Frequently Asked Questions

Find answers to help you get the most out of your health plan.

There’s one spot for easy answers. Check out myuhc.com®.

There’s no question about it – health care can be confusing. Below, you’ll find answers to commonly asked questions. You’ll find that many of the answers direct you to myuhc.comOpens a new window. Here’s why. By signing in to myuhc.comOpens a new window, you’ll get personalized answers to your questions. Sign up on myuhc.comOpens a new window today.

Access your information.

When you register on myuhc.comOpens a new window, you’ll get 24/7 access to a personalized website that helps you manage your health plan.

myuhc.comOpens a new window has tools* to help you:

  • Find a physician or hospital
  • Find and estimate costs for network care
  • See your benefits and what’s covered
  • Get information about preventive care
  • View claim details and account balances
  • Update or manage your account information
  • Print temporary ID cards
  • Sign up for paperless delivery of your required plan communications.

Take the Site Tour

For details about tools and information available on the member website, you can take a tour with this site demoOpens a new window.

*Tools and information may vary based on your benefit plan.

It takes just minutes to registerOpens a new window on myuhc.comOpens a new window and get full access to information and tools designed to help you manage your health plan. 

To register, you’ll need to: 

  1. Enter the number on your health plan ID card
    • Don't have your ID card? Use your Social Security number and ZIP code. 
    • Just have a flexible spending account or health reimbursement account? When you register, choose "Yes" for an ID card, but use your Social Security number for your Member ID and the FSA or HRA Group/Policy number from your employer.
  2. Choose a username and password.
  3. Enter an email address.
  4. Enter a phone number or choose security questions.

That's all there is to it! For your security, we'll send you a confirmation email and a letter via the U.S. mail to the name and address on file.

Register NowOpens a new window

You must be age 13 or older to use this website. Tools and information may vary based on your plan benefits.

No, your registration stays the same even if you switch employers or if your employer changes group numbers. You will not need to re-register with your new group number or create a new username or password. When you log in with your HealthSafe ID®, you can choose which account you want to see: the old group number account or the new group number account.

Yes. You can view up to 18 months of claim history. Simply sign in with your HealthSafe ID and choose the old group number account to view that detail.

Download on the App Store® or on Google Play® for free.

Learn more about Health4Me

Yes. You can call the number on your ID card. Write the number down or save it to your phone so you have it handy if you lose your card.

Yes. Log in to myuhc.comOpens a new window and look on the far left of your personalized home page. The date listed under “Active date” is the day your coverage started.

Your health plan ID card.

You can access an ID card using myuhc.comOpens a new window or the Health4Me app.

If you have a member account:

Sign in to myuhc.comOpens a new window and choose Account Settings at the top right of the screen. You can request and print new ID cards.*

Need help signing in? Call us for help at 1-877-844-4999, 8 a.m.–10 p.m. ET, Monday to Friday.

On the Health4Me app:

Select ID card to view or email your ID card from your smartphone.

If you don't have a member account yet:

Register NowOpens a new window with your Social Security number and ZIP code. Don't want to use this information? Call us for help at the phone number above. 

If you only have a flexible spending account (FSA) or health reimbursement account (HRA):

When you register choose "Yes" for an ID card, but use your Social Security number for your Member ID and the FSA or HRA Group/Policy number from your employer. Call us at the number above if you need help. 

You must be age 13 or older to use this website. Tools and information may vary based on your plan benefits. 

* Note this functionality is not available to Community & State New Jersey members.

While you’re waiting for your ID card to arrive in the mail, you can start exploring what’s available with your plan. Here’s a Waiting for Coverage to Start checklist to use as a guide until your ID card arrives and coverage begins.

When you have your ID card, you can get started by using the New Member Checklist here as a guide.

One of the first steps is to register on myuhc.comOpens a new window. There you’ll be able to access personalized information about your plan. Have your health plan ID card ready – you’ll need the information to register. Then, create a username and password. It’s that easy.

Find care.

With almost every plan, you’ll pay less when you choose providers in your network. Here are several easy ways to find network doctors, clinics and hospitals.

  • If you have your health plan ID card, log in to myuhc.comOpens a new window. Go to your personalized home page and use the provider search toolOpens a new window to look for doctors, clinics and hospitals in your network. Your search will show you a list of providers, plus you can see cost and quality ratings so you can choose what works best for you.
  • If you don’t have your ID card yet, you can still use the provider search toolOpens a new window. Explore the list of doctors, clinics and providers to find one that’s in your network so you’ll be ready when your plan starts.
  • If you’re on the go, try the Health4Me app. You can use it to help search for network doctors, urgent care centers, clinics and hospitals on your smartphone. Even if you’re traveling, at your child’s sporting event or away from home visiting family or friends, a network option may be close by – and Health4Me makes it easier to know your options.

Learn more about choosing a doctor

Virtual visits are a great way to talk with a doctor, get a diagnosis and even get prescriptions – all online.* To start a Virtual Visit, just log in to myuhc.comOpens a new window > Virtual Visits. Then select your provider and get your care.

To learn more about how it works, watch this Virtual Visits video before you get started.

*Not available in all states.

Benefits and Coverage

Checking your benefits can help you avoid cost surprises, so it’s good to review what’s covered and what’s not before you make an appointment.

  • Log in to myuhc.comOpens a new window and go to Benefits & Coverage to review what’s covered under your plan.
  • If you want a copy of your coverage documents mailed to you, call the phone number on your health plan ID card and ask us to send you a copy.

