Non-Medicare Choice and Navigate Plans

Non-Medicare Plan options

UnitedHealthcare continues to 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 plans options to determine which plan best fits your needs.

Non-Medicare Retiree 2018 Group Insurance Guide

Updated October 20, 2017

What’s new for plan benefits for 2018?

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 doctor 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

Understanding the difference between Choice and Navigate

Health Insurance Non-Medicare plans graphic

To help you better understand the terms, watch this video from the UnitedHealthcare Account Manager to learn more

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

Try this click-and-you-go eLearning on our Medicare Supplement Options.

Click on the eLearning picture to get started!

Health Insurance Non-Medicare eLearning graphic

Choice 1, Choice 2 and Choice 3

  • Must reside in Arizona - all counties
  • Nationwide network
  • No need to choose a primary care physician (PCP) required or get referrals to see a specialist
  • Save money by staying in the network. Must use contracted Choice providers except for emergency

With the Choice plans, you can use any doctor, clinic, hospital or health care facility in their national 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.

For coverage details, see your offical health plan documents.

Navigate 1, Navigate 2 and Navigate 3

  • Must reside in Maricopa, Pima, Pinal Counties Only
  • Narrow Network
  • PCP is required- Must pick a PCP in the Navigate network
  • 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)

This is a plan that requires you to select a PCP. Your PCP will guide you through the health care system so you can get the right care at the right time.

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.

Your PCP will help you get the right care and save. Find your PCP at welcometouhc.com/navigate.

For COVERAGE DETAILS, see your official health plan documents.

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

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

Complete Plan Documents - 2017 Plan Year

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 2018 Plan Year. 

The Summary of Benefits for 2018 coming soon.

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, 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

Why did my 2018 non-Medicare (pre-65) plan premium go up this year?

Healthcare claims costs have been rising every year for at least the past ten years. Prescription drugs, procedures, tests and provider charges are all on the rise each year. This is the ASRS and United Healthcare's (UHC) best projection of premiums needed to cover claims in 2018. The ASRS is always working with UHC to find ways to reduce not only the cost of claims but to help members stay healthier and reduce the number of claims themselves. The trend of total claim increases for ASRS retirees necessitates the increases, but is in fact lower than the national average which actually lessens the potential increase each year.

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, 2018 if your enrollment has been processed by UHC by December 15, 2017. 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 2018?

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 2018.

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.
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