Primary care provider aligned plans

A strong relationship with a primary care provider (PCP) may make a real difference in employees’ health care experience and how they manage their health. PCP aligned plans may help employees build a relationship with a provider who understands their health goals and can guide them when questions or concerns come up. Whether it’s preventive care, everyday health needs or referrals to specialists, the PCP is often the first stop for care and a reliable source of support.

Potential cost savings

PCP aligned plans are designed for more efficient, cost‑effective care. By providing preventive services, PCPs may help employees address health needs early — before they become more serious or costly conditions. When specialized care is needed, PCPs help direct employees to the right network providers. This may help reduce unnecessary or higher-cost services.

Designed to deliver up to 17% savings for employers¹

Built to help support better health outcomes

PCPs see the full picture of an employee’s health to help identify care gaps and connect employees with the right resources or specialists. This ongoing relationship may help create a more proactive, coordinated care experience.

PCP engagement has been linked to improved decision-making, better treatment adherence and lower claims trends among UnitedHealthcare members²

Flexible network options

PCP aligned plans offer options to help fit your workforce and support potential savings for you and your employees.

Full‑network options give employees broad access to our national network of primary and specialty care

Focused-network options, available in some markets, are developed with local health systems to help streamline access to high‑quality, cost‑efficient care

Option to pair with tax-advantaged financial accounts

Tax-advantaged financial accounts — like a health savings account (HSA), flexible spending account (FSA) or health reimbursement account (HRA) — pair with our plans to offer financial strategies for your business. These accounts may help employees save and pay for health care expenses, while also offering administrative benefits for employers.

Plan resources and information

View our medical plans at-a-glance (pdf)

Help solve for your business’s specific needs and support your bottom line. Discover a wide variety of plan options that range from broad to more focused network access.

Learn about the power of primary care connection

Primary care providers may help streamline the health care experience for employees, which may lead to lower costs and better health outcomes.

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Surest

Offer plans that give employees more choice and clear, upfront pricing.

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Open access plans

Provide plans with referral-free access to care across a large national network.

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Value-based care plans

Provide plans that focus on prevention, whole-person health and better outcomes.

Learn about value-based care plans

Surest

Offer plans that give employees more choice and clear, upfront pricing.

Learn about Surest plans

Open access plans

Provide plans with referral-free access to care across a large national network.

Learn about open access plans

Value-based care plans

Provide plans that focus on prevention, whole-person health and better outcomes.

Learn about value-based care plans

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Footnotes

UnitedHealthcare Charter or Navigate health plan; Savings estimates are based on book of business assumptions applied to sample plans and assume full-replace offering. Any client savings will vary depending on actual plan design modeled, June 2025.
In comparison to members not engaged with a PCP; UnitedHealthcare Employer & Individual book-of-business internal analysis of claims incurred January 2022 – December 2022 and paid through February 2023.

Disclaimers

Certain preventive care items and services, including immunizations, are provided as specified by applicable law, including the Patient Protection and Affordable Care Act (ACA), with no cost-sharing to you. These services may be based on your age and other health factors. Other routine services may be covered under your plan, and some plans may require copayments, coinsurance or deductibles for these benefits. Always review your benefit plan documents to determine your specific coverage details. 

Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.