STATE OF MARYLAND EMPLOYEES AND RETIREES
Open enrollment – Oct. 15–Nov. 8, 2024
Since 1983, we’ve made it our goal to give you the best health care experience possible. In 2025, we’re
excited to continue partnering with the State of Maryland to offer you great health plan options. We believe
the best way to serve you is by listening to what’s important when it comes to finding the right provider
and the right care. This guide, and our online tools and resources, are here to help you choose the right
UnitedHealthcare plan with more confidence. Still have questions? Give us a call at 1-800-382-7513 and
our local Maryland team of professionals will help you along the way. Thank you for the opportunity to
serve your health care needs and those of your family.
Joseph Ochipinti
Health Plan CEO
Taking you in healthy directions
Health care terms
Coinsurance – Your share of the costs of a covered
health care service, calculated as a percentage of
the allowed amount for the service.
Copay – A fixed amount you pay for a covered health
care service, usually when you receive the service.
Deductible – The amount you owe for health care
services before your health plan begins to pay.
Out-of-pocket maximum – The most money you
have to pay for covered expenses in a plan year.
Primary care provider (PCP) – A physician, nurse
practitioner, clinical nurse specialist or physician
assistant who provides, coordinates or helps you
access health care services.
For more health care term definitions, visit the
Just Plain Clear® English and Spanish Glossary at
glossary.justplainclear.com.
Contents
Welcome letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Here for every step of the journey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Health plans that keep up with any adventure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Compare your plan options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Save dollars by putting wellness first . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Qualifying for the Wellness Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Get care from anywhere. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .
Discover the source for all your health plan details . . . . . . . . . . . . . . . . . . . . . . . . . . 10
Where life takes you, we’re there. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
Know where to go for care. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
Support every step of the way. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
Support for emotional well-being . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
Explore the world with fresh eyes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 15
Helping you stay healthy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
More programs to support well-being. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
Here’s the fine print . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
Legal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19
State of Maryland employees and retirees
State of Maryland
State of Maryland
*As of June 2024.
Choice EPO
ChoicePlus PPO
• Certain services are covered at 100%; for non-preventive
care provider visits, you’ll have a copay
• You have coverage for network services only; if you see
an out-of-network provider, you’ll pay for services out
of pocket
• You’ll have copays for non-preventive care network
provider visits
• You’ll be responsible for coinsurance until you meet your
out-of-pocket maximum
• While you have out-of-network coverage, those providers
will likely charge more
Choose the path that’s right for you
You have 2 plans to choose from: Choice EPO and ChoicePlus PPO.
Care when and where you need it
No matter which plan you choose, you’ll have access to our
network of providers and hospitals, with:
• Access to nearly 1.8 million physicians and health care
professionals (plus over 165,000 vision provider access
points nationwide, including Warby Parker and GlassesUSA)
and over 5,600 hospitals*
• A local network that includes every hospital in Maryland
• No referrals needed to see specialists
• Access to mental health and substance use benefits
• The option to see a provider from the comfort of home with
24/7 Virtual Visits or scheduled virtual primary care through
myuhc.com or the UnitedHealthcare app
• The option to use your provider’s telehealth system to see
and talk to your own doctor, specialist or mental health
provider via smartphone, tablet or computer
Health plans that keep up with any adventure
UnitedHealthcare gives you access to quality care, both in Maryland and nationwide.
Things to consider when choosing a plan
Is your provider in the network?
Getting care from network doctors, clinics and hospitals may help you save money. There are 2 ways to see if your
providers are included:
• Go to whyuhc.com/stateofmaryland > Search for a Provider and choose
the health plan you’re considering to view network providers
• Visit myuhc.com to search for a provider without needing to sign in
What are the plan details?
Make sure to review each plan’s overall costs, deductibles and copays (if applicable), plus their wellness programs,
tools and apps.
Access to a large national network
This quality network is committed to providing personalized care to
you and your family, with nearly 1.8 million providers and over 5,600
hospitals* —
including every major hospital in Maryland.
Local 24/7 Customer Service
We know managing your benefits and your health isn’t always easy.
That’s why we have a team in Maryland who understands Maryland
culture and resources. From understanding your claims to estimating
costs ahead of time, they’re here to help.
