10/31/22 to 11/18/22


Designed with you in mind, our 2023 plan options offer better choices, improved access and quality care—for everyone. We listened to your feedback and enhanced our offerings this year to meet the changing needs of you and your family.


A commitment to upgrading your health

We've designed our benefits to simplify the experience of accessing affordable, quality healthcare. The health of our employees and their families is our top priority, and we are here to support you every step of the way.

Excellence ongoing

For this year's plan offerings, we continue to emphasize quality-based networks and affordable, sustainable plans. We will also continue to offer concierge support through your selected plan and you'll still have access to health and wellness programs to help you stay healthy.

Your dental and vision plans and providers will remain the same. Also, additional benefits designed to provide financial security for you and your family will not change. These include life insurance, personal accident insurance, hospital indemnity and long-term disability.

Make the most of your benefits

Because the medical plans we offer are some of the industry's best, it's important that you actively enroll. That means carefully reviewing your plan options even if you're satisfied with your current coverage. Make sure your preferred doctor is in your network.

To make the most of your benefits, it's important that you review all your options carefully. Consider what's most important to you—whether it's a favorite doctor, lower monthly premiums or more hands-on support for your health issues. Whatever your priorities, there's a health plan that fits your needs.

*Depending on your plan, there may be changes to your pharmacy prescription benefits effective 1/1/2023. If your plan has changes, you'll receive a letter from CVS or your carrier. Go to the CVS website to learn more.


Frequently asked questions

Updated as of Nov. 11, 2022

  • What's new for 2023?+

  • Can I have tomorrow what I have today?+

  • How can I decide which medical plan is best for me? Where can I go to learn more about my options?+

  • Are employee premiums going up significantly?+

  • How do networks differ across plan types? Will I have to change my doctor next year?+

  • What do I need to do?+

  • What is a health concierge?+

  • I am happy with my coverage for 2022 and would like to stay in my same plan. What do I need to do?+

  • What is an HSA? How do I know I have one?+

  • I'm hearing about wellness incentives United offers. What do I need to do to receive the $800?+

  • I have dependents. For our family to get the full $1,600 into our HSA by participating in the United Savings PPO, do my dependents also need to complete the physical exam by the dates above?+

  • Where can I learn more about dental and vision insurance? Where do I go if I have dental and vision questions?+

  • I'm a new hire and have questions about enrolling in my benefits for 2022 and 2023.+

  • How can I get benefits information and reminders?+


Understanding healthcare costs

Know who pays and when

As consumers, we pay for healthcare in different ways:


The amount you pay for your health insurance every month.

Out-of-pocket (OOP) costs

What we pay when we see a doctor or receive a healthcare service. OOP costs can be in the form of:


flat-fee payments we pay before we see the doctor


percentages of the total discounted cost of the service


a set dollar amount you must pay before the plan starts to pay

To consider the cost of a plan, it's important to consider premiums, copays, coinsurance and deductibles.

A plan with lower premiums, like a high-deductible health plan (HDHP), usually has higher out-of-pocket (OOP) costs. Other factors like the doctors and hospitals you can choose from play into healthcare decisions as well.

If you pay high premiums but don't go to the doctor, you are paying for care you don't use. Some high-deductible health plans can be costly. However, United's HDHP, the United Savings PPO with HSA, offers a great way to save. With the United Savings PPO plan, individuals earn up to $800 for their HSA from United when they get their annual physical. Individuals also recieve up to $3,000 in critical illness insurance. With the Core HDHP plan, individuals earn funding for their HSA when they complete their annual physical, but the Core HDHP plan does not include critical illness insurance.

Note: Unused money in your HSA rolls over from year to year (if you're enrolled in the Core HDHP or United Savings PPO with HSA). The money remains yours even if you leave the health plan or move to a different employer.

You can choose from four different types of health plans in 2023

All plans offer prescription drug coverage, a network of doctors and hospitals with a demonstrated track record of delivering quality healthcare, access to virtual primary and mental healthcare, an on-call medical concierge, and free health and wellness tools.


