UnitedHealthcare - Texas Health Insurance Plans for Businesses
Insurance Carrier Overview
United Healthcare is the largest carrier in the country, and offers medical, dental, and vision coverage in Texas. United Healthcare PPO plans provide access to the nationwide United Healthcare network. United Healthcare offers a combination of PPO, EPO, and two tiers of HMO plans, and allows any number of plans to be offered.
United Healthcare PPO plans tend to be more expensive than other carriers given the expansive doctor network, but are typically among the lower cost options for companies looking for higher coverage tiers and a wide network.
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Choice Plus PPO: Full PPO network with access to one of the largest network of doctors and hospitals in Texas and nationwide coverage through United Healthcare's national network.
Choice EPO: Access to the same network of doctors and hospitals as Choice Plus, but plans do not include out of network coverage. Choice EPO plans are ~4% less expensive than the full PPO version.
Navigate HMO: Fairly large HMO network with 75% of the doctors and 98% of the hospitals of the PPO network. One of the larger HMO networks in Texas, though plans are only ~10% less expensive than the full PPO.
Charter HMO: Narrow HMO network with ~40% the doctors of the full PPO network, though nearly the same number of hospitals. Charter plans are about the same cost as plans on the Navigate network, so are not a substantially better value.
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