Tools and programs available
From managing a chronic condition to saving money and more,
take advantage of these programs and resources available as part
of your benefits:
• Participate in condition management or wellness programs
to improve your health at no additional cost to you
• Enjoy discounts on products and services like fitness trackers
and more
• Stay active with the One Pass Select™ fitness discount program
• Shop for wellness products from the Optum® Store
• New for 2025 -- Get the Calm app’s most popular features and much
more with Calm Health, available at no additional cost to you
Easier access to health care
• 24/7 Virtual Visits let you visit a doctor online anytime, anywhere,
for common conditions from your smartphone or computer
• A 24-hour nurse is ready to help anytime you need care
• Virtual primary care through myuhc.com® or the
UnitedHealthcare® app
• Virtual ID cards in the UnitedHealthcare app and
add plan details to your smartphone’s digital wallet
Here for every step of the journey
Dedicated to serving
you nationwide
and locally
• 29 million Americans
served by UnitedHealthcare
employer and individual
health benefits
• A nationwide network
with nearly 1.8 million
medical providers and
over 5,600 hospitals*
• Over 11,600 medical
providers and every
hospital in Maryland in the
UnitedHealthcare network
• A local 24/7 Maryland
Customer Service team
dedicated to State of
Maryland employees
and their families
*As of June 2024.
State of Maryland
State of Maryland
Save dollars by putting wellness first
2025 Wellness Plan
The State of Maryland is continuing their Wellness Plan in 2025. All employees, spouses and non-Medicare retirees are asked to
complete all 4 wellness activities for 2025. Please note that 2025 is a Wellness Plan reset year, so activities completed in 2024
do not carry over. Participating in this plan can help you save money on your health care with $0 copays on primary care
provider (PCP) and behavioral health office visits and 24/7 Virtual Visits, plus a reduction in specialist visit copays.
Get $0 PCP copays
Earn copay-free primary care provider (PCP) visits, 24/7
Virtual Visits and behavioral health visits for 2025. That’s a
savings of $15 per visit, for just 15 minutes online.
To get this savings, complete the Health Survey and
confirm you have a PCP on Rally®.
Follow these steps:
1 Sign in or register at myuhc.com
2 Go to My Account > Rewards
3 Register for Rally and complete your Health Survey
4 Go to the “Rewards” section to confirm your PCP
Note: You can also find your status in the “Rewards” section.
Save on specialist copays
Visit your PCP to get any recommended preventive
screenings. If you complete at least one of the following
preventive care activities, you’ll save $5 on specialist copays.
• A routine checkup, including personal history, blood
pressure, body mass index, physical exam and
comprehensive metabolic blood panel including
LDL/HDL, hemoglobin A1C and CBC
• Breast cancer
• Cervical cancer
• Colorectal cancer
• Tetanus and diphtheria immunization
• Type 2 diabetes
Complete an annual vision exam in addition to another
screening to save up to $10.
*This policy has exclusions, limitations and terms under which the policy may be continued in force or discontinued. This outline is intended as a summary only. For a detailed description of the benefits available,
please refer to the Evidence of Coverage.
**Provider may charge member additional amount through balance billing.
Compare your plan options
Summary of benefits
State of Maryland benefits
Jan. 1–Dec. 31, 2025
UnitedHealthcare
Choice EPO
UnitedHealthcare
ChoicePlus PPO
Network only
Network
Out of network
Plan overview
Referrals
No
No
National network
Yes
Yes
Deductible
None
None
$250 Individual
$500 Family
Coinsurance out-of-pocket maximum
None
$1,000 Individual
$2,000 Family
$3,000 Individual
$6,000 Family
Copay out-of-pocket maximum
$1,500 Individual
$3,000 Family
$1,000 Individual
$2,000 Family
None
Total annual medical out-of-pocket costs
$1,500 Individual
$3,000 Family
$2,000 Individual
$4,000 Family
$3,250 Individual
$6,500 Family
Lifetime maximum
Unlimited
Unlimited
Medical overview*
Physician office visits
Primary care provider (PCP)
$15 copay
$15 copay
70% after deductible
Specialist
$30 copay
$30 copay
70% after deductible
Inpatient care
100%
90%
70% after deductible
Outpatient care
100%
90%
70% after deductible
Inpatient hospitalization
100%
90%
70% after deductible
Outpatient facility
100%
90%
70% after deductible
Maternity
100%
90%
70% after deductible
Diagnostic lab and X-ray
100%
90% – Lab testing services
related to diabetes, high
blood pressure, heart disease,
asthma and COPD are paid
at 100%
70% after deductible
Durable medical equipment
100%
90%
70% after deductible
Emergency room
(inside and outside the area)
100% after $150 copay; copays are waived if admitted (If criteria are not met for a medical
emergency, plan coverage is 50% of allowed amount, plus the $150 copay)
Behavioral health
$15 copay
$15 copay
70% after deductible
Intensive outpatient services
100%
90%
70% after deductible
Preventive care
Mammography
100%
100%
100% of allowed amount**
Immunizations, including annual flu shots
(flu shots not covered out of network)
100%
100%
70% after deductible
Well-child care
100%
100%
70% after deductible
Annual physical exams
100%
100%
70% after deductible
Physical/occupational/speech therapy
$30 copay
$30 copay
70% after deductible
Acupuncture for chronic pain management
$30 copay
$30 copay
70% after deductible
Chiropractic services
$30 copay
$30 copay
70% after deductible
Hearing aids
100% for basic-model
hearing aids
100% for basic-model
hearing aids
70% after deductible for
basic-model hearing aids
Vision
For full vision benefit information, visit whyuhc.com/stateofmaryland
You also have the added option of discounted services on laser vision correction surgery through Laser Vision Network of America.
