HMOs restrict participants to a specific network of providers.
Optimum Choice is a health maintenance organization (HMO) under UnitedHealthcare, a nationwide health insurance company. HMOs contract with individual providers in various communities to provide medical services at a discounted rate in exchange for the prospect of a steady flow of patients. Because of this arrangement, HMO participants must generally seek care from a select list of providers within the HMO network.
Instructions
Use your Optimum Choice HMO Benefits
1. Find your primary care physician (PCP). If you don't already have one, you will have to find a PCP who participates in the Optimum Choice network in your area. If you need to look one up, go to Step 2.
2. Log on to the Optimum Choice website.
3. Click on "find a physician" from the menu at the very top of the screen.
4. Scroll to the bottom and click the link to "My UHC."
5. Click on "find a physician" in the menu on the right side.
6. Click "Search for a physician."
7. Select search criteria desired. Under item 2, select "Optimum Choice" or "Optimum Choice Preferred" from the pull-down menu, as applicable.
8. Select a physician and call to make an appointment.
At the Doctor's
9. Be prepared to pay a small co-pay for the doctor visit, depending on your plan.
10. Bring your HMO card, or have your Optimum Choice member number handy.
11. Fill out paperwork as directed by the physician office staff.
12. The staff should take the billing from there. Inspect records carefully, so you know your insurance company is being billed for the correct procedure.
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