UHC Choice Plus Silver 3750

Your 2025 Health Plan - Simplified & Visualized

Coverage Period: 01/01/25 - 12/31/25 | Plan Type: POS

Annual Deductible

$3,750
Individual In-Network

Out-of-Pocket Max

$9,100
Individual In-Network

Family Deductible

$7,500
In-Network

Family Out-of-Pocket

$18,200
In-Network

🎯 Your Network Strategy - This Saves You Money!

This plan has THREE tiers of providers. Using the right tier can save you hundreds per visit.

🥇 Designated Network

BEST CHOICE

Lowest costs

🥈 Network

GOOD CHOICE

Moderate costs

🚫 Out-of-Network

AVOID IF POSSIBLE

Highest costs + balance billing

👩‍⚕️ Doctor Visits

Primary Care Designated $40 copay
Primary Care Network $75 copay
Specialist Designated $70 copay
Specialist Network $140 copay
Preventive Care FREE

🔬 Testing & Imaging

Lab Work Designated FREE
Lab Work Network 40% after deductible
X-rays (Both Networks) 30% after deductible
MRI/CT Designated $350 copay
MRI/CT Network $700 copay

🚨 Emergency & Urgent Care

Emergency Room 30% after deductible
Ambulance 30% after deductible
Urgent Care Designated $60 copay
Urgent Care Network $60 copay

🏥 Hospital & Surgery

Hospital Stay 30% after deductible
Surgery Center Designated $350 copay
Surgery Center Network $350 copay
Hospital Surgery 30% after deductible

💊 Prescription Drugs

Prescription Deductible: $400 individual (Tier 1 drugs are exempt)

Tier 1

$20 retail

$40 mail (90-day)

No deductible

Tier 2

$45 retail

$90 mail (90-day)

After $400 deductible

Tier 3

$75 retail

$150 mail (90-day)

After $400 deductible

Tier 4

$125 retail

$250 mail (90-day)

After $400 deductible

💡 Annual Cost Scenarios

Based on actual examples from your plan document:

🤱 Having a Baby

Total Medical Costs: $12,700

You Pay: $5,720

Includes prenatal care, delivery, hospital stay

🩺 Managing Diabetes

Total Medical Costs: $5,600

You Pay: $1,000

Annual routine care for controlled condition

🦴 Simple Fracture

Total Medical Costs: $2,800

You Pay: $2,700

ER visit, X-ray, follow-up care

🚫 What's NOT Covered

• Bariatric surgery
• Cosmetic surgery
• Adult dental care
• Adult routine eye care
• Long-term care
• Weight loss programs
• Private-duty nursing
• Non-emergency care outside US
• Routine foot care

🎯 Your Action Plan

  • Find Designated Network providers - Use uhc.com/shopdc to locate the cheapest tier of providers in your area
  • Schedule annual physical - It's FREE and includes all age-appropriate screenings
  • Get all preventive care early - Colonoscopy, mammogram, vaccines - all covered at no cost
  • Use mail-order prescriptions - Get 90-day supplies to save money on ongoing medications
  • Plan major procedures carefully - If you need surgery, you'll hit your $3,750 deductible, so bunch procedures together
  • Emergency fund planning - Budget for worst-case scenario of $9,100 out-of-pocket maximum
  • Track your spending - Once you hit $3,750 deductible, your costs drop significantly

✨ Special Benefits Included

🧠 Mental Health

Outpatient: 30% after deductible

Some intensive treatments: FREE

👶 Pediatric Vision

Eye exam: $30 copay (1x/year)

Glasses: 50% coinsurance (1x/year)

🦷 Pediatric Dental

Cleanings: FREE (2x/year)

Deductible: $50 individual / $100 family

🦻 Hearing Aids

Coverage: Up to $2,500/year

Need Help?

Visit: uhc.com/shopdc | Call: 1-800-782-3740

This plan meets Minimum Essential Coverage and Minimum Value Standards