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Narrator: 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
other 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
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 100,000
other eye care locations nationwide,
including Visionworks, For Eyes, Costco,
Walmart and America's Best.
For coverage details, including exclusions and limitations,
see your official vision plan documents.
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 licensed therapist 24/7.
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 network for your health care needs?
Or do you want care that may be out-of-network?
If you will stay in network,
consider the UnitedHealthcare Choice EPO Plan.
With the Choice EPO,
you can use any doctor, clinic, hospital
or health care facility in our national network.
If you do go out-of-network,
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.
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.
Unlike the other plan,
with this Plus plan you will have coverage
if you need to go out of 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 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 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 network is $1,000 a year
for the single plan
or $2,000 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 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 have a covered child going to school out of state,
our network providers are likely nearby.
Our network includes more than 1.2 million physicians
and health care professionals,
more than 6,100 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.
Use a behavioral health virtual visit for needs
such as: depression, anxiety, ADD and ADHD,
addiction and mental health disorders and counseling.
Connect with a provider from your mobile device,
tablet, or computer from the comfort of home.
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 in losing weight and keeping it off.
Whether you wanna lose a lot of weight
or just a few extra pounds,
try Real Appeal®,
an online weight loss program
focused on making small changes
to help you live a healthier life.
It includes an online coach who leads ongoing group sessions
and provides guidance tailored to your unique lifestyle.
24/7 online support and a mobile app
to help reach your goals.
You can even qualify for a Success Kit,
which includes a weight scale, exercise tools,
food guides and more
delivered to your door.
Learn more about Real Appeal at uhc.realappeal.com.
And if you wanna overcome dependence on tobacco,
the Quit for Life® program may help.
With UnitedHealthcare,
you 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 of 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 are really 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.
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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