Mental health services are covered under both plans. Mental health providers can be found at liveandworkwell.com.
State of Maryland
State of Maryland
Get care from anywhere
Find answers to your
health care questions
Your UnitedHealthcare Customer Service team is
here to help you:
• Improve your health, manage a chronic condition
and understand complex medical issues
• Understand how your health plan works
• Get answers about a recent claim or how much
you can expect to pay
• Find a network provider, get a new health plan ID
card and much more
Call Customer Service 24/7 for help with questions
about your health plan and benefits.
Have a child with complex
medical needs?
Connect with an advocate who will be your single
point of contact for your entire family for concerns
such as:
• Support for insurance and payment, social
needs, family well-being and care delivery
• Advocacy and coordination with care teams and
providers to help ensure appropriate care
• Coordinating community and regional resources
• Resolving questions and issues
Connect with a nurse 24/7
NurseLine provides information from registered
nurses who are here to help guide your health
care decisions. Get answers to your questions
anytime, anywhere — at no additional cost. Call
1-800-382-7513.
Need a flexible care option?
Schedule a 24/7 Virtual Visit with an online doctor
anytime, anywhere, using myuhc.com or the
UnitedHealthcare app. 24/7 Virtual Visits are good
for minor health needs such as colds, flu, rashes,
sinus infections, pink eye, sore throats and more.
Try virtual primary care
Whether at home or on the go, access care in
the way that works best for you. Connect with a
provider for:
• Annual wellness visits
• Follow-up care for ongoing conditions,
including asthma and diabetes
• Prescriptions and refills
Get started on myuhc.com or the
UnitedHealthcare app.
1 Complete an online health assessment
You have 2 options:
a. Complete the Rally Health Survey on myuhc.com located under
My Account (click “Rewards”)
b. Complete the State of Maryland’s Health Assessment located on the
State of Maryland’s Department of Budget and Management website
2 Select a primary care provider
Confirm your selection under the “Rewards” tab in Rally.
Complete steps 1 and 2 to earn $0 copays on PCP and behavioral health
office visits and 24/7 Virtual Visits.
3 Complete preventive care screenings
Take the list of screenings with you to your annual physical exam. Complete
any screenings your doctor recommends to receive the $5 specialist copay
reduction. This savings can be combined with the vision exam $5 reduction.
4 Complete a vision exam
Complete an annual vision exam to receive
a $5 specialist copay reduction. This savings
can be combined with the preventive care
screenings $5 reduction for a total of $10
off specialist copays.
Qualifying for the Wellness Plan
To get the full value of the Wellness Plan, complete the following actions.
Pay $0 for copays on PCP
and behavioral health office
visits and 24/7 Virtual Visits.
Save up to $10 on specialist
visit copays.
State of Maryland
State of Maryland
Where life takes you, we’re there
Check if your doctor is in network
1 Go to whyuhc.com/stateofmaryland > Search for
a Provider
2 Click on the health plan you’re considering to see a
list of network providers
3 Once you’re a member, search for a provider at
myuhc.com > Find Care & Costs or search on the
UnitedHealthcare app.
Choose smart.
Look for the blue hearts.
As your health ally, we’re committed to helping you make
informed decisions when seeking out and choosing a
provider. The UnitedHealth Premium® program helps make
it easier for you to find doctors who meet our quality care
criteria, which includes safe, timely, effective and efficient
care, to help you choose care with confidence. To find a
Premium Care Physician near you, look for 2 blue hearts next
to their name on myuhc.com.
24/7 Virtual Visits
When you have an urgent need, a 24/7 Virtual Visit is a
convenient way to get the care you need. Video chat with a
doctor using a computer or mobile device* from the comfort
of home. Doctors can diagnose a wide range of medical
conditions and even prescribe medications, if needed.**
And with a UnitedHealthcare plan, your cost is $30 or less.
To get started, go to uhc.com/virtualvisits.
Prepare for your 24/7 Virtual Visit
Have these 3 items handy:
• Health plan ID card
• Credit card
• Pharmacy location
Behavioral health virtual visits
Talk with a psychiatrist or therapist right from home to get
help with general mental health conditions, such as anxiety
or depression. Your provider can even prescribe
medications, if appropriate.***
To find a behavioral health provider or schedule a virtual visit:
1 Sign in to or register on myuhc.com and go to Find Care
& Costs > Virtual Care > Virtual Behavioral Health Care
2 Call your chosen provider to schedule an appointment
or choose “Schedule Now” to schedule an
appointment online****
Virtual primary care
You can also get regular health visits and checkups with a
PCP virtually, without an office visit. You can choose to see a
network PCP regularly so the same provider will take care of
you over time.
