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.st0{fill:#;} .st1{fill:#FFFFFF;}TrytheUnitedHealthcareappMemberscangetinstantaccesstomanehealthplandetails,requestmemberIDcards,findcareandmore.window.UHCFoundation.initComponent('TextRTE');DownloadtheappDownloadtheappSpendyourFSAdollarsHemoneyinyourflexiblespendingaccount(FSA)?Makesuretouseitbeforetheendof2024. window.UHCFoundation.initComponent('TextRTE');LearnmoreaboutFSAsFrequentlyaskedquestionsWhatishealthinsurance?Healthinsuranceisaplan,orpolicy,thatcoversapercenteofdoctors’visitsandhospitalbills.Ithelpsoffsetthecostsofbothplannedandunplannedmedicalneeds.Medicalcarecanbeexpensive,buthealthinsurancemayhelplessenthefinancialburden.Andhealthinsuranceisn’tjustforwhenyou’resickorinjured.ItcanalsohelpyoustayheaPiani di assicurazione sanitaria per privati e privati Famiglia, datori di lavoro, medico | UnitedHealthcarelthythroughpreventivecareandwellnessprograms.Thismayhelpyousemoney,too,bycatchingpotentialhealthconcernsbeforetheybecomelargerissues.window.UHCFoundation.initComponent('TextRTE');Howdoeshealthinsurancework?Healthinsuranceisacontractbetweenyouandaninsurancecompany(theinsurer).Whenyoupurchaseaplan,youbecomeamemberofthatplan.Eachmonth,you’lllikelypayafee,calledapremium,tousetheplan.Therearemanydifferenttypesofhealthplans,buttheygenerallyworkthesameway.Youpayforsomemedicalcostsandyourinsurerpaysforsomecosts.Howthosecostsbreakoutdependonyourspecificplanbenefitsandcovere.window.UHCFoundation.initComponent('TextRTE');LearnmoreabouthowhealthinsuranceworksHowdoIgethealthinsurance?Findingtherighthealthinsuranceplandependsonavarietyoffactors.Theseincludethingslikeyoure,healthandfinancialsituation.Forexample,ifyou’reover65orheaqualifyingdisabilityorspecialsituation,youmaybeeligibleforMedicare.Ifyouhealowerincome,youmayqualifyforMedicaid.Ifyouwanttopurchaseanindividualplan,anAffordableCareAct(ACA)plancouldbeanoption.Or,youmayhetheoptiontogethealthinsurancethroughyouremployer.Mosthealthinsuranceplansheaspecialperiodoftime,usuallyonceayear,whenyoucanenroll.Thisiscalledopenenrollment.It’swhenyoucanstart,stoporchangeyourhealthplan.Timingofopenenrollmentvariesbasedontheplan.window.UHCFoundation.initComponent('TextRTE');LearnmoreaboutopenenrollmentWhatarethedifferenttypesofhealthinsurance?Thereareavarietyofhealthinsuranceplansthatfitdifferentneeds.Someplansareofferedthroughthegovernment,likeAffordableCareAct(ACA)plans,MedicareplansandMedicaidplans.Therearealsohealthplansyoucangetthroughyouremployer.Or,youcanpurchaseaplanonyourown,likeshorttermhealthinsurancethatofferscovereforalimitedamountoftime.Understandingthedifferenthealthinsuranceoptionscanhelpyoufindtheplanthatmayworkbestforyou.YoumayalsoseetermslikeHMO,PPO,EPOandPOS­—theserefertothefourbasickindsofprovidernetworksthatcertainhealthplansmayoffer.Anetworkmayincludedoctors,hospitalsandotherprovidersthatreetoprovideservicestoplanmembersatanegotiatedrate.Thismayhelploweryourout-of-pocketcosts.window.UHCFoundation.initComponent('TextRTE');LearnmoreaboutthedifferenttypesofhealthinsuranceHowmuchdoeshealthinsurancecost?Itdepends.Avarietyoffactorsimpacthowmuchyoupay.Thesecanincludeyoure,yourlocationandlifestylehabits.Italsodependsonthetypeofplanyouchoose.Withsomeplans,youmaypaylessupfront,butmorewhenyoureceivecare.Forotherplans,theoppositecanbetrue.window.UHCFoundation.initComponent('TextRTE');LearnmoreabouthealthinsurancecostsWhatdoeshealthinsurancecover?Covereisuniquetoeachhealthplan.Manyplansmaycoverthingslikepreventivecare,prescriptiondrugs,hospitalstays,mentalhealthservicesandmore.Aplanmaycoverthefullcostofcertainservices,oryoumayhetosharecosts(bypayingacopayorcoinsurance,forexample)untilyoumeetadeductibleorout-of-pocketlimit.Makesuretoreviewbenefitsandcoverebeforechoosingaplan.Youcanfindthisinformationintheplan’sSummaryofBenefitsandCovere.Thisisadocumentthatallhealthplancompaniesarerequiredtoprovide.Itoutlineswhat’scovered,partiallycoveredornotcoveredunderahealthplan.window.UHCFoundation.initComponent('TextRTE');LearnhowtoreviewaSummaryofBenefitsandCoverewindow.UHCFoundation.initComponent('CollapsibleContent');LearnmoreabouthealthinsuranceHereforyouinwaysbigandsmallUnitedHealthcareisdedicatedtobeingthereforwhatmatters.Seewhatyoucanexpectwhenyouchooseusasyourhealthcarepartner.window.UHCFoundation.initComponent('TextRTE');{"@context":"schema.org","@type":"VideoObject","name":"Beingthereforwhatmatters","description":"UnitedHealthcareisdedicatedtobeingthereforwhatmatters.Seewhatyoucanexpectwhenyouchooseusasyourhealthcarepartner.","thumbnailUrl":["/content/dam/uhcdotcom/en/Videos/brightcove-video-thumbnails/-Thumbnail-v3.jpg/_jcr_content/renditions/cq5dam.web.1280.1280.jpeg"],"uploadDate":"2023-12-19"}BeingthereforwhatmattersVideotranscriptVideotranscriptVideotranscript[TextOnScreen-UnitedHealthcare]MALE:Beingthere,weknowitcanmakeallthedifferenceintheworld–toyourfamily,[VIDEOOPENSWITHATHREEGPiani 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UnitedHealthcareENERATIONFAMILYSITTINGTOGETHERONAPORCH,THEUNITEDHEALTHCARELOGORIBBON,GLIDESACROSSTHESCREEN]toyourhappiness,[THERIBBONCONTINUESTOTHENEXTSCENEOFABOYANDAGIRLATABUSSTOPWEARINGMATCHINGSHORTFRACTUREWALKERBOOTS.]toyourhealth.[SHOTOFADOCTORTALKINGTOAPATIENT]That'swhyatUnitedHealthcare,we'rededicatedtobeingthereforwhatmatterstoyou,everyday,[AMOTHERANDTWODAUGHTERSAREDRIVINGTOKARATELESSONS,THEYOUNGESTDAUGHTERRUBSHEREAR,THESCENETRANSITIONSTOMOMCALLINGUHCFORATELEVISIT]inwaysbig,andsmall.[AMANJOGSWITHADOGONALEAD]Helpingsimplifyyourhealthcareexperience.[AUNITEDHEALTHCAREREPRESENTATIVETALKSTOACOUPLE]Workingtohelpmakequalitycaremoreaffordable,andaccessible,[AFATHERANDTWOSONSWALKINTOADRUGSTORE/PHARMACY,FATHERUSESTHEUHCAPPTOVIEWTHETRANSACTIONDETAILS]andofferingpersonalizedsolutionsandsupport,[AMONTEOFDIFFERENTSERVICESBEINGOFFEREDBYDOCTORS,HEALTHCAREWORKERSANDCUSTOMERSERVICEREPRESENTATIVES]becausewebelieveeveryonedeservesahealthcarepartnerwhoneverquits,oneyouknowwillbethere.[ACHILDWITHACASTJUMPSINTOASWIMMINGPOOL]UnitedHealthcare,thereforwhatmatters.