The UnitedHealthcare Northern Light Health plans allow access to UnitedHealthcare’s full network of doctors and hospitals throughout Maine, New England and nationally. These plans cover features and benefits in addition to those included in Original Medicare and include an integrated Medicare Part D prescription drug benefit. Plan names include:
UnitedHealthcare® Northern Light Health Flex (HMO-POS)
UnitedHealthcare® Northern Light Health Choice (PPO)
Health Maintenance Organization (HMO) plans have a defined network of contracted local physicians and hospitals to provide member care. Generally, members must use these care providers to receive benefits for covered services, except in emergencies. Some HMO plans do not need referrals for specialty care.
Point of Service (HMO-POS) plans include all the features of HMO plans plus the ability to go outside the contracted network for certain health care services - typically at a higher cost. Some POS plans do not require referrals for specialty care.
Preferred Provider Organization (PPO) plans offer members access to a network of contracted physicians and hospitals, but also allow them the flexibility to seek covered services from outside of the contracted network, usually at a higher cost. Members do not need a referral for specialty care.
PPO plans are available as either local PPO (certain counties within a state) or regional PPO (RPPO) offerings. RPPOs serve a larger geographic area - either a single state or a multi-state area. RPPOs offer the same premiums, benefits and cost-sharing requirements to all members in the region.
UnitedHealthcare Medicare National Network (Note: Not available in all plans. To verify participation, look for the National Network logo on the member ID card. There is no member activation requirement.)