Help

Visit the Coverage & Benefits page to learn more about coverage levels under your plans.

Visit the Coordination of Benefits page.

The status of your claim can be found on the Claims Summary page.

Look up a provider in the Find Care and Costs app.

Visit the Account Balances page or Home page.

Visit the Pharmacies and Prescriptions page.

Click here to view, print, or order ID cards.

UnitedHealth Premium Tier 1 physicians have been recognized for providing value. The UnitedHealth Premium Tier 1 symbol, , indicates physicians who have received the Premium designation for:

• Cost Efficiency and Quality
• Cost Efficiency, Not Enough Data to Assess Quality

When you need medical attention right away, there are a couple of options: Emergency Rooms, Urgent Care Centers, or your Primary Care Physician. The following guidelines can help you decide which is right for you.

Emergency Rooms

You might be tempted to go to the emergency room (ER) for any medical need that requires immediate attention. But this may not always be the best choice. At the ER, true emergencies are treated first. If your problem is not life-threatening, you might have to wait — sometimes for hours. And an ER visit can cost you more than the other options.

Emergency Rooms are best for:

• Heavy bleeding
• Large, open wounds
• Sudden changes in vision
• Chest pains
• Sudden weakness or trouble talking
• Major burns
• Spinal injuries
• Severe head injuries
• Difficulty breathing
• Major broken bones

Urgent Care Centers

An Urgent Care Center can be a good option if you need care fast but your Primary Care Physician is unavailable. They can treat many minor injuries and ailments, and the chances are you won't have to wait as long as at the ER. You may pay less, too.

An Urgent Care Center might be the right choice for:

• Sprains
• Strains
• Minor broken bones (example: finger)
• Minor infections
• Small cuts
• Sore throats
• Rashes

Primary Care Physician

If your medical issue is not urgent, it's usually best to go to your regular doctor's office. Your doctor knows you and your health history, can access your medical records, and can provide you with follow-up care or refer you to specialists.

To find Mammogram services, select Find Provider, and then, under Tests and Imaging, look for Radiology, MRI, and/or X-Ray facilities.

Your physician or facility may not be listed in the directory because they do not participate in your network. You can ask them if they participate. Even if they do not, you may still be able to visit them if your plan offers an out-of-network benefit. Check the Coverage & Benefits section under Physician Services to see if you can still visit them and what your additional costs might be.

Also, if you cannot find your physician or facility, make sure you searched for the correct listing. If you searched by the doctor or facility’s name, check to confirm the spelling is correct, or try using just the first few letters of the facility name or doctor’s last name.

Some plans do not require pre-approval and cover emergency care at the network benefit level, regardless of network status. Look at Hospital Services in the Coverage & Benefits section for details.

Not in most circumstances. Please see the Coverage & Benefits section for further details about your plan.

The Shared Savings program lets you reduce the cost of covered non-network services by visiting participating physicians and facilities.

How Shared Savings Works:

• Though your claim will still be paid based on your plan’s non-network benefit level, Shared Savings physicians and facilities agree to accept payment at a discounted rate. The amount paid after discount is then used to determine your out-of-pocket cost.
• Shared Savings physicians and facilities will not collect the portion of billed charges that exceeds the discounted rate.