UCP
UnitedHealthcare Insurance Company, Inc. — Choice Plus Advanced
FEHB Not offered after 2026|UnitedHealthcare Insurance Company, Inc. Choice Plus Primary East|Traditional|HMO/POS
Also listed as: Company; UnitedHealthcare Insurance Company; UnitedHealthcare Insurance Company, Inc. (Choice Plus Advanced); UnitedHealthcare Insurance Company, Inc. Choice Plus Advanced
Premium
biweekly · employee paysSelf Only 2026
$103.17biweekly · employee pays
vs 2025+$7.36 +7.7%
Lowest$49.97 (2017)
Highest$103.17 (2026)
Since 2015+68.9%
Self Plus One 2026
$219.15biweekly · employee pays
vs 2025+$15.64 +7.7%
Lowest$97.59 (2017)
Highest$219.15 (2026)
Since 2016+111.0%
Self & Family 2026
$247.53biweekly · employee pays
vs 2025+$17.68 +7.7%
Lowest$135.90 (2015)
Highest$247.53 (2026)
Since 2015+82.1%
Premium history
SharePeriodRate type
Year by year
follows the chart's share, period and rate-type selection| Year | Self Only | Δ | Self Plus One | Δ | Self & Family | Δ | Listed as |
|---|
Changelog
- 2015First appears in OPM rate tablesNew plan option for 2015.
- 2016Largest decrease: -12.9%Self Only employee share went from $61.08 to $53.18.
- 2016Option label changed“Value” → “Basic”
- 2016Renamed“Company” → “UnitedHealthcare Insurance Company”
- 2016Self Plus One enrollment addedOPM introduced the Self Plus One enrollment type government-wide in 2016.
- 2018Option label changed“Basic” → “Value”
- 2018Renamed“UnitedHealthcare Insurance Company” → “UnitedHealthcare Insurance Company, Inc. Choice Plus Advanced”
- 2019Renamed“UnitedHealthcare Insurance Company, Inc. Choice Plus Advanced” → “UnitedHealthcare Insurance Company, Inc. (Choice Plus Advanced)”
- 2020Renamed“UnitedHealthcare Insurance Company, Inc. (Choice Plus Advanced)” → “UnitedHealthcare Insurance Company, Inc. Choice Plus Advanced”
- 2022Largest increase: +19.7%Self Only employee share went from $63.99 to $76.59.
- 2026Option label changed“Value” → “Choice Plus Advanced”
- 2026Renamed“UnitedHealthcare Insurance Company, Inc. Choice Plus Advanced” → “UnitedHealthcare Insurance Company, Inc.”
- 2027No longer offeredNot present in OPM rate tables for 2027.
Full rate schedule
Plan yearIn-network
2026 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | 750 | 1500 | 1500 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $500 | $1,000 | $1,000 |
| Annual out-of-pocket maximum | $6,000 | $12,000 | $12,000 |
- Type of accountNot Applicable
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible waiver (with Medicare Parts A and B as Primary)Not applicable
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$6,000
- Primary care physician office visit (with Medicare Part B as Primary)25
- Specialty office physician visit (with Medicare Part B as Primary)$75
- Inpatient Hospital Services (with Medicare Part A as Primary)20%
- Outpatient hospital services (with Medicare Part A as Primary)20%
- Outpatient physician services (with Medicare Part B as Primary)20%
- Part B Premium Reimbursement (with Medicare as Primary)No
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver (with Medicare Advantage Part C as Primary)Deductible waived
- Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)$0
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)Member Pays Nothing
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)Member Pays Nothing
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)Member Pays Nothing
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)Member Pays Nothing
- Outpatient physician services (with Medicare Advantage Part C as Primary)Member Pays Nothing
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)$150
- Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
- Medicare Part D EGWP Prescription Drug Out-of-Pocket MaximumNot applicable
- Medicare Part D EGWP Tier 0Not applicable
- Medicare Part D EGWP Tier 1Not applicable
- Medicare Part D EGWP Tier 2Not applicable
- Medicare Part D EGWP Tier 3Not applicable
- Medicare Part D EGWP Tier 4Not applicable
- Medicare Part D EGWP Tier 5Not applicable
- Medicare Part D EGWP Tier 6Not applicable
- Preventive CareMember Pays Nothing
- Primary Care Office Visit$25
- Specialist Office Visit$75
- Emergency Care$350 Copayment
- Urgent Care$75
- Doctor Costs for Inpatient Surgery20%
- Hospital Inpatient Cost Per Admission20%
- Hospital Room Costs20%
- Other Inpatient Hospital Costs20%
- Doctor Costs for Outpatient Surgery20%
- Other Outpatient Surgery Costs20%
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)20%
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)20%
- Enhanced Lab NetworkNot applicable
- Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
- Tier 0Not applicable
- Tier 1$10
- Tier 250
- Tier 3100
- Tier 4200
- Tier 5Not applicable
- Tier 6Not applicable
- Mail Service Pharmacy Benefit (Prescription Drugs)Yes
- Mail Order Pharmacy Restriction (Prescription Drugs)Yes
- Specialty Pharmacy Restriction (Prescription Drugs)Yes
- Applied Behavioral Analysis (ABA)$50
- Chiropractic$25
- Occupational Therapy$25
- Physical Therapy$25
- Speech Therapy$25
- Professional Services (Mental Health and Substance Use Disorder)$50
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)20%
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)20%
- Diagnosis and Treatment (Infertility Services)20%
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)20%
- Artificial Insemination Services (e.g. ICI, IVI, IUI)50%
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)50%
- Surgical Procedures20%
- Reconstructive Surgery20%
- Hearing Services20%
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)$25
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)20%
- Hospice Care20%
- Home Health Services (Skilled Nursing Care)20%
- Durable Medical Equipment20%
