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United Healthcare Options PPO

Get quality care from a national network

A network is a group of health care providers and facilities that have a contract with United Healthcare. You can receive care and services from anyone in or out of our network, but you save money when you visit Preferred Providers in the national network.

Find Care in 15 Minutes

  • Visit Preferred Provider Lookup

    Please click this link to search for participating physicians, hospitals, facilities, medical equipment, or supplies in your local area.

  • Enter your location

    To locate a care provider near your location, enter a street address, city, and state, or a 5-digit zip code.

  • Search for the care you need

    Enter Primary Care Physicians, Hospitals, or Urgent Care Centers in the search bar.
    To select by medical care categories, click the tabs below the search bar.

    • Search for Special Care: People > Special Care > Choose Type of Specialists
    • Search for Vaccines: Services and Treatments > Vaccines > Adult Vaccines > Choose Type of Vaccines

Find Care

Visit a doctor who knows you best

Your primary care physician knows you and your health history. He or she can access your medical records. If it’s not urgent, it’s usually best to go to your own physician’s office.

Visit your Primary Care Physician for:

  • Preventive Care
  • Follow-up Care
  • Sicknesses and Injuries during business hours

Find a doctor specialized in your symptom

A specialist is a doctor with expertise in specific area of medicine. If you’re enrolled in Student Medicover, you do not need a referral from a primary care physician to visit a specialist. We highly recommend you visit a primary care physician if you are not sure about which type of special care you are looking for.

Speak to a doctor online in 15 minutes. It’s free.

Through HealthiestYou, you can speak to a physician via phone and/or video chat* for diagnosis and treatment of many different acute sicknesses. There are no copays or coinsurance to utilize HealthiestYou, if you are a member of the plan. (A $40 consultation fee applies for non-members.)

Visit your online doctor for:

  • Rashes
  • Minor infections
  • Sore throats

Skip the wait, pay less for emergencies

Sometimes you may need care fast but your primary care physician may be unavailable. Urgent care centers can help treat different minor injuries so you don’t have to wait as long as the emergency room. Chances are, the price goes down as well.

An urgent care center can help with:

  • Minor cuts
  • Sprains & strains
  • Minor broken bones
  • Allergies
  • Headaches
  • Rashes
  • Fevers

Seek care immediately

If you’re seriously injured or experience other life-threatening health conditions, call the emergency hotline (911) or visit the nearest emergency facility. If you are experiencing non-life-threatening symptoms, visit an urgent care instead.

An Emergency room can help with:

  • Heavy bleeding
  • Chest pain
  • Major burns
  • Difficulty breathing
  • Large open wounds
  • Sudden changes in vision
  • Severe head and/or spinal injuries

Happiness is strength

United Behavioral Health provides confidential support for a wide range of personal issues — from everyday challenges to more serious problems. And it is available around the clock, whenever you need it.

You have access to a wide range of support services, including:

  • Depression, stress, and anxiety
  • Parenting and family problems
  • Childcare and eldercare stress
  • Relationship difficulties
  • Substance abuse and recovery
  • Dealing with domestic violence
  • Eating disorders
  • Balancing work and life issues

Free online counselling

BetterHelp is a leading online professional counseling platform. You can receive personal, professional help from trained, experienced, and accredited counselors covering a range of areas – from depression and anxiety to family and couples therapy. With Student Medicover, your communication with a BetterHelp counselor is covered 100% during your policy period.

File a claim

If you bring your insurance card with you while visiting an in-network doctor or hospital, there is no need for you to file a claim after your visit.

If your need to file a claim, please send the following documents to UnitedHealthcare Student Resources:

  • Itemized billPlease ask your doctor or hospital for a itemize bill with procedure Code, Diagnosis Code and Tax ID

  • Proof of paymentBank statement can be downloaded from your bank account

  • Copy of insurance cardYou may download an e-copy of your insurance card on UHCSR.com

For detailed instructions, please check How to Claim

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Understanding your bill

You can review the explanation of benefits on your UHCSR account after the claimed is processed.

Copayment (or co-pay)

You’ll usually pay a fixed amount of money for each covered doctor visit or prescription

Deductible

The amount you pay for covered health care services before your insurance plan starts to pay. A deductible may not apply to all services.

Coinsurance

The percentage of costs of a covered health care service the insurance company pays after you’ve paid your deductible.

Out-of-pocket Maximum

The most you have to pay for covered services in a plan year. After you spend this amount on deductibles, copayments, and coinsurance, your health plan pays 100% of the costs of covered benefits. The out-of-pocket limit doesn’t include your monthly premiums. It also doesn’t include anything you spend for services your plan doesn’t cover.

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Language Support

United Healthcare provide free services to help you communicate with us. Such as, letters in other languages or large print. Or, you can ask for an interpreter.

  • English To ask for help, please call the toll-free phone number listed on your ID card, TTY 711, Monday through Friday, 8 a.m. to 8 p.m. If you are not a member, please call 888-383-9253.
  • Español ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia de idiomas, sin cargo, a su disposición. Llame al número de teléfono gratuito que aparece en su tarjeta de identificación. Si no es miembro de UHC, llame al 888-383-9253.’
  • 中文 请注意:如果您说中文,我们免费为您提供语言协助服务。请拨打会员卡所列的免费付费会员电话号码。如果您不是UHC会员,请拨打888-383-9253。

Need help? Talk to us.

Kindness and patience are at the core of our customer support team. Our representatives will help you with any issues related with using your health insurance, doctor visits, downloading insurance IDs, and filing claims.

Contact Us