Learn more at uhc.com/virtualvisits.
*Data rates may apply.
**Prescription services may not be available in all states.
***As per state telehealth rules and regulations. Certain prescriptions may not be available,
and other restrictions may apply.
****Available for participating network providers.
Choose where to go for care
• Search for a provider, clinic, hospital or lab based on location,
specialty, quality, cost, services and more
• View patient ratings
• Estimate treatment costs
• Schedule appointments online, including 24/7 Virtual Visits
Manage claims
• Track your claims
• View claims history and add personalized notes
• Depending on your plan and if you owe your health care provider, you
may be able to send your payment from the site (payment processing
managed by InstaMed®)
Learn about your wellness benefits
• Get tips on living healthier
• Receive reminders when it’s time for checkups or treatments
• Get suggestions on when to have immunizations, well visits,
routine tests or lab work
• Speak with a health coach
• Learn about your State of Maryland Wellness Plan and track
your progress
• Sign up for the Real Appeal® weight-management program
• Get started with the Quit For Life® tobacco cessation program
Get personalized health recommendations
from Rally
Rally shows you how to make changes to your daily routine, set goals and
stay on target. You’ll start with the Health Survey to get your Health Score
as well as an assessment of your overall health. Learn more on page 17.
Get ready for an all-new Rally app in 2025, to help make achieving your
goals more fun and personalized. Plus it will streamline the login process
with HealthSafe ID® for easy access to program benefits with a single
username and password.
Discover the source for all your health plan details
Through myuhc.com, get answers to your questions about benefits, claims and health information.
It’s simple to use, and through it, you can:
Access info on the go
Download the UnitedHealthcare
app from the App Store® or
Google Play® to:
• Find nearby network
care options
• See claim details
• View and share your
health plan ID card
• Go paperless and get a
digital ID card only
• Video chat with a
doctor 24/7
11
State of Maryland
10
State of Maryland
Support every step of the way
Preventive care may help you catch health problems early, when they’re easier and less costly to treat.
*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.
Prioritize preventive care
Regular preventive care is covered 100% by your
health plan when you see a network provider.*
Covered preventive services include:
• An annual exam
• Cancer screenings
• Cholesterol and blood pressure screenings
• Immunizations — including flu shots
• Pap tests and mammography for women
• Prostate screenings for men
To see which preventive care screenings you need and
what’s covered, visit uhc.com/preventivecare.
Ways to make the most of your visit
• Plan ahead. Write down any symptoms, concerns or
questions so you don’t forget.
• Listen carefully. Be sure you understand what your doctor
is telling you. Ask for written instructions, if needed.
• Take someone with you. They can take notes and help
you remember what was said.
• Ask questions. Tell your doctor if you have any concerns
about your treatment and recommended screenings or
about any costs.
Support for chronic conditions
Our Disease Management Programs offer personalized
support from a nurse for the following conditions:
• Asthma
• Chronic back pain
• Chronic obstructive
pulmonary disease (COPD)
• Coronary artery disease
(CAD)
• Diabetes
• Heart failure
• Hyperlipidemia
• Hypertension
Condition management
If you or a loved one has a chronic health condition
or have experienced a catastrophic health event,
you probably have questions. A personal nurse can
help you explore care options and provide additional
support and resources for more than 100 chronic
conditions. Call 1-800-382-7513, TTY 711.
Preventive vs. diagnostic care — know the difference
Preventive care includes routine screenings performed during your annual
preventive care visit, when you don’t have specific symptoms to be checked
or an illness to be treated. Diagnostic services include treatment for specific
conditions, ongoing care, lab work or other tests needed to manage or treat a
health condition. Depending on your benefit plan, you may have to pay for any
diagnostic services done during your preventive care visit.
Looking for a network doctor?
