We have three medical plan options through United HealthCare. One option is a PPO plan, one is an EPO plan (no out of network services), and one is an HSA compatible plan. See summaries and links below for more information.
Both the PPO and EPO plans have a $0 primary care copay for kids under 19.
PPO – This plan has in and out of network benefits. It has copays for the little things such as doctor’s visits and prescriptions.
EPO -This plan has in network benefits only and no out of network benefits. It has copays for the little things like doctor’s visits and prescriptions.
HSA – This is a high deductible HSA compatible plan. It has in and out of network benefits, but you must pay the contracted rate with the provider and meet your deductible before copays or coinsurance applies.
All plans include telemedicine through Healthiest You. This is telemedicine 24 hours a day, 7 days a week.
CVS in no longer in network with new UnitedHealthCare Plans.
You can search for a provider below. The PPO and HSA plan use the Choice Plus network. The EPO plan uses the Choice network. There is almost a 100% overlap of these networks.
You have two dental options to choose from. Both of these plans provide comprehensive coverage to help you and your family maintain good dental health. Providers on both plans are part of the Dental Select Platinum Co-Insurance network, or you may see an out-of-network dentist of your choice. Both of these plans pay out of network at a high reimbursement rate (90th R&C) but you could save money by staying in network.
Please review the plan summaries below to choose the plan that is best for you and your family.
Use the link below to find an in-network provider.
Select Dental then your city or zip code.
Select "Advanced Search".
The network is "Platinum (Co-Insurance)".
Voluntary Vision through Dental Select
DID YOU KNOW?
Legacy Lockers offers vision coverage through Dental Select to help pay for eye exams, prescription glasses and contact lenses. You receive a higher level of benefits when you see a provider in Dental Select's EyeMed Select Network. Review your coverage details in your Benefit Guide.
To find out if your provider is in-network, please visit the EyeMed Select Network below.
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Cancer insurance helps offset cancer diagnosis and treatment expenses that medical insurance doesn’t cover.
Critical illness insurance supplements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect costs related to a covered critical illness.
Hospital indemnity insurance provides a lump-sum benefit for a covered hospital confinement or a covered outpatient surgery.
Choose options your way:
Coverage is available for your spouse and eligible dependents with most products.
Benefits are paid directly to you, unless you specify otherwise.
With most plans, you can continue coverage when you retire or change jobs, with no increase in premiums.
With most plans, you receive benefits regardless of any insurance you may have with other companies.
If you are interested in learning more or enrolling in the Colonial products, please contact Brian Madtes, the Colonial representative directly at 210-827-5648 or you can email email@example.com.