Non-Medicare Plans

On-Demand Non-Medicare Plans Video

This on-demand video explains everything you need to know about the ASRS non-Medicare Plans from UnitedHealthcare. Topic-specific navigation allows you to come back and re-review areas of particular interest.

ASRS 2020 Non-Medicare Plan Benefits

New In-State non-Medicare Plans for 2020

In order to balance choice, cost and overall program efficiency for retirees, starting January 1, 2020, our non-Medicare plan options available for Arizona residents will be streamlined to two options - the Choice Premier and Choice Value plans. We've combined the most-used plan features from our current options to create two plans that will meet the varying needs of our retirees and their families.

If you are currently enrolled in an in-state non-Medicare plan through the end of 2019, and take no action during the Open Enrollment period, you will automatically be enrolled in the new non-Medicare plan that we believe most closely aligns with your existing plan so that coverage continues uninterrupted.

The table below illustrates how each 2019 plan maps to one of the new 2020 plans. Please take advantage of the Open Enrollment period to make a different selection if you wish.

Choice 1
Navigate 1
Choice 2

Choice Premier
Navigate 2
Choice 3
Navigate 3

Choice Value

New Rate Structure for non-Medicare Plans

We are also updating our rate structure and monthly premiums. Premiums will now be based on the number of participants covered in each plan. Our goal is to create a more balanced rate structure, where individuals who cover more people pay more accordingly.

If you and your dependents are all on a non-Medicare plan, this will impact the premium in the following ways:

    • If you cover yourself (Single), you will have a lower premium.
    • If you cover yourself and one dependent, you will have a lower premium.
    • If you cover yourself and two or more dependents, your premium will increase and, depending on your situation, this increase may be substantial.

If you or your dependents are in a combination of Medicare plan(s) and a non-Medicare plan, this will impact the premium in the following ways:

    • If you cover one non-Medicare participant, your premium will be lower next year.
    • If you cover two or more non-Medicare participants, your premium will increase and, depending on your situation, this increase may be substantial.

For more details on these plans, refer to the 2020 Health Insurance Enrollment Guide.

2020 non-Medicare Retiree Group Insurance Guide

Understanding the non-Medicare Plans

Need help choosing a non-Medicare Plan?

Infographic to help you choose your Medicare plan

Click graphic above to view in larger format.

Choice Premier and Choice Value

    • 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.

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, 2020 if your enrollment has been processed by UHC by December 15, 2019. 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 2020?

New ID Cards will be sent to all current and newly enrolled members.

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 medical insurance plans?

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

Have a Qualifying Event & Need to Enroll?  

If you've had a qualifying life event (QLE) and are eligible to enroll in an ASRS retiree Medicare plan, 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

Next Steps: 

Start now and use the dedicated online resources that are available to you. If you are not currently registered, you can do so at MyUHC.com. 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 myUHC.com 
  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

Healthcare resources at your fingertips

UnitedHealthcare 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

Complete Plan Documents - 2020 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 2020 Plan Year.

Certificate of CoverageSummary of Benefits
Choice Premier
Choice Premier COCChoice Premier SBC
Choice Value
Choice Value COCChoice Value SBC
Choice Plus
Choice Plus COCChoice Plus SBC

Prescription Drug List (effective Jan 1, 2020)

Searching for a Provider or Primary Care Provider (PCP)

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

Understanding Your Choices

Graphic comparing non-medicare plans

Choice Plus PPO (Out of State Residents Only)

    • 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.
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