Find a doctor who fits your needs by
visiting myuhc.com or calling
1-800-382-7513, TTY 711
Quick-care options
Needs or symptoms
Cost
24/7 NurseLine
Call the number on your health
plan ID card for expert advice
• Deciding where to get
medical care
• Finding a provider
or hospital
• Health and wellness help
• Answers to questions
about medicines
No
additional
cost
PCP
Office or telehealth visit via
your local provider’s platform
• Checkups for ongoing conditions like asthma,
diabetes and more
• Follow-up visits
• Preventive care
Virtual primary care
Online PCP appointments
via myuhc.com or the
UnitedHealthcare app
• Checkups for ongoing conditions like asthma,
diabetes and more
• Follow-up visits
• Preventive care
24/7 Virtual Visits
Online doctor visits
anytime, anywhere
• Bladder infection
• Bronchitis
• Cold/flu
• Fever
• Pink eye
• Sinus problems
$
Convenience care clinic
Nearby treatment
• Earache
• Flu shot
• Minor injuries
• Skin rash
$$
Urgent care center
Quicker after-hours care
• Infections (skin, eye, ear/
nose/throat, genital-urinary)
• Low back pain
• Minor injuries (burns,
stitches, sprains,
small fractures)
• Respiratory (cough,
pneumonia, asthma)
• Stomach (pain,
vomiting, diarrhea)
$$$
Emergency room (ER)
For serious, immediate needs
• Chest pain
• Kidney stones
• Major burns
• Severe asthma attack
• Severe injuries
• Shortness of breath
$$$$
Know where to go for care
Start with your PCP
Your PCP has easy access to your records, knows the
bigger picture of your health and may even offer same-day
appointments to meet your needs. For the times when you can’t
see your PCP, you have other quick-care options that can help
you avoid financial surprises. Review your options below.
13
State of Maryland
12
State of Maryland
Explore the world with fresh eyes
Access an extensive nationwide network of quality eye care providers, with more than
165,000 access points for care nationwide,* for eye exams, frame and lens discounts,
and more. Choose from the latest frame styles and lens options from providers like
Warby Parker, Walmart®, Target and LensCrafters®, including discounts on contact
lenses, extra pairs of eyewear, laser vision correction and more.
ExpressExam
As a UnitedHealthcare Vision member, you can
renew your eyewear prescription virtually with
ExpressExam, available at no additional cost.
Visit 1800contacts.com/uhc to start your exam.
How it works:
• Take the exam – Use your phone or computer to take
an online vision exam; it only takes about 10 minutes
• Doctor review – A certified ophthalmologist in your
state reviews your exam results
• Get your prescription – If approved, your renewed
prescription will be ready to use within a few hours
Get started
• Sign in to myuhcvision.com
for 24/7 access to details
about your vision plan
• Call 1-800-382-7513, TTY 711
• With your UnitedHealthcare
health plan, you can access
both your vision and health
plan benefits online anytime
at myuhc.com. You can also
search providers and access
your health plan ID card on
your mobile device with the
UnitedHealthcare app
Have you heard?
You can get preferred pricing
on custom-programmed hearing
aids, starting at $699 each,
through UnitedHealthcare
Hearing. Get started by calling
1-866-926-6632, TTY 711, or
visiting UHCHearing.com.
Eye exams
Regular visits to an eye doctor can help
keep your eyes healthy and improve
your overall health. Your vision benefits
include a routine annual eye exam with
a network provider. See your benefit
handbook for details on coverage
amounts. Your vision benefit is powered
by UnitedHealthcare Vision Network. To
find a network vision provider near you,
visit myuhcvision.com.
Frame allowance**
When you use a network provider, you
can spend a frame allowance to help
buy any frame your eye doctor offers.
You get a discount on any cost over the
allowance amount.
Contact lens allowance**
You may have coverage for a fitting
and follow-up visits depending on your
plan design and lens choice. Sign in to
myuhcvision.com to learn more about
your specific benefit.
Lens options**
Popular lens options, like UV protection
or anti-reflective coating, are available
to you at price-protected amounts.
Plus, standard scratch coating and
polycarbonate lenses for dependent
children are available at no additional
cost.
Additional pairs of
glasses**
Receive a 20% discount on additional
pairs of eyeglasses, including
prescription sunglasses.
See more benefits
• Laser vision correction – Save up
to 35% of the national average price
of laser vision correction at more
than 900 QualSight® LASIK locations
nationwide**
• Contact lenses – Order extra
contact lenses at uhccontacts.com
for 10% off
*Network count as of June 2024.
**Not all providers participate in all plans. Check with your provider before using your benefits.
*Pre-certification is required. If your child has already
been diagnosed with autism and is receiving treatment,
your provider may already be approved.
Support for emotional well-being
From everyday stress to ongoing concerns like anxiety, depression and substance use, you have access to a
wide range of resources and ways to get support.
Behavioral health support
Get confidential help in person or virtually from a psychiatrist or therapist for:
• Depression, stress and anxiety
• Eating disorders
• Parenting and family problems
• Substance use and recovery
Calm Health app
You may have heard about or even used the Calm app. Now you have access to
its most popular features and much more with Calm Health. Available through
your benefits at no additional cost to you, it includes content written by licensed
psychologists. Work toward well-being goals like:
• Better sleep
• Building skills to manage stress
• Developing resiliency
• Starting and building a mindfulness habit
It’s all self-guided, so you can go at your own pace.
ABA therapy
Applied behavior analysis (ABA) therapy —
included as part of your benefits* — uses
behavioral principles to teach children skills
and behaviors they may not otherwise
learn on their own.
