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Health - PPO Plan

When you visit network providers, you get access to quality care at the lowest out-of-pocket costs available under your plan. Your plan also offers the freedom to choose the providers you prefer - even if they aren't part of the network. Your benefits are the highest when you see "preferred providers," but you're still covered for visits to other providers.


  • All regular full-time employees, effective the first day of the month after 30 days of continuous service

2017 Choice Plus PPO Rates

United Healthcare PPO
Monthly (FT)
Bi-Weekly (FT)
Employee Only $214.43 $98.97
Employee + Spouse $849.13 $391.91
Employee + Child $675.45 $311.74
Family $1,235.10 $570.04

Employees with an annual household income below $45,000 may be eligible for a health insurance subsidy.


When you meet your deductible, the plan begins to pay 80% of your in-network expenses up to your out-of-pocket maximum. 

Individual $750 $2250 $100
Family $2250 $6750 $100/person
  • Does not apply to in-network preventative care, in-network office visits, prescription drugs.
  • Co-pays don't count toward the deductible. Co-pays (in-network) are $30 for a primary care physician and $50 for a specialist.
Individual $3000 None
Family $6000 None
  • The out-of-pocket maximum is the most you could pay during a coverage year and includes your deductible and co-pays. 
  • The out-of-pocket maximum does not include premiums and healthcare not covered under your plan, even though you pay these expenses.

Flex Spending

Employees may set aside money from their paychecks, pre-tax, for reimbursement for qualified medical expenses. For full details, review the Medical Flex Spending page.

Vendor Information

United Healthcare
Visit the United Healthcare website.

Plan Administrator: Davidson College


  • Is an eye exam included in the health plan? No. Davidson's medical insurance with United Healthcare does not provide a basic eye exam as part of coverage. For vision care, Davidson College now uses EyeMed.
  • Do I need a referral to see a specialist? No. You don't need a referral. You can see the specialist you choose without permission from this plan.
  • Does this plan use a network of providers? Yes. Check the United Healthcare website for a list of providers and cost estimate for a wide variety of procedures.
  • What is the co-pay for primary care visits? Primary care visits for injury or illness are $30 per visit for in-network providers. Specialist co-pays are $50 per visit for in-network providers.

Helpful Documents