Non-Medicare Choice and Navigate Plans

2017 Non-Medicare Plan options

For the 2017 benefit plan year, UnitedHealthcare is offering two distinct types of non-Medicare benefit plans, CHOICE and NAVIGATE that allow members to choose the premiums and level of service that best suits their needs, depending on where they live.

The pages here on the ASRS website are intended to provide you a high level of information to help you make choices. For a complete picture of the benefit plan structure for all Non-Medicare Plans for 2017, please review this guide carefully.

Non-Medicare Retiree 2017 Group Insurance Guide

Updated October 21, 2016

The basic differences between the two plan designs are as follows:

Choice vs. Navigate

Over 800,000 providers nationwideNarrow network; Maricopa, Pima, Pinal Only
Member must live in...

Must be an Arizona resident

Must reside in Maricopa, Pima or Pinal county

Primary Care Physician Required?



Referrals Required?NoYes
Number of benefit-to-cost variations offered?33
Benefit Structure

Choice 1 is same as 2016 Choice plan;

Choice 2 and 3 vary

Same benefit structure as same-numbered Choice option, but lower premium

Still want to learn more about the difference between Choice and Navigate plans? We have made a click-and-you-go eLearning module to explain all the Non-Medicare options for our retirees!

Click on the eLearning picture to get started!

Health Insurance Non-Medicare eLearning graphic

Now that you know the difference between CHOICE and NAVIGATE, let's talk a little more about them.

Choice 1, Choice 2 and Choice 3

  • Nationwide network; must reside in Arizona
  • No PCP required
  • No referrals required

The Choice Plan (in-network, nationwide) gives you freedom to see any physician, specialist, hospital or other healthcare professional in the network without a referral.

ASRS continues to offer the Choice Plan, which is now on a nationwide network and called Choice 1. New in 2017 are two additional variations on the Choice Plan (called Choice 2, Choice 3) with varying benefit levels to provide a broader range of lower cost premiums savings.

Premiums for the 2017 Choice options range from $703 - $825 per month, before applying any premium benefit, for single coverage.

Comparison Charts plus Cost Analysis

More on the ASRS Premium Benefit

Members who are already on the Choice Plan from 2016 can carry over coverage into 2017 without taking any action at all. There are no benefit changes on the original Choice Plan, which will now be called Choice 1, though premiums will change with the new plan year.

Navigate 1, Navigate 2 and Navigate 3

  • Narrow Network; must reside in Maricopa, Pima, Pinal Counties Only
  • PCP is required
  • Referrals are required
  • Features a 9% lower premium versus Choice option with same benefits (i.e. Choice 1 vs. Navigate 1)

Three new HMO plans are available to our Non-Medicare retirees who reside in one of these three Arizona counties. Each of the Navigate HMO Plans match the Choice Plan benefit levels (for example, the Navigate 1 benefit levels equal Choice 1 benefit levels, and so on), while offering even lower premiums on a narrow provider network.

Premiums for the 2017 Navigate options range from $635 - $745 per month, before applying any premium benefit, for single coverage.

For everyone covered in a Navigate HMO plan, you must select a primary care physician from the Navigate network of providers. The primary care physician will provide care for majority of your needs. You must also obtain a referral from your primary care physician before seeing another physician.

Considering signing up for a Navigate plan, or switching from the Choice plan?

UnitedHealthcare offers a host of Tools and Resources on the Navigate Plans

  • A  checklist for Navigate Plan subscribers
  • A  video showing key Navigate plan details including: How to choose, or change, your PCP and how the referral process works
  • A list of  FAQs - Frequently Asked Questions - on the Navigate plan
  • Learn about  Virtual Visits available to those on the Navigate plan

Comparison Charts plus Cost Analysis

More on the ASRS Premium Benefit

Before making a decision, research all the tools available to you!

Choice Plus PPO

  • Out of State Network Only; must reside outside Arizona
  • No PCP required
  • No referrals 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

Members who are already on the Choice Plus PPO from 2016 can carry over coverage into 2017 without taking any action at all. There are no benefit changes Choice Plus PPO Plan, though premiums will change with the new plan year.

Complete Plan Documents

Click on any of the PDF links below to view the complete Certificate of Coverage and Summary of Benefits for each of the Non-Medicare Plans for the 2017 Plan Year.

Certificate of CoverageSummary of Benefits
Choice 1
Choice 1 COC Choice 1 SBC
Choice 2
Choice 2 COC Choice 2 SBC
Choice 3
Choice 3 COC Choice 3 SBC
Choice Plus
Choice Plus COC Choice Plus SBC
Navigate 1
Navigate 1 COC Navigate 1 SBC
Navigate 2
Navigate 2 COC Navigate 2 SBC
Navigate 3
Navigate 3 COC Navigate 3 SBC

Enrolling in a Plan

To enroll in one of these pre-65 Non-Medicare plans for 2017, you must experience a Qualifying Life Event (QLE). Review the ASRS-recognized QLE's here. If you meet one of those QLE's, click the button to log in to your myASRS account to enroll now.

Qualifying Life Events

If you are currently a retiree or disabled member covered by ASRS, ADOA or another ASRS employer's insurance, you can view those elections in your myASRS account by selecting 'Medical/Dental Insurance Details' under the Your Account section in the navigation pane.

Online Enrollment icon Online Enrollment is Here!

We've made enrolling in a medical and/or dental plan faster, easier and more accurate than ever with our Online Enrollment Process. Just log into your myASRS account to get started!

myASRS Login

Choosing a Provider or PCP

Need to look up your provider ID for enrollment purposes? Click one of these links to find a provider or primary care physician

Note: You will need to log in to your myUHC.com account to access the Provider networks

Frequently Asked Questions

After I enroll in an ASRS retiree health care plan, when will I receive my ID cards?

ID cards will be received 7-10 business days after the enrollment has been processed by UnitedHealthcare.

Will I get a new insurance card?

New enrollees and those who make changes to their enrollment will receive new insurance cards.

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.

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.
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