UnitedHealthcare Exchange Plans - Optimum Choice, Inc.

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1-800-806-0451, TTY 711

1-800-806-0451, TTY 711

Affordable. Reliable. Easy. That’s UnitedHealthcare.

Haven’t signed up for a 2021 plan? Let us help you get covered.

The right coverage at the right price in Virginia.

3  $0 virtual visits*

Get the urgent care you need in 15 minutes or less, usually, with three virtual visits at no cost to you.

$0 preventive care*

Don't pay more for needed preventive care. These plans offer it at no additional cost.

Low-cost prescriptions*

Save money with $0 co-pays on preventive drugs and the ability to get your prescriptions conveniently at many locations, including Walgreens, Walmart, and Harris Teeter.

Don’t know where to start?

You can count on us. Our friendly support team is standing by to help you find the plan that works for you and your family in Virginia.

Call 1-800-806-0451TTY 711

Reliable Service

From help finding the right plan to help finding the right care, we're here for you.

Reliable Care

Get access to a network of quality providers and pharmacies for your needs.

Easy. That’s UnitedHealthcare

Once you're a member, you'll have 24/7 digital access to care.

Affordable choices from the nation’s #1 health insurance company.**

Using our 30 years of experience, UnitedHealthcare is offering plans designed to save you money. We have plan choices in three metal levels. 

Bronze Plans

Bronze plans typically have lower premiums but may require more out-of-pocket cost for care.

Examples of benefits you may find with our bronze plans:

  • 3 $0 copay primary care visits
  • Tier 1 prescriptions as low as $20 copay
  • 3 $0 copay virtual visits

Silver Plans

Silver plans sit between gold and bronze for premiums and cost coverage.

Examples of benefits you may find with our silver plans:

  • 3 $0 copay primary care visits
  • Tier 1 prescriptions as low as $3 copay
  • 3 $0 copay virtual visits

Gold Plans

Gold plans are typically better for people who use a lot of care and are willing to pay higher premiums to have more covered costs. 

Examples of benefits you may find with our gold plans:

  • $25 copay primary care visits
  • Tier 1 prescriptions as low as $5 copay
  • 3 $0 virtual visits

Have some questions? (Most people do)

Well, really, almost anyone can get covered on the Health Insurance Marketplace (we like to refer to it as the ‘Exchange’). To be eligible you must live in the US, be a US citizen or national and cannot be incarcerated. However, if you qualify for Medicare or Medicaid – those options may be a better fit for you. And if you have insurance options through your employer, it’s really up to you to decide between that coverage or the plans offered on the Exchange. 

In most states, qualified individuals can enroll from November 1 through December 15. This is called the open enrollment period (OEP) and the actual dates can vary (Colorado’s OEP, for example, is from 11/1 through 1/15). You can also enroll outside of the OEP if you experience certain life events that qualify you for a special enrollment period (SEP).

The prices depend on the plan you choose. To get a quote on your costs, you’ll need to provide some basic info on your income, where you live, your age and the number of people in your household. Then you can work with some real numbers (you may also qualify for subsidies, which typically reduce your costs). What are subsidies? See the next answer.

Subsidies reduce the cost of your coverage. When you go through the process of enrolling, you’ll give an estimate of your income for next year and then find out what subsidies you may qualify for (or give us a call and we can walk you through it).

If you enroll during the OEP (remember, that’s 11/1 through 12/15 for most states) then your coverage will begin on January 1. However, OEP times vary and you may also qualify to enroll outside of OEP (that’s the SEP we mentioned earlier). If that’s your situation then your coverage start date depends on your enrollment date. Feel free to just give us a call and we’ll walk you through it.

When the open enrollment period (OEP) ends, the special enrollment period (SEP) begins. You'll then need to have what’s called a qualifying life event in order to enroll in a health insurance plan in the insurance marketplace. What is a qualifying life event? A qualifying life event is a big life-changing situation — sometimes planned, sometimes unexpected — that can impact you and your health insurance. Qualifying life events include: having or adopting a baby, getting married, moving to a new area, experiencing a shift in employment status, turning 26, getting divorced, death of someone who shares your health plan, earning U.S. citizenship, or turning 65. In most situations, you’ll need to make changes to your health plan within 60 days of the qualifying life event. Missing this deadline could mean having to wait until the next open enrollment period, which could be as long as a year. For more information, check your plan materials.

Count on us.

We’re here to answer your questions and help you find the right plan. Give us a call.

1-800-806-0451, TTY 711

We’re here to answer your questions and help you find the right plan.


Call Now: 1-800-806-0451, TTY 711