Non-Medicare Choice and Navigate Plans

Non-Medicare Plans

UnitedHealthcare is the sole provider offering medical insurance through the Arizona State Retirement System. We are pleased to offer the same great plans depending on where you live. We encourage you to review all the plan options to determine which plan best fits your needs.

2019 Non-Medicare Retiree Group Insurance Guide

Online Enrollment icon Enroll now for 2019

The online health insurance application allows you to:

  • Enroll in an ASRS medical/dental plan
  • Make changes to your current coverage
  • Add or remove a dependent from your current coverage
  • Cancel your current coverage

Just log into your myASRS account to get started!

myASRS Login

Choice 1, Choice 2 and Choice 3

    • Must reside in Arizona - all counties
    • Nationwide network
    • Must use contracted Choice providers, except for emergencies.
    • With the Choice plans, you can use any doctor, clinic, hospital or health care facility in the national Choice network.
    • Save money by staying in the network. If you go out-of-network, you’ll have to pay for all of the costs.
    • There’s no need to choose a primary care provider (PCP) or get referrals to see a specialist. Consider a PCP; they can be helpful in managing your care.
    • Pay less by using Tier 1 providers. UHC has recognized them for providing value.
    • Preventive care is covered 100% so you won’t need to worry about these costs and payments.

Navigate 1, Navigate 2 and Navigate 3

    • Must reside in Maricopa, Pima, Pinal Counties Only
    • Narrow Network
    • Primary Care Provider (PCP) is required- Must pick a PCP in the Navigate network.  Your PCP will guide you through the health care system so you can get the right care at the right time.
    • Referrals are required from your PCP.
    • Features a lower premium versus like-numbered Choice option with same benefits (i.e. Choice 1 vs. Navigate 1)
    • Save money by staying n the network.

Choice Plus PPO

    • Out of State Network Only; must reside outside Arizona
    • No PCP required
    • Coverage for in-network providers, as well as out-of-network providers.
    • No referral needed to see any physician, specialist, hospital or other healthcare professional in the network. You have the flexibility to seek care from doctors and hospitals outside the network and still receive coverage. Keep in mind additional out-of-pocket costs apply for out-of-network care.

Understanding the difference between Choice and Navigate

Graphic comparing non-medicare plans

Choose Smart and Save Money!

Premium Programs for “Choice” Plans

    • Save money-Select one of the contracted doctors to pay lower co-payments
    • Selecting a doctor is one of the most important health decisions you’ll make
    • UnitedHealth Premium program and Tier1 can help find quality doctors that are cost-efficient
    • It’s easy to find a Doctor- just go myuhc.com and click on Find a Doctor. Choose smart. Look for Tier 1

Service Provider Program for Choice and Navigate Plans

    • Save money- Use freestanding facilities for certain services
    • Choose more cost-effective freestanding network care facilities instead of hospitals for: Outpatient diagnostic services, X-rays, Independent lab work, Scopic procedures, Surgery

Frequently Asked Questions

When will I receive an ID card if I am a new member or switch plans?

During Open Enrollment ID cards will arrive prior to January 1, 2019 if your enrollment has been processed by UHC by December 15, 2018. ID cards will take 7 to 10 business days to be received after enrollment has been processed by UHC for any late enrollments.

Who will receive a new card for 2019?

ID Cards will be sent to newly enrolled members and members making a plan change. Members who do NOT make a change will continue to use their existing ID card in 2019.

What if my monthly health insurance premiums exceed my monthly pension?

If your pension does not cover your net insurance costs, the insurance carrier(s) will mail a bill directly to you. It will be your responsibility to pay premiums directly to the insurance carrier(s). Direct bills are mailed at the end of the month and due by the 25th of the following month.

What happens if I fail to pay my insurance premium direct bill?

Your health insurance coverage will be terminated. If you wish to re-instate coverage, you must pay any remaining balance in full and wait for our annual Open Enrollment period to enroll.

Is there a pre-existing condition clause with any of the ASRS health insurance plans?

A pre-existing condition is generally considered an illness a person has prior to applying for health insurance. Currently ASRS does not deny health insurance for any reason relating to a pre-existing condition.

Must I notify the ASRS of an address change?

It is always in your best interest to ensure a correct mailing address. While many retirees and LTD recipients have seasonal or secondary addresses (such as a PO Box), the address of the primary residence is key to the availability of medical plan options and their costs as well as the forwarding of important periodic information that may be time sensitive. It is your responsibility to notify ASRS in writing or via the secure ASRS website when you have an address change.

How do I determine my current health insurance out-of-pocket costs?

Login to your myASRS secure account and click on the “Medical/Dental Insurance Details” link to see your current ASRS or ASRS employer retiree medical and dental plan, monthly premiums, premium benefit and your net cost.

Complete Plan Documents - 2019 Plan Year

Click on any of the links below to view the complete Certificate of Coverage and Summary of Benefits for each of the Non-Medicare Plans for the 2019 Plan Year.

Certificate of CoverageSummary of Benefits
Choice 1
Choice 1 COCChoice 1 SBC
Choice 2
Choice 2 COCChoice 2 SBC
Choice 3
Choice 3 COCChoice 3 SBC
Choice Plus
Choice Plus COCChoice Plus SBC
Navigate 1
Navigate 1 COCNavigate 1 SBC
Navigate 2
Navigate 2 COCNavigate 2 SBC
Navigate 3
Navigate 3 COCNavigate 3 SBC

Choosing a Provider or PCP

Need to look up your provider ID for enrollment purposes? Use the links below to find a provider or primary care physician

Health Insurance eLearning

This self paced eLearning explains everything you need to know about the ASRS Non-Medicare plans in one convenient place.

2019 non-medicare elearning thumbnail

Go online for more resources

Start now and use the dedicated online resources that are available to you. If you are not currently registered, you can do so at UHCRetiree.com/asrs. Sign up today for your UnitedHealthcare Online Account. Use this account to access the tools to help you keep track of your heath and so much more.

    • Search for network doctors
    • Review personal health records
    • Look up your latest claim information
    • Review benefit information and plan materials
    • Learn about the additional services and programs to keep you healthy

Follow these four easy steps:

  1. Go online to UHCRetiree.com/asrs
  2. Click on the “Register now” link
  3. Enter the ID number on the front of your member ID card and you birth date, then click “Continue”
  4. Create your user name and password

Health care management resources at your fingertips

UnitedHealthcare Health4Me™ mobile App lets you easily access your health care information and gives you tools to help estimate costs, manage claims and find providers – anytime and anywhere. It’s built to be your go-to health care resource when you’re on the go.

Get information to help you stay connected to your care management.

    • View and share health plan ID cards via email or fax
    • Check account balances and benefit amounts
    • Collect, track and share past and current Personal Health Records
    • View and manage claims
    • Pay providers for out-of-pocket expenses
    • Estimate costs of common procedures and conditions up front
    • Find nearby providers, hospitals and quick care facilities
    • Connect with helpful professionals 24/7
    • Search Pharmacies, claims, drug pricing and mail orders

Download on App Store or Google Play

In addition to the online resources, the UnitedHealthcare Navigate plans have many online toold available:

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