United Health care

Managed Indemnity:   Health insurance allows your employees to choose any provider or hospital they wish. These indemnity plans contain managed care features to cover a percentage of covered medical expenses, once the annual deductible is met.

UnitedHealthcare Managed Indemnity Highlights:

• Freedom to choose any licensed medical provider or hospital
• No referrals needed to see specialists
• Initial deductible
• Percentage of expenses covered after deductible

Options PPO:  The Options PPO plan gives your employees access to a large network of doctors and hospitals with no referrals needed.

United Insurance Options PPO Highlights:

• Freedom to go to any physician or specialist
• Access to a nation-wide network
• Little or no out-of-pocket costs for network care
• Ideal for people who travel or have students in another state
• No claim forms or bills for network care
• Access to a nation-wide network
• Lower costs for network care

Pharmacy:   The three-tier payment program offers distinct co-payment levels for brand-name and generic drugs. The lowest co-payment level is for generic drugs, a higher co-payment for brand-name drugs on the Preferred Drug List, and the highest co-payment for brand-name drugs not on the formulary list.

Visit United Healthcare Website