What coverage? Make a game plan.

Understand what's covered by your health plan

What's covered by a health plan can vary - it's not just apples to apples. To find a plan that’s best for you, it is important to think about the coverage you’ll need for the year.

Plans cover network and out-of-network care providers differently

Each plan has agreed to cover care through a network of designated doctors, specialists, and facilities. Some plans only help cover care within its own network. Other plans are more flexible and agree to cover a part of the cost for out-of-network providers.

Plans cover preventive and diagnostic care differently

The care you receive is considered either preventive or diagnostic. Each health plan covers these differently.

Preventive care

Helps you stay healthier — before you have symptoms.

Diagnostic care

Helps you determine what's wrong — when you already have symptoms.

A doctor's visit could be considered:

Preventive
If you visit your doctor for a wellness checkup.

Diagnostic
If you visit your doctor because you have a cough that isn't getting better.

A mammogram could be considered:

Preventive
If you have a routine mammogram to screen for breast cancer.

Diagnostic
If your doctor orders a mammogram to learn more about a lump that was found.

A colonoscopy could be considered:

Preventive
If you have a routine colonoscopy but do not have symptoms.

Diagnostic
If your doctor does a colonoscopy based on symptoms you're having.


Plan for the coverage you need

We all have different coverage needs. Before picking a plan, it’s important to identify what kinds of care you’ll need and if your plan will help cover those costs.

1. Identify the coverage that's most important to you

Think through what coverage you'll need in the coming year and see which plan aligns the best.

2. Compare each plan's coverage details

Once you've identified the coverage you care about, there are at least two plan documents you can look at to identify what's covered.

3. Confirm coverage before you receive care

Don’t hesitate to ask questions and make sure you know what specifics your plan is covering before you receive care. If you have a health plan through UnitedHealthcare, visit your member website (myuhc.com®) or call the number on your health plan ID card to confirm what’s covered.

Picking a plan

Choosing UnitedHealthcare

UnitedHealthcare helps you balance cost and coverage.

Checklist to pick a plan

Find the right plan for you with this checklist.

Getting married checklist

Decide which plans are right for you and your spouse.

Having a baby checklist

Understand what plan coverage you may need for pregnancy and delivery.

Changing health needs checklist

Consider what plan coverage you may need for your health condition.

Health insurance made easier

Understanding coverage

How to plan for the coverage you need.

Sharing costs

See how you and your plan share costs.

Terms to know

Start talking the talk—and understand what it means for you.