Here's something that may make a difference to you:
We are close by, relatively speaking.
Our call center is right in Frederick.
From there, our Advocates: Answer questions
about your health care benefits, help you resolve a claim,
guide you in getting quality care,
answer your questions about a recent screening or test.
It's also good to know that in an emergency or if you need
hospital care, you are covered in Maryland.
Every hospital in the state is part of our network.
Members tell us they appreciate all the ways they can save
on eye care and hearing aids.
This includes 15% off or 5% below any special offer
on laser vision correction. 10% off on contact lenses.
Discounted prices on quality, digital hearing aids.
What's more, you can use your eye care benefits
at Warby Parker,
where, for every pair of glasses you purchase,
a pair is distributed to someone in need.
Or choose from more than over 156,000
vision provider access points nationwide,
including Visionworks, For Eyes, Costco, Walmart
and America's Best.
For coverage details, including exclusions and limitations,
see your official vision plan documents.
Savings are not the only way UnitedHealthcare
helps you look out for your vision health.
We also make it easier to stay on top of changes
in your vision.
Introducing ExpressExam,
which lets you renew your eyewear prescription
without leaving home.
If you have a phone or computer and 10 minutes to spare,
you can take your eye exam virtually, online, and have it
reviewed by a certified ophthalmologist.
Once you're approved,
your new or renewed prescription
should be available within hours -
ready for you to take advantage of our savings on eyewear.
What's another way we make it fun to stay healthy?
The UnitedHealthcare One Pass program
offers a variety of ways
to get started on a fitness routine.
Whatever kind of workout you enjoy,
from swimming and spin class
to strength training and yoga,
One Pass helps you save on membership.
With our tiered pricing,
you can access from 11,000 gyms to 16,000 gyms
and premium fitness facilities in person,
so you're likely to find a location nearby.
Or if you prefer the privacy and convenience
of home workouts, we offer a digital-only version.
Each tier has a one-time enrollment fee,
then reduced monthly membership rates.
All you have to do to get started is log into myuhc.com
and navigate to My Health and Wellness.
If your benefits include a Flexible Savings Account,
or FSA, the Optum Store can help you get the most from it.
Because the "store" is an integrated digital marketplace,
it not only helps you save on day-to-day health
and wellness products,
it can also save you the trip to the drugstore.
The Optum Store offers: A large, and constantly growing,
variety of over-the-counter and personal care products,
along with essential medical devices and testing products.
A simple way to identify your FSA-eligible products
from non-eligible ones
(just look for the symbol) - plus a "smart" shopping cart
that separates them out for you.
An intuitive checkout experience,
just like any other online store,
whether paying with your FSA or credit card.
Please note that the FSA is a separate election
under the State Health Plan.
Our members also appreciate that-perhaps more than ever-
the pressures of life can get overwhelming.
UnitedHealthcare is at your side with help
with: Substance use and recovery.
Depression, anxiety and stress.
Grief and loss. Relationship difficulties and more.
Getting help can be as easy as using an app or connecting
online to a behavioral health provider.
I talked about key reasons other members
say yes to UnitedHealthcare.
Now let's look at the two plan options.
It's easy to choose the plan right for you,
when you consider what you need most.
Which best describes you?
Will you likely stay in the network
for your health care needs?
Or do you want care that may be out-of-network?
If you will stay in the network,
consider the UnitedHealthcare Choice EPO plan.
With the Choice EPO, you can choose any doctor, clinic,
hospital, or health care facility in our national network.
If you do get out-of-network care,
you will have to pay all of the costs.
You don't need to choose a primary care provider (or PCP).
But we suggest you consider having a PCP;
they can be helpful in managing your care.
You don't need to get referrals to see a specialist.
And preventive care is covered 100%
in our network.
When it comes to paying for network care,
here are examples of basic costs:
The copayment for a PCP visit is $15
and for a specialist visit it is $30.
You pay no deductible for either the single plan
or family plan.
Your coinsurance coverage is 100%,
meaning you are fully covered.
And for your maximum copay out of pocket,
the most you will pay is $1,500 a year
for the single plan
or $3,000 for the family plan.
This policy contains exclusions and limitations.
For coverage details,
please see your official health plan documents.
If you may need care that is out of network,
consider the UnitedHealthcare Choice Plus PPO plan.
Unlike the other plan, with this Plus plan,
you will have coverage if you need to go out of network.
With the Choice Plus PPO, you can use any doctor, clinic,
hospital or health care facility and be partially covered.
Specifically, if you use the national network,
your coinsurance is 90% - meaning you pay 10%.
If you go outside the national network,
your coinsurance is 70% - so you pay 30%.
You can save the most money
when you use the national network.
Choose what's best for you.
Just remember that out-of-network providers will likely
charge you more and can even bill you for amounts higher
than what your plan will cover.
As with the other plan,
you don't need to choose a primary care provider (PCP)
or get referrals to see a specialist. But again,
we suggest you consider having a PCP;
they can be helpful in managing your care. And preventive
care is covered 100% in our network.
Let's look at an example of the costs with this plan:
The copayment for a PCP visit is $15
and for a specialist visit it is $30.
You pay no deductible for either the single plan
or family plan if you are in the network.
