The following Commercial Health Plans are offered in Florida. Open the section below to view more information. Show Expand All add_circle_outline The All Savers® Alternate Funding Plans are self-funded health plans that can help employees pay everyday health care expenses before they meet their deductible. Employers can also purchase UnitedHealthcare dental and vision plans and fully insured group life insurance.
Members with All Savers Plans have access to the UnitedHealthcare® Choice, UnitedHealthcare Choice Plus and UnitedHealthcare Core networks with the exception of Mayo Clinic facilities. All Savers Insurance Company (ASIC) is a UnitedHealthcare company. To check member eligibility and claims status for a patient enrolled in an All Savers Plan, go to provider-allsavers.optum.com/. Surest, a UnitedHealthcare company, administers a health plan without a deductible or coinsurance. Members have access to the nationwide UnitedHealthcare and Optum Behavioral Health networks and can check costs and care options in advance. Some members have the Surest Flex plan, which includes the feature of flexible coverage. For a small number of plannable tests, procedures or treatments, the member must activate coverage at least 3 business days in advance of the service. Claims: All claims must be sent directly to the Surest Payer ID 25463 or by mail to P.O. Box 211758, Eagan, MN 55121. Please include the subscriber ID and rendering address on the claim to help us confirm the copay/member price. Eligibility and benefits: To check member eligibility and benefits, visit the UnitedHealthcare Shared Services (UHSS) Provider Portalor call UHSS Provider Services at 844–368–6661. You’ll need to provide the subscriber ID if you’re requesting information about a dependent. For more information, please visit UHCprovider.com/surest. The UnitedHealthcare Choice and Choice Plus health plans allow members to choose a physician or specialist from the UnitedHealthcare Choice networks but do not need a referral to receive benefits.
Preventive care, including immunizations and preventive exams and health screenings, is covered at 100 percent in our UnitedHealthcare Choice and UnitedHealthcare Choice Plus networks. UnitedHealthcare Choice Advanced health plans allow members to choose a physician or specialist in the UnitedHealthcare Choice networks and do not need a primary care physician or referral to receive benefits. There is out-of-network coverage for emergency services only.
UnitedHealthcare Choice Advanced members have lower copays and/or greater coinsurance when they use UnitedHealth Premium® Tier 1 2-star care providers. UnitedHealthcare Choice Advanced and UnitedHealthcare Choice Advanced Plus build on Choice and Choice Plus plans with additional features for both members and employers. UnitedHealthcare® Core and Core EssentialUnitedHealthcare Core health plans allow members to choose a network physician or specialist without a referral (open access). The UnitedHealthcare Core network is narrowed in some states.
An array of health and wellness resources are available to members including the Online Health Assessment, Personal Health Record and Online Health Coaching modules. Tools & Resources
UnitedHealthcare EDGE health plans allow members to choose a network physician or specialist but don’t need a referral (open-access). Some UnitedHealthcare EDGE plans provide access to network and non-network care providers so members can seek care from any care provider they choose, but at a lower co-insurance/deductible level for network care providers. By seeking care from Tier 1 care providers, members can maximize their in-network benefits based on UnitedHealthcare’s evaluation. UnitedHealthcare EDGE plans provide medication benefit coverage through a four-tier pharmacy plan. UnitedHealthcare EDGE plans include health and wellness programs, services and discounts from UnitedHealth Wellness®. UnitedHealthcare Navigate®The UnitedHealthcare Navigate health plans encourage members to use their primary care provider (PCP) to coordinate care across a wide spectrum of health services and enter electronic referrals to network specialists. The UnitedHealthcare Navigate network is narrowed in some states.
Changes to PCP selection are permitted once per month. Changes submitted on or before the 31st of the month will be effective on the first day of the following month. Tools & Resources
UnitedHealthcare® NexusACO®The UnitedHealthcare NexusACO suite of products offers cost-saving opportunities to members when they seek care providers from a select group of Accountable Care Organizations (ACO) nationwide. There is out-of-network coverage for emergency services only. UnitedHealthcare NexusACO Plans – Open Access
UnitedHealthcare NexusACO Plans – Referral Required
All UnitedHealthcare NexusACO members are required to select a primary care provider (PCP) within the network to provide their preventive care, treat chronic conditions, manage medications and enter specialist referrals. Changes to PCP selection are permitted once per month. Changes submitted on or before the 31st of the month will be effective on the first day of the following month. Tools & Resources
UnitedHealthcare Options PPO health plans allow members to choose a network physician or specialist without a referral (open-access).
UnitedHealthcare Options PPO offers two levels of coverage: a higher level of benefits for in-network services, and a lower level of benefits for non-network services, with somewhat higher deductibles and coinsurance. What is Choice Plus HMO?Choice Plus plans provide well-rounded coverage for many services including: Preventive care (100% at network facility) Physician and specialist office visits. Lab, X-ray and diagnostic services. Urgent care, emergency services.
What is the difference between HMO and PPO United Healthcare?You may have lower out-of-pocket costs from the PPO provider than you would out-of-network. However, PPOs differ from HMOs and EPOs by allowing you benefits for out-of-network care when you want, but possibly at a reduced level of coverage and benefits.
Is UnitedHealthcare select plus a PPO?The UnitedHealthcare/UMR Select Plus PPO (UHC/UMR) plan allows you to use any provider you want. Doctor/Health Care Providers: You can choose any doctor you want, and you can go to any hospital or pharmacy.
Which is better a HMO or PPO?HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.
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