United Savings PPO

offers you the most freedom when it comes to choosing the doctors and hospitals you want to use—both in- and out-of-network—at one of the lowest premiums of all the plans. It's a high-deductible health plan that works with an HSA account that is yours for life.

  • You are responsible for paying your annual deductible before plan pays percentage of covered costs
  • HSA funds can be used to offset deductible and out-of-pocket costs
  • United deposits money into your HSA after completion of your annual physical
  • Unused funds roll over year to year, allowing you to build a healthcare "nest egg"
  • Additionally, with this plan United offers $3,000 in critical illness insurance, including coverage for COVID-19


United PPO and United PPO 1250

offer the ability for you to use both in- and out-of network doctors, specialists and facilities.

  • Like the United Savings PPO, but without the HSA
  • Features some of the highest premiums with lower out-of-pocket costs


Centivo Platinum Plus EPO, United Silver Plus PPO and Bronze EPO

offer lower premiums and out-of-pocket costs than the PPO, but limits you to providers within an exclusive network of doctors, hospitals and specialists that meet the highest quality and cost standards. To be clear, there are no out-of-network benefits, except in the case of an emergency.

  • No out-of-network benefits
  • Features coverage for preventive care
  • Smallest network of doctors and hospitals, but all meet strict quality requirements
  • With United Silver Plus EPO, you have access to high-quality providers within a narrow network
  • Centivo Platinum Plus EPO plan available only in select parts of CT, NJ, NY, and PA surrounding EWR and MCO, and select zip codes around LAX and DEN


HMO Plans

offer the benefit of lower premiums and generally predictable out-of-pocket costs for individuals willing to work closely with their primary care physician (PCP) to manage their health. HMO options are available only to employees within defined states.

  • Available only in CA, CO, DC, GA, HI, IL, MD, OH, OR, TX, VA, WA, and WV
  • Copays may be lower than with other health plans
  • May be a good option for those with multiple or complex health issues
  • You are required to choose a PCP; referrals are needed prior to seeing a specialist

In some regions, employees may have access to plans unavailable elsewhere. Visit YBR at during Annual Benefits Enrollment to compare all of your plan options in detail.

Things to consider while choosing your plan:

Need help choosing?
During Annual Benefits Enrollment, use the Enrollment Reimagined tool on Your Benefits Resources (YBR) to help you decide. Answer a few simple questions about your healthcare usage, and the tool will look at your past claims to see what plan best fits your needs.

Do you go to the doctor a lot?
If you have small children or an ongoing health issue, you may find yourself in a doctor's office every few weeks or so. In that case, you might prefer a plan like the United Silver Plus EPO, with higher premiums but lower deductibles, copays and coinsurance, so you spend less for each doctor visit. However, there is no coverage for out-of-network doctors, hospitals or facilities except in the case of an emergency. You'll have access to those with a track record of offering high-quality care. And in the end, the best care costs less because patients get better outcomes.

Are you good at saving or don't go to the doctor very often?
Then a plan like the United Savings PPO with HSA might be perfect for you. When you set aside the money you're saving on premiums each month and apply it to your HSA, you will build up a healthcare "nest egg" that carries over from year to year to cover your out-of-pocket costs. As an added benefit, United will also contribute to your HSA each year, making your healthcare dollars stretch further. And if you don't need it now, you can save it to cover healthcare costs in retirement. It is your money, set aside for your healthcare. You also have your choice of in- or out-of-network doctors and hospitals, although you'll save more when you choose from in-network providers.

Willing to pay a little more for a broader network?
The United PPO 1250 offers the broadest selection of doctors and hospitals, although you will always pay less when you stay in-network. Unlike the United Savings PPO, however, it is not eligible for an HSA. While it features a higher premium, the deductible and out-of-pocket costs are lower.

Prefer a balance?
Consider the United PPO. You have the freedom of choosing from any doctor or hospital (although choosing an in-network provider saves you more), with middle-of-the-road premiums, deductible and out-of-pocket maximum.

Why an HSA might be the way to go

An HSA (Health Savings Account) is an account that helps you pay for qualified medical expenses and is designed to work with a high-deductible health plan (HDHP). This option is specific to the United Savings PPO and Core HDHP with an HSA.