Substance use
treatment
If you or someone you love is
struggling with substance use,
call the Substance Use Treatment
Helpline. It’s available 24/7
as part of your benefits and is
completely confidential — you can
even remain anonymous.
To speak with a recovery advocate,
call 1-855-780-5955 or visit
liveandworkwell.com/recovery to
find care options and resources.
Start by visiting myuhc.com to see all that’s available.
988 Suicide &
Crisis Lifeline
Free and confidential emotional
support 24 hours a day, 7 days a
week for anyone in suicidal crisis
or emotional distress.
Call or text 988. You can also visit
988lifeline.org.
Use the provider search tool to find
therapists, psychiatrists or other behavioral
health clinicians and facilities near you
Check out articles, podcasts,
videos and other tools on topics
you care about
Link to a variety of resources
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1 Wing RR, Lang W, Wadden TA, et al. Benefits of modest weight loss in improving cardiovascular risk factors in obese and overweight individuals with type 2 diabetes. Diabetes Care. 2011;34(7):1481–1486.
Helping you stay healthy
Real Appeal
Real Appeal on Rally Coach™ is an online program designed to help
you and eligible members of your family stay healthy and manage
weight. Through it, you can:
Take small steps toward healthy habits
Set achievable nutrition, exercise and weight-management
goals, and track your progress from your daily dashboard.
Find a supportive community
Get support from personalized messages, online group
sessions led by coaches and a community of members.
Get a Success Kit delivered to your door
Make the most of tools and resources like weight and food
scales, a portion plate and more.
Wellness coaching
Work toward and achieve your health goals at your own pace with the
State’s Make the Call, Take the Call program.
• Get 1-on-1 support that fits your schedule online or via chat,
secure email or phone
• Design a personal action plan with your coach
• Access additional resources and programs for nutrition,
stress management and more
• Use self-guided tools and resources online, and connect
with your coach when you need more support
Get started today at myuhc.wellnesscoachingnow.com.
More programs to support well-being
Rally
Get a quick assessment of your overall health by
taking the Health Survey to get your Health Score.
Then get recommended Missions designed to
help you improve your mood, fitness and diet.
Start easy and level up when you’re ready. Rally
is available at no additional cost to you as part of
your UnitedHealthcare plan benefits. Get ready
for an all-new Rally app in 2025, to help make
achieving your goals more fun and personalized.
Follow these steps to get started:
1 Sign in at myuhc.com
2 Go to My Account > Rewards
3 Register for Rally and take the Health Survey
4 Download the Rally app
Quit For Life
If you’re ready to quit tobacco, Quit For Life can
help. Get 1-on-1 support from a Quit Coach® who
can help you create a plan. You’ll also receive a
quit guide, access to a members-only website,
help deciding if prescription or over-the-counter
medication is right for you and, if you qualify,
nicotine-replacement therapy like patches or
gum. To enroll, visit myuhc.com.
*There is a 1-time fee at time of registration.
Maternity support
If you’re thinking about having a baby, or already
have one on the way, maternity support is ready to
help. Maternity support is designed for all mothers,
no matter what the pregnancy journey looks like.
Start by taking a maternity support assessment,
which only takes minutes to complete. Based on
your responses, a maternity nurse may reach out
to you and connect you with the care you need,
answer your questions and support you every
step of the way. You’ll also get 24/7 access to 7
online maternity courses, covering topics from
preconception through breastfeeding.
Visit myuhc.com/maternity to complete the
assessment, watch videos and learn more about
maternity support.
One Pass Select
One Pass Select is a subscription-based fitness and
well-being program that supports a healthier
lifestyle while encouraging participants to find a
routine that fits their lifestyle with:
• No long-term contracts or annual fees*
• Flexible fitness options and the ability to use
locations nationwide (not limited to 1 gym)
• The ability to add up to 4 family members or
friends (ages 18+)
• The option to change tiers monthly
• A grocery delivery subscription with Classic
tier or above
Get started at onepassselect.com. Have your
Health Plan ID card handy.
Optum Store
Shop for health and wellness products and easily
search those that are FSA eligible. The Optum Store
offers a large selection of over-the-counter wellness
items, including medications for allergies, cold and
flu, personal care products and more. See what’s
available at store.optum.com.
of body weight can help reduce
the risk of type 2 diabetes and
heart disease.1
• Covered at no additional cost
as part of your medical plan
• Become a member for free at
stateMD.realappeal.com
Research shows
that losing just 5%
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If you think you weren’t treated fairly because of your sex, age, race,
color, disability or national origin, you can send a complaint to the Civil
Rights Coordinator:
Mail: UnitedHealthcare Civil Rights Grievance
P.O. Box 30608
Salt Lake City, UT 84130
Online: UHC_Civil_Rights@uhc.com
You must send the complaint within 60 days of when you found out
about it. A decision will be sent to you within 30 days. If you disagree
with the decision, you have 15 days to ask us to look at it again. If you
need help with your complaint, please call the toll-free member phone
number listed on your ID card.
