UnitedHealthcare Choice Plus PPO Plan 2025

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.
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The UnitedHealthcare Choice Plus Network is our largest network, offering members convenient access to providers locally and nationwide. Members enrolled in these plans do have coverage outside of the network, but can expect a lower benefit level.
How a PPO Plus HSA Plan Works. Members pay all medical costs, including non-preventive prescriptions, out of pocket until the deductible is met. At that point, the plan pays for 100% of covered expenses. Its important to know: PPO Plus HSA plans are HSA-compatible.
With UnitedHealthcare Choice health plans, you have the freedom to choose a network physician or specialist from the UnitedHealthcare Choice network without visiting a primary care provider () for a referral. You save money when you use the national network.
However, if youve already got a health plan and dont know which plan type you have, you can check your insurance card or contact your insurance provider directly. If you have an online account through your provider that allows you to access plan details, you can also start there.
Despite the higher deductible in the Choice Plus with HSA, you may find it offers you the best opportunity to spend less on health care in 2025 when you take into account both up front premiums and out-of-pocket costs.
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PPO, meaning preferred provider organization, refers to its network of contracted PPO providers. Think of the plans preferred providers as those who can offer care at the lowest out-of-pocket cost (compared to out-of-network providers).
The United Healthcare (UHC) Choice Plus plan is a PPO plan that allows you to see any doctor in their network including specialists without a referral. United Healthcare has a national network of providers; however, you may use any licensed provider you choose.

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