UnitedHealthcare Options PPO health plans allow members to choose a network physician or specialist without a referral (open-access).
It is the member's responsibility to obtain prior approvals for both network and non-network services. No referral is required to see a specialist.
If a non-network physician is chosen, out-of-pocket member costs will be higher and it is the member’s responsibility to obtain approvals and submit claims.
UnitedHealthcare Options PPO offers two levels of coverage: a higher level of benefits for in-network services, and a lower level of benefits for non-network services, with somewhat higher deductibles and coinsurance.