Some of its many benefits include:

  • Low premiums
  • Triple-tax savings
  • Earning wellness incentives up to $800 for individuals, $1,600 for families ($750/$1,500 in the Core HDHP plan)
  • Automatic critical illness insurance is included in the United Savings PPO with HSA
  • No "use it or lose it" rule

Triple savings.
With an HSA your money goes in tax-free, it earns interest tax-free, and it's also tax-free when you withdraw money—as long as you use it for eligible healthcare expenses. You can also roll over funds from year to year, and the money is yours to keep even if you leave United or retire.

A few ways you might use an HSA:

If you're anticipating a big healthcare expense in the future, such as having a baby, an HSA is a good strategy for setting aside money, so you don't have to worry about unexpected expenses later.

If you were previously spending $300 a month on your monthly premiums, but the United Savings PPO has reduced that amount to $200, you can apply those savings to your HSA to offset your deductible or out-of-pocket costs.

If you plan on changing jobs or using the money next year, your HSA will always be there. It is a rollover account, which means unused funds are never lost and are tax-deferred.

Note: If you have an HSA and also elect to contribute to a Health Care Flexible Spending Account (HCFSA), the HCFSA will become limited in purpose.

No matter which option you choose, you benefit from:

  • 100% coverage for preventive care
  • Health and wellness tools and programs provided free of charge
  • Prescription drug coverage
  • A network of doctors and hospitals with a demonstrated track record in delivering quality healthcare to patients
  • Convenient access to virtual primary and mental healthcare
  • An on-call concierge to help you manage your healthcare and health plan details


Annual Benefits Enrollment: October 31 - November 18, 2022

It's time to take action. Whether you're satisfied with your current coverage or expect to have different needs in 2023, this is the time to learn about your options and actively choose your health benefits plan for next year.

Remember, you must actively enroll to elect a Health Care Flexible Spending Account (HCFSA) account for 2023.

Note: The wellness credit 1 and spousal surcharge2 2022 elections roll over for 2023

Visit Your Benefits Resources (YBR) for your personal coverage and plan details, as well as to compare your health plan premiums on YBR, beginning October 24, 2022.

Access YBR through Flying Together > Employee Services > Health & Insurance (YBR) Access YBR through or go to, or download the Alight Mobile app.

1 If you have previously indicated that you (and, if applicable, your covered spouse / qualified domestic partner) are tobacco-free, you will not have to indicate this again, as 2022 elections will roll over.

2 If you have previously indicated that your spouse/qualified domestic partner does not have access to subsidized health coverage through their own employer, you will not have to indicate this when you actively enroll for 2023, as 2022 elections will roll over.

United offers a wide variety of tools and resources to help you make the most of your 2023 benefits.

Over the next few weeks, a series of onsite pop-up sessions will help you learn more about healthcare options, find the best provider for you and your family and decide which medical plans are the best fit. United representatives will be able to answer questions you may have.


  • Narrow your search by using the filters for specialty, language, gender and distance preferences.
  • For best results, search by the doctor's last name, and look for the green check mark to confirm they are in-network for the plan, instead of the name of the practice where they work.
  • Be sure to double check spelling.
  • If you're not seeing many options, increasing the search distance will show more in-network doctors.
  • Be sure to confirm the address of the location you wish to visit as doctors may practice at more than one facility. Keep in mind, even though your doctor may be in-network with a specific practice or hospital, this does not mean that the entire facility is in-network.
  • Remember that each medical plan has a different provider network. While not all doctors participate in the networks of all plans, most will participate in one or more plans offered by United.



Key Dates | Onsite pop-up sessions

  • DATE: 11/1/22
  • TIME: 1000 - 1600 CDT
  • EVENT SPACE LOCATION: Walkway between concourses B & C, under B escalators
  • DATE: 11/1/22
  • TIME: 1000 - 1600 PDT
  • EVENT SPACE LOCATION: United Baggage Service in Terminal 3 Hallway Between Employee Bus stop and Carousel #1
  • DATE: 11/1/22