You can also file a complaint with the U.S. Dept. of Health and
Human Services:
Online: https://ocrportal.hhs.gov/ocr/portal/lobby.jsf
Phone: Toll-free 1-800-368-1019, 1-800-537-7697 (TDD)
Mail: U.S. Dept. of Health and Human Services
200 Independence Avenue SW, Room 509F
HHH Building
Washington, DC 20201
We provide free services to help you communicate with us such
as letters in other languages or large print. You can also ask for an
interpreter. To ask for help, please call the toll-free member phone
number listed on your health plan ID card.
We do not treat members differently because of sex, age, race, color, disability or national origin.
ATTENTION: If you speak English, language assistance services, free
of charge, are available to you. Please call the toll-free phone number
listed on your identification card.
ATENCIÓN: Si habla español (Spanish), hay servicios de asistencia
de idiomas, sin cargo, a su disposición. Llame al número de teléfono
gratuito que aparece en su tarjeta de identificación.
請注意：如果您說中文 (Chinese)，我們免費為您提供語言協助服
務。請撥打會員卡所列的免付費會員電話號碼。
XIN LƯU Ý: Nếu quý vị nói tiếng Việt (Vietnamese), quý vị sẽ được cung
cấp dịch vụ trợ giúp về ngôn ngữ miễn phí. Vui lòng gọi số điện thoại
miễn phí ở mặt sau thẻ hội viên của quý vị.
알림: 한국어(Korean)를 사용하시는 경우 언어 지원 서비스를
무료로 이용하실 수 있습니다. 귀하의 신분증 카드에 기재된 무료
회원 전화번호로 문의하십시오.
PAALALA: Kung nagsasalita ka ng Tagalog (Tagalog), may makukuha
kang mga libreng serbisyo ng tulong sa wika. Pakitawagan ang toll-
free na numero ng telepono na nasa iyong identification card.
ВНИМАНИЕ: бесплатные услуги перевода доступны для
людей, чей родной язык является русским (Russian). Позвоните
по бесплатному номеру телефона, указанному на вашей
идентификационной карте.
تنبيه: إذا كنت تتحدث العربية (Arabic)، فإن خدمات المساعدة اللغوية
المجانية متاحة لك. يُرجى الاتصال برقم الهاتف المجاني المدرج على بطاقة
التعريف الخاصة بك.
ATANSYON: Si w pale Kreyòl ayisyen (Haitian Creole), ou kapab
benefisye sèvis ki gratis pou ede w nan lang pa w. Tanpri rele nimewo
gratis ki sou kat idantifikasyon w.
ATTENTION : Si vous parlez français (French), des services d’aide
linguistique vous sont proposés gratuitement. Veuillez appeler le
numéro de téléphone gratuit figurant sur votre carte d’identification.
UWAGA: Jeżeli mówisz po polsku (Polish), udostępniliśmy darmowe
usługi tłumacza. Prosimy zadzwonić pod bezpłatny numer telefonu
podany na karcie identyfikacyjnej.
ATENÇÃO: Se você fala português (Portuguese), contate o serviço
de assistência de idiomas gratuito. Ligue gratuitamente para o número
encontrado no seu cartão de identificação.
ACHTUNG: Falls Sie Deutsch (German) sprechen, stehen Ihnen
kostenlos sprachliche Hilfsdienstleistungen zur Verfügung. Bitte
rufen Sie die gebührenfreie Rufnummer auf der Rückseite Ihres
Mitgliedsausweises an.
رایتخا رد ناگیار روط هب ینابز دادما تامدخ ،تسا (Farsi) یسراف امش نابز رگا :هجوت
.دیریگب سامت هدش دیق امش ییاسانش تراک یور هک یناگیار نفلت هرامش اب افطل .دشاب یم امش
ध्यान दें: यदि आप हिंदी (Hindi) बोलते है, आपको भाषा सहायता
सेबाएं, नि:शुल्क उपलब्ध हैं। कृपया अपने पहचान पत्र पर सूचीबद्ध
टोल-फ्री फोन नंबर पर कॉल करें।
DÍÍ BAA’ÁKONÍNÍZIN: Diné (Navajo) bizaad bee yániłti’go, saad bee
áka’anída’awo’ígíí, t’áá jíík’eh, bee ná’ahóót’i’. T’áá shǫǫdí ninaaltsoos
nitł’izí bee nééhozinígíí bine’dę́ę́’ t’áá jíík’ehgo béésh bee hane’í
biká’ígíí bee hodíilnih.