If you go out of network,
you pay $250 for a single plan
and $500 for a family plan
before your plan starts to pay for covered services.
Your coinsurance coverage is 90% in the network
and 70% out of network, after you pay the deductible.
And for your maximum copay and coinsurance out of pocket,
the most you will pay in the network is $2,000 a year
for the single plan or $4,000 for the family plan.
If you go out of network,
the most you will pay yearly is
$3,250 for the single plan
or $6,500 for the family plan.
This policy contains exclusions and limitations.
Again, for coverage details,
see your official health plan documents.
It can be helpful to see the plans side by side.
The biggest difference is in the out-of-network care.
Choice Plus PPO will cover out-of-network care,
although it will likely be at a higher cost to you.
What do we mean by national network?
Whether you're home, traveling domestically
or you have a covered child going to school out-of-state,
our network providers are likely nearby.
Our network includes: Over 1.7 million physicians
and health care professionals. More than 7,000 hospitals.
When you receive covered services
from providers in the network,
you save money because these providers have agreed to offer
services at a discounted rate.
You may also save time because network providers secure
approvals for services and submit your claims
to UnitedHealthcare for you.
It's important to note that UnitedHealthcare network
providers meet the highest standards and are held
accountable for the quality of the care they deliver.
Common covered services include: Doctor office visits,
hospital care and much more.
This is not the complete list of covered services.
For more details, see your official health plan documents.
Beyond what we've already covered,
choosing UnitedHealthcare also means...
Easy, instant access to your plan online and on the go
with award-winning tools designed
to help you manage your plan.
As soon as your coverage begins,
you can register at myuhc.com, where you can see
all of your health plan information
in one easy-to-find place.
Use the site to: Track claims, pay bills,
refill prescriptions and more.
And, get easier access to your health plan
with the UnitedHealthcare® app.
Find nearby care options in your network.
Video chat with a doctor 24/7 - without leaving the app.
See your claim details
and view progress toward your deductible.
View and share your health plan ID card.
The UnitedHealthcare® app is available
for download for iPhone® or Android.
Choosing UnitedHealthcare means care anytime,
day or night, with 24/7 Virtual Visits.
From treating flu and fevers to caring for migraines
and allergies, you can talk to a doctor by video or phone.
You'll find that this can be ideal for common medical
conditions such as allergies, eye infections, rashes,
bronchitis and more.
You can also get quick and easy access
to behavioral health professionals
from your mobile device, tablet or computer.
What's more,
you can also visit with your primary care provider
or specialist virtually.
It's an ideal way to build an ongoing relationship
with a provider and team
who know your health history and needs.
They can also guide you to in-person care when you need it,
for things like lab work, imaging and more.
Right now, our virtual specialist visits
give you online access to doctors in 4 key specialties -
dermatology, gastroenterology,
migraine care and speech therapy.
And if those aren't your health concerns, don't worry;
we're working on adding new specialties to the list.
Whichever kind of virtual visit you need,
getting started is easy.
Just go to myuhc.com or the UnitedHealthcare® app.
The costs and coverage for 24/7 Virtual Visits may vary.
Please check your official health plan documents
for details.
With UnitedHealthcare, you can take action
to reduce or completely waive your copays
by completing health incentive activities.
Rally® is a digital experience on myuhc.com,
that's designed to help you make
healthy changes to your daily routine,
set smart goals and track your progress.
Get personalized recommendations to help you move more,
eat better and improve your health - and have fun doing it.
Earn credits for taking healthy actions,
connect with a community of people
and get the support you need to stay motivated.
Choosing UnitedHealthcare also gives you a proven program to
guide you to a healthier weight for life.
Whether you want to lose or maintain your weight,
try Real Appeal®,
an online weight management program focused
on making small changes to help you live a healthier life.
It includes: Help setting nutrition, fitness
and weight goals that are realistic and achievable to you.
A personal dashboard that lets you track your progress
toward those goals daily.
An online coach who leads group sessions and provides
guidance tailored to your lifestyle.
24/7 online support and a mobile app
to help you reach your goals.
A community of members working towards similar goals
who you can share the experience with.
You'll even get a Success Kit, which includes scales,
a portion plate and more,
after you attend your first live group session.
Learn more about Real Appeal
at uhc.realappeal.com.
And if you want to overcome dependence on tobacco,
the Quit For Life program may help.
With UnitedHealthcare, you can get the latest
in digital and online tools such as a website, app,
Quit Coach®, text messaging and more.
We've talked about many reasons to choose UnitedHealthcare
based on how it can most help you today...
but also think about what you may need tomorrow.
This is just a sampling of the in-depth, proven programs
we offer to: Provide robust maternity support,
help you breathe easier, successfully manage diabetes,
consider weight loss surgery,
face cancer with expert, personal support,
manage kidney disease,
support you through an organ transplant.
There really are so many reasons UnitedHealthcare
may be right for you.
Thank you for taking this time to learn more
about your benefit options with UnitedHealthcare.
We would love the opportunity to serve you with what matters
most to you right now ... and in the future.
Please choose the UnitedHealthcare Choice
or Choice Plus plan and relax knowing
you have secured your health care for the year ahead.
To learn more,
visit us online or give us a call
and we'll answer your specific questions.
We're excited to talk with you.
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