Hawaii Commercial Health Plans

UnitedHealthcare Options PPO health plans allow members to choose a network physician or specialist without a referral (open-access).

• It is the member's responsibility to obtain prior approvals for both network and non-network services. No referral is required to see a specialist.
• If a non-network physician is chosen, out-of-pocket member costs will be higher and it is the member’s responsibility to obtain approvals and submit claims.

UnitedHealthcare Options PPO offers two levels of coverage: a higher level of benefits for in-network services, and a lower level of benefits for non-network services, with somewhat higher deductibles and coinsurance.

View more information on UnitedHealthcare Tiered Benefit Plans