Seeking Treatment

Step 1

For non-emergency medical care (i.e., flu, cold, minor injury, etc.), please visit a local doctor, urgent care center or walk-in medical clinic. If you need emergency care (such as a life-threatening injury or illness), go to the nearest hospital emergency room or call the emergency services (911 in the US) for immediate assistance. Providers can be located using our online provider search tool, or you can call the assistance number on your ID card for help. Doctors will require an appointment, while clinics and urgent care centers may let you walk in for immediate assistance.

Please note: Do not go to the emergency room if you do not have a true emergency as there may be an additional deductible.

Step 2

When you arrive, be sure to show your insurance ID card and inform them that your insurance is part of the UnitedHealthcare Network (the logo is on your insurance ID Card).

Please note: If you do not have your ID card with you, contact the provider after your appointment and provide them with your insurance details.

Step 3

In-network providers are typically able to bill directly, so you will just need to pay your deductible, and the bills will be sent direct for processing by the claims team. Out-of-network providers may ask for payment upfront, in which case you will need to pay the provider and then submit a claim form for reimbursement. Prescriptions filled at the pharmacy are always by reimbursement only.

Immediately after seeking treatment, complete a claim form, and email this, along with your itemized receipts/bills and a copy of your visa/passport, to for processing.