If you have a few minutes, watch this helpful Using My Benefits video to learn more about benefits and coverage.

A referral is when a primary care physician (PCP) authorizes a covered person to see a specialist for diagnosis or treatment of a medical condition.  Most often, that means you have to call your doctor before seeing a specialist.

Not all health plans require a referral, but if your plan does, ask your PCP or clinic for an electronic referral before you visit a specialist. Without this referral, you may pay more or your care may not be covered.

If you don’t know if you need a referral, visit the Coverage & Benefits section of myuhc.comOpens a new window or call the number on your health plan ID card to find out. Your ID card may even say, “Referrals required.”

Prior authorization means getting approval before you can get access to medication or services. With prior authorization, your health plan agrees to help pay for the service – and it’s important to know that ahead of time. See Common Terms for more definitions to other health insurance words.

If you’re not sure whether you need prior authorization for a service or prescription medication, take a look at your coverage documents or call the number on your health plan ID card.

Find out more about Pharmacy Benefits

You can choose to receive your health and account statements online or on paper through the mail.

Go paperless and make managing your health plan easier.

Here’s how to request to receive statements online only:

  • Log in to myuhc.comOpens a new window and go to Account Settings > Change Mailing and Email Preferences.
  • You’ll get an email when new documents become available online.
  • You can view, download or print at your convenience. 

Managing costs and claims.

You can find your claims information easily on myuhc.comOpens a new window.

  • Log in and go to Manage My Claims to see a list of your claims and if they’ve been processed.
  • You can also call the number on your health plan ID card to talk with a representative about your claims. 

You can find an overview of your HSA details when you log in to myuhc.comOpens a new window.

  • Go to Manage My Claims to see your claims status and history.
  • Go to Benefits & Coverage to see what’s covered under your plan.

You can also call the number on your health plan ID card to talk with a representative.

Learn more about Health Savings Accounts

Pharmacy and Prescriptions

You can find a list of network pharmacies on myuhc.comOpens a new window or by using the Health4Me app.

  • Go to Pharmacies & Prescriptions to search for a provider list in your area.

You can also call the member phone number on your health plan ID card to talk with a representative.

You can find prescription medications coverage information for your plan by logging in to myuhc.comOpens a new window.

  • Go to Pharmacies & Prescriptions > Prescription Drug List (PDL) to see a list of medications covered under your plan.
  • You can also search for a specific prescription medication to find out if it’s covered or what you’ll have to pay out-of-pocket. 

When you switch to a new plan, your prescription coverage may change. To help make sure you continue to get the medications you need, check to see if they’re covered by entering them into the drug pricing tool at myuhc.comOpens a new window — or in the Health4Me app. There, you can also look for details on how to continue getting the same medication or switching to a lower-cost alternative.

We’re always looking out for the safest, most effective and lower cost medication to include with UnitedHealthcare plans. As the options on the market change, you may see changes in covered prescriptions for your plan.

You can use a resource called a prescription drug list (PDL) to check your coverage. It shows you the medications that are covered by your plan. It may also help you understand plan requirements that may affect your coverage for a medication.

Your prescription drug list (PDL) is broken into cost levels called tiers. Choosing medications in lower tiers may save you money. You can talk with your doctor about your PDL and discuss lower cost options to help you find prescriptions that may work with your budget.

Log in to myuhc.comOpens a new window and go to Pharmacies & Prescriptions to review the PDL for your plan.

Learn more about Pharmacy Benefits

Accreditations and certifications

What accreditations and certifications has UnitedHealthcare received?

National Committee for Quality Assurance (NCQA) has awarded UnitedHealthcare:

Health Plan Accreditation

NCQA Health Plan Accreditation is a nationally recognized evaluation that purchasers, regulators and consumers can use to assess health plans.

  • Many of UnitedHealthcare's health plans have been awarded NCQA Health Plan Accreditation. This includes Commercial HMO, HMO/POS, and PPO plans and Marketplace HMO, EPO and PPO plans. 
  • Check the accreditation status for health plans at NCQA Health Plan Report CardOpens a new window.   
Certified NCQA Physician Quality

Physician Quality Certification

NCQA's Physician Quality (PQ) Certification program evaluates how well health plans measure and report the quality and cost of physicians.

About NCQA

NCQA is a private, non-profit organization dedicated to improving health care quality. NCQA accredits and certifies a wide range of health care organizations. It also recognizes clinicians and practices in key areas of performance. 

Learn more about NCQAOpens a new window

URAC has awarded accreditation to UnitedHealthcare Insurance Company and United HealthCare Services Inc.

  • URAC’s Health Utilization Management (HUM) standards are designed to ensure that organizations conducting utilization management follow a process that is clinically sound and respects patients’ and providers’ rights.

About URAC

URAC is an independent, nonprofit accreditation entity, whose mission is to advance health care quality through accreditation, education and measurement. 

UnitedHealthcare
Insurance Company

United HealthCare
Services Inc.

URAC Seal

Learn more about URAC

Community Health Accreditation Program CHAP

CHAP Hospice Standards of Excellence has been awarded to Evercare Hospice & Palliative Care, a UnitedHealthcare preferred provider.

About CHAP

Community Health Accreditation Program, Inc. (CHAP) is an independent not-for-profit accrediting body for community-based health care organizations. CHAP has deeming authority by the Centers for Medicare and Medicaid Services (CMS), meaning CHAP has full deeming authority for home health, hospice and home medical equipment providers.

Learn more about CHAP

More questions? We’re here to help.

Call the member phone number on your health plan ID card to talk with a representative.  

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