Here’s the fine print
This brochure includes general information about your medical benefit plan. This summary is not a plan document under which the plan is maintained and administered. Any discrepancies between this information and
your plan documents will be governed by the plan documents. The benefits described are subject to change at any time.
These services and programs are for informational purposes only and should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. This content
is for informational and/or educational purposes only. It is not meant to be used in place of professional clinical consultations for individual health needs. Certain treatments may not be covered in some benefit plans.
The UnitedHealth Premium® program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at myuhc.com®. You should always consult myuhc.com for
the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you
may also wish to confer with him or her for advice on selecting other physicians. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please see myuhc.com
for detailed program information and methodologies.
All trademarks are the property of their respective owners.
Apple, App Store and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Play and the Google Play logo are registered trademarks of Google Inc.
Calm Health is not intended to diagnose or treat depression, anxiety, or any other disease or condition. The use of Calm Health is not a substitute for care by a physician or other health care provider. Any questions
that you may have regarding the diagnosis, care, or treatment of a medical condition should be directed to your physician or health care provider. Calm Health is a mental wellness product, and is not intended to make
any mental health recommendations or give clinical advice. Calm Health is not available to UnitedHealthcare E&I Fully Insured customers/members in District of Columbia, Maryland, New York, Pennsylvania, Virginia,
and West Virginia due to regulatory filings. 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. Images provided for illustrative purposes only. Members must be 16 years or older to use the services, unless a parent or legal guardian agrees to Calm “Terms.” The parent or
legal guardian of a user under the age of 16 is subject to the “Terms” and responsible for their child’s activity on the services.
Rally Health provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor’s care. If you have
specific health care needs, consult an appropriate health care professional. Participation in the Health Survey is voluntary. Your responses will be kept confidential in accordance with the law and will only be used to
provide health and wellness recommendations or conduct other plan activities.
The Quit For Life program provides information regarding tobacco cessation methods and related well-being support. Any health information provided by you is kept confidential in accordance with the law. The Quit
For Life program does not provide clinical treatment or medical services and should not be considered a substitute for your doctor’s care. Please discuss with your doctor how the information provided is right for you.
Participation in this program is voluntary. If you have specific health care needs or questions, consult an appropriate health care professional. This service should not be used for emergency or urgent care needs. In an
emergency, call 911 or go to the nearest emergency room.
One Pass Select is a voluntary program featuring a subscription-based nationwide gym network, digital fitness and grocery delivery service. The information provided under this program is for general informational
purposes only and is not intended to be nor should be construed as medical advice. Individuals should consult an appropriate health care professional before beginning any exercise program and/or to determine what
may be right for them. Purchasing discounted gym and fitness studio memberships, digital fitness or grocery delivery services may have tax implications. Employers and individuals should consult an appropriate tax
professional to determine if they have any tax obligations with respect to the purchase of these discounted memberships or services under this program, as applicable.
24/7 Virtual Visits is a service available with a provider via video, or audio-only where permitted under state law. It is not an insurance product or a health plan. Unless otherwise required, benefits are available only when
services are delivered through a Designated Virtual Network Provider. 24/7 Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances.
Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.
Real Appeal is a voluntary weight-management program that is offered to eligible members at no additional cost as part of their benefit plan. The information provided under this program is for general informational
purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an appropriate health care professional to determine what may be right for them.
Results, if any, may vary. Any items/tools that are provided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they may have from receiving items/tools
under the program.
Advocate services should not be used for emergency or urgent care needs. In an emergency, call 911 or go to the nearest emergency room. The information provided through Advocate (Advocate4Me) services is for
informational purposes only and provided as part of your health plan. Wellness nurses, coaches and other representatives cannot diagnose problems or recommend treatment and are not a substitute for your doctor’s
care. Your health information is kept confidential in accordance with the law. Advocate services are not an insurance program and may be discontinued at any time.
NurseLine is for informational purposes only. Nurses cannot diagnose problems or recommend specific treatment and are not a substitute for your doctor’s care. NurseLine services are not an insurance program and
may be discontinued at any time.
The information provided under Maternity Support is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an
appropriate health care professional to determine what may be right for them. If you believe you may have an emergency medical condition you should seek immediate care at an emergency department or call
9-1-1. Employers are responsible for ensuring that any wellness programs they offer to their employees comply with applicable state and/or federal law, including, but not limited to, GINA, ADA and HIPAA wellness
regulations, which in many circumstances contain maximum incentive threshold limits for all wellness programs combined that are generally limited to 30 percent of the cost of self-only coverage of the lowest-cost plan,
as well as obligations for employers to provide certain notices to their employees. Employers should discuss these issues with their own legal counsel.
State of Maryland Member Open Enrollment Guide
Administrative services provided by United HealthCare Services, Inc. or their affiliates.
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