- Outpatient Rehabilitation (Skilled Nursing Care Facility)20%
- Diabetes Education$25
- Nutritional Counseling$25 Copayment
- Routine Dental Exams and Cleaning for AdultsCovered
- Routine Dental Exams and Cleaning for ChildrenCovered
- Routine Eye ExamsCovered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture20%
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Out-of-network
2026 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $1,000 | $2,000 | $2,000 |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | $1,000 | $2,000 | $2,000 |
| Annual out-of-pocket maximum | $12,000 | $24,000 | $24,000 |
- Type of accountNot Applicable
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible waiver (with Medicare Parts A and B as Primary)Not applicable
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$12,000
- Primary care physician office visit (with Medicare Part B as Primary)Not applicable
- Specialty office physician visit (with Medicare Part B as Primary)50%
- Inpatient Hospital Services (with Medicare Part A as Primary)50%
- Outpatient hospital services (with Medicare Part A as Primary)50%
- Outpatient physician services (with Medicare Part B as Primary)50%
- Part B Premium Reimbursement (with Medicare as Primary)Not applicable
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver (with Medicare Advantage Part C as Primary)Not applicable
- Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)Not applicable
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)Not applicable
- Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
- Medicare Part D EGWP Prescription Drug Out-of-Pocket MaximumNot applicable
- Medicare Part D EGWP Tier 0Not applicable
- Medicare Part D EGWP Tier 1Not applicable
- Medicare Part D EGWP Tier 2Not applicable
- Medicare Part D EGWP Tier 3Not applicable
- Medicare Part D EGWP Tier 4Not applicable
- Medicare Part D EGWP Tier 5Not applicable
- Medicare Part D EGWP Tier 6Not applicable
- Preventive CareMember Pays All Charges
- Primary Care Office Visit50%
- Specialist Office Visit50%
- Emergency Care$350 Copayment
- Urgent Care50%
- Doctor Costs for Inpatient Surgery50%
- Hospital Inpatient Cost Per Admission50%
- Hospital Room Costs50%
- Other Inpatient Hospital Costs50%
- Doctor Costs for Outpatient Surgery50%
- Other Outpatient Surgery Costs50%
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)50%
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)50%
- Enhanced Lab NetworkNot applicable
- Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
- Tier 0Not applicable
- Tier 1Member Pays All Charges
- Tier 2Member Pays All Charges
- Tier 3Member Pays All Charges
- Tier 4Member Pays All Charges
- Tier 5Not applicable
- Tier 6Not applicable
- Mail Service Pharmacy Benefit (Prescription Drugs)Not applicable
- Mail Order Pharmacy Restriction (Prescription Drugs)Not applicable
- Specialty Pharmacy Restriction (Prescription Drugs)Not applicable
- Applied Behavioral Analysis (ABA)50% Coinsurance
- Chiropractic50% Coinsurance
- Occupational Therapy50% Coinsurance
- Physical Therapy50% Coinsurance
- Speech Therapy50% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)50% Coinsurance
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)50% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)50% Coinsurance
- Diagnosis and Treatment (Infertility Services)50% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)50% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)50% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)50% Coinsurance
- Surgical Procedures50% Coinsurance
- Reconstructive Surgery50% Coinsurance
- Hearing Services50% Coinsurance
- Hearing Aids (external)Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)50% Coinsurance
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)50% Coinsurance
- Hospice Care50% Coinsurance
- Home Health Services (Skilled Nursing Care)50% Coinsurance
- Durable Medical EquipmentMember Pays All Charges
- Outpatient Rehabilitation (Skilled Nursing Care Facility)50% Coinsurance
- Diabetes Education50% Coinsurance
- Nutritional Counseling50% Coinsurance
- Routine Dental Exams and Cleaning for AdultsCovered
- Routine Dental Exams and Cleaning for ChildrenCovered
- Routine Eye ExamsCovered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture50% Coinsurance
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
States
5District of ColumbiaIllinoisMarylandTexasVirginia
Counties covered
| State | Area |
|---|---|
| District of Columbia | Entire state |
| Illinois | Boone, Cook, Dekalb, Dupage, Grundy, Iroquois, Kane, Kankakee, Kendall, La Salle, Lake, Mchenry, Will, Winnebago |
| Maryland | Entire state |
| Texas | Atascosa, Bandera, Bexar, Comal, Guadalupe, Kendall |
| Virginia | Arlington, Clarke, Culpeper, Fairfax, Fairfax City, Fauquier, Frederick, Fredericksburg City, Greene, King George, Loudoun, Madison, Orange, Page, Prince William, Rappahannock, Rockingham, Shenandoah, Spotsylvania, Stafford, Warren |
Service area over time
| Year | States / areas listed |
|---|---|
| 2026 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2025 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2024 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2023 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2022 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2021 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2020 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2019 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2018 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2017 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2016 | District of Columbia, Illinois, Maryland, Texas, Virginia |
| 2015 | District of Columbia, Illinois, Maryland, Texas, Virginia |