[TextOnScreen-UnitedHealthcareThereforwhatmatters™]LatestnewsandarticlesViewmorearticleswindow.localStorefooter={"heading":"MoreUHCresources","columnDetailsJsonStr":[{"enableSeparator":false,"categoryHeading":"UHCHealthMatters","bodyCopy":"","links":[{"linkId":"75","linkTarget":"_self","linkText":"Newsroom","url":"/news-articles/newsroom","ariaLabel":""},{"linkId":"50","linkTarget":"_self","linkText":"Community","url":"/news-articles/community","ariaLabel":""},{"linkId":"2","linkTarget":"_self","linkText":"Medicarearticles","url":"/news-articles/medicare-articles","ariaLabel":""},{"linkId":"2","linkTarget":"_self","linkText":"Allnews&articles","url":"/news-articles","ariaLabel":""}]},{"enableSeparator":false,"categoryHeading":"Health&wellness","bodyCopy":"","links":[{"linkId":"61","linkTarget":"_self","linkText":"Preventivecare","url":"/health-and-wellness/preventive-care","ariaLabel":""},{"linkId":"","linkTarget":"_self","linkText":"Vaccines","url":"/health-and-wellness/health-topics/vaccines","ariaLabel":""},{"linkId":"03","linkTarget":"_self","linkText":"Flushot","url":"/health-and-wellness/health-topics/flu","ariaLabel":""},{"linkId":"38","linkTarget":"_self","linkText":"Allhealth&wellnesstopics","url":"/health-and-wellness","ariaLabel":""}]},{"enableSeparator":false,"categoryHeading":"MoreUHCsites","bodyCopy":"","links":[{"linkId":"","linkTarget":"_self","linkText":"Employers","url":"/employer","ariaLabel":""},{"linkId":"18","linkTarget":"_self","linkText":"ents&brokers","url":"/ents-brokers","ariaLabel":""},{"linkId":"9","linkTarget":"_self","linkText":"Providers","url":"/","ariaLabel":""}]}]};window.globalStorefooter={"disclaimer":"","followusLabel":"Followus","footerLinksJsonStr":[[{"linkId":"6","linkText":"Contactus","linkTarget":"_self","url":"/contact-us","ariaLabel":""},{"linkId":"34","linkText":"Careers","linkTarget":"_self","url":"/about-us/careers","ariaLabel":""},{"linkId":"8","linkText":"Aboutus","linkTarget":"_self","url":"/about-us","ariaLabel":""},{"linkId":"89","linkText":"Accessibility","linkTarget":"_self","url":"/legal/accessibility","ariaLabel":""}],[{"linkId":"3","linkText":"Privacy","linkTarget":"_self","url":"/privacy","ariaLabel":""},{"linkId":"57","linkText":"Termsofuse","linkTarget":"_self","url":"/privacy/terms-of-use","ariaLabel":""},{"linkId":"42","linkText":"Legal","linkTarget":"_self","url":"/legal","ariaLabel":""},{"linkId":"94","linkText":"Langueassistance","linkTarget":"_self","url":"/legal/nondiscrimination-and-langue-assistance-notices","ariaLabel":""}],[{"linkId":"9","linkText":"Nondiscrimination","linkTarget":"_self","url":"/legal/nondiscrimination-and-langue-assistance-notices","ariaLabel":""},{"linkId":"54","linkText":"Healthcarefraud","linkTarget":"_self","url":"/fraud","ariaLabel":""}]],"followUsLinksJsonStr":[{"linkId":"50","linkText":"Facebook","linkTarget":"_blank","url":"/UnitedHealthcare","ariaLabel":"FacebookOpensanewwindow","iconPath":"/content/dam/uhcdotcom/website-assets/icon-facebook-white.svg"},{"linkId":"5","linkText":"Instram","linkTarget":"_blank","url":"/unitedhealthcare/","ariaLabel":"InstramOpensanewwindow","iconPath":"/content/dam/uhcdotcom/website-assets/icon-instram-white.svg"},{"linkId":"99","linkText":"YouTube","linkTarget":"_blank","url":"/UnitedHealthcare","ariaLabel":"YouTubeOpensanewwindow","iconPath":"/content/dam/uhcdotcom/website-assets/icon-youtube-white.svg"},{"linkId":"5","linkText":"LinkedIn","linkTarget":"_blank","url":"/showcase/unitedhealthcare/","ariaLabel":"LinkedInOpensanewwindow","iconPath":"/content/dam/uhcdotcom/website-assets/icon-linkedin-white.svg"}]};window.UHCFoundation.dictionary={"focusTrapVO_Alpha":"Startofmenu","focusTrapVO_Omega":"Endofmenu"}