Trout Insurance Services
  • HOME
  • Coverage
    • Home & Auto Insurance >
      • Limits
    • Life Insurance
    • MyChoice
    • Health Insurance 2019
    • ObamaCare
    • Short Term
    • All Medicare Plans
    • Social Sec Replacement
    • Accident Supplemental
    • Dental Insurance - Cigna
    • Pet Insurance
    • Business >
      • Group Health Insurance
      • Employee Benefits
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Personal Insurance >
      • Disability Insurance
      • Critical Illness
      • Long-Term Care
      • Annuities
    • Vision Insurance
    • Insurance "Plus" >
      • Critical Illness & Hospital Confinement
      • Dental Blue - DT
      • Life Insurance
  • Our Agents
    • Dave Trout
    • Jan Trout
    • Jessica Cody
    • Jeremy Sheridan
    • Ralph Redpath
  • Contact Us
  • About Us
    • Meet Our Staff
    • About Us
    • Trout Insurance on Main Street
    • Reviews >
      • Trout Insurance Endorsements
  • Blog
  • Insurance Companies
    • Life, Health, All Medicare Plans, Long Term Care, Disability
    • Personal Lines
    • Commerical LInes
  • Welcome to BC 2019
    • 2019 Verification-a
  • Value
  • Lost Subsidy
  • Renewal 2019
Picture
Picture
Do you have a United Healthcare ACA individual health plan with a network that requires a PCP (Primary Care Provider)??


Here are 3 helpful tips:


See the PCP first: 

Your PCP is the main doctor who takes care of you – the one who coordinates care and makes referrals to specialists, if needed.

You need to see your PCP even if you are undergoing treatment with a different doctor or specialist today. 

The PCP will need to make a referral to continue treatment. 


Remember: if you get care from a doctor, hospital or clinic outside the network, care will not be covered, and you'll  have to pay the full cost.


Get a referral to see a network specialist: 


When a PCP determines care from a specialist is needed, the PCP must submit a referral. A referral is a note sent electronically from the PCP to UnitedHealthcare. If you are On-Exchange (meaning you  are getting a subsidy from Healthcare.gov), you can see the electronic referrals from your  PCP on www.myuhc.com under the Physicians & Facilities tab ( If you are an Off-Exchange clients you can view referrals on www.MyUHOne.com). 


Remember: If care is received without a referral on file, it will not be covered, and you will have to pay the full cost. So it is important to see their PCP first.

Of course, no referral is needed for emergency care, and your client can go to any facility. 



Need to change PCP? 
Here's how:

The front of your health plan ID card shows the name of your  PCP. If you did not pick a doctor when you enrolled, UHC matched you with one in your area. 

If you want to change your PCP: Your insurance broker, Dave Trout can request the change or you can make the change on your own.
–On-Exchange clients can visit www.myuhc.com and select "Find a network doctor or hospital" to search for a provider.
Then you can make the change online, or call the toll-free member phone number on their ID card.


–Off-Exchange clients can visit www.myuhone.com and select "Find A Doctor" to search for a provider.
Then you can call the toll-free customer service phone number on your ID card to make the change.



When changing a PCP, keep in mind that the change will not be immediate. 
The effective date for a PCP change is similar to effective dates for ACA plans:


Changes made on or before the 15th of the month will apply the first of the following month.Changes made after the 15th will apply the first of the second month following the request.

Work with your PCP to take advantage of your plan's network savings and find the best care!


Trout Insurance Services
Visit: 29 N Main St
Weaverville, NC 28787
     
Mail: PO Box 1414     
Weaverville, NC 28787
     
Ph: 828.279.4681
Fax: 1-888-221-4842
dtroutinsurance@aol.com

    Subscribe!

Subscribe to Newsletter
Stay current with relevant insurance news. Newsletters usually send out about 1-2 times per month. We will never share your address. ​ 
Privacy Notice Statement  | Privacy Policy
Picture
Trout Insurance is a full line insurance agency based in WNC. We serve clients in North and South Carolina as well as national companies. Trout Insurance offers life, health, disability, Medicare supplement, Medicare Health Plans, Medicare Prescription Plans, Long term care insurance, Home and Auto insurance for individuals. For businesses we offer group health & benefits, commercial liability, property & worker's compensation as well as plans for business owners. 

Dave Trout, Jan Trout, Jessica Cody and Jeremy Sheridan are independent insurance agents with Trout Insurance.  Dave Trout specializes in life and disability insurance, Medicare supplement insurance, and commercial business insurance. Jan Trout specializes in Medicare Products. Jessica Cody, specializes in individual health, personal home and auto, small commercial and Medicare.  Jeremy Sheridan specialize in Group Health and Employee Benefits, Commercial, Health, Life and Medicare 
...


  • HOME
  • Coverage
    • Home & Auto Insurance >
      • Limits
    • Life Insurance
    • MyChoice
    • Health Insurance 2019
    • ObamaCare
    • Short Term
    • All Medicare Plans
    • Social Sec Replacement
    • Accident Supplemental
    • Dental Insurance - Cigna
    • Pet Insurance
    • Business >
      • Group Health Insurance
      • Employee Benefits
      • Commercial Property & Liability
      • Business Overhead Expense Disability
      • Disability for Business Owners
      • Critical Illness
    • Personal Insurance >
      • Disability Insurance
      • Critical Illness
      • Long-Term Care
      • Annuities
    • Vision Insurance
    • Insurance "Plus" >
      • Critical Illness & Hospital Confinement
      • Dental Blue - DT
      • Life Insurance
  • Our Agents
    • Dave Trout
    • Jan Trout
    • Jessica Cody
    • Jeremy Sheridan
    • Ralph Redpath
  • Contact Us
  • About Us
    • Meet Our Staff
    • About Us
    • Trout Insurance on Main Street
    • Reviews >
      • Trout Insurance Endorsements
  • Blog
  • Insurance Companies
    • Life, Health, All Medicare Plans, Long Term Care, Disability
    • Personal Lines
    • Commerical LInes
  • Welcome to BC 2019
    • 2019 Verification-a
  • Value
  • Lost Subsidy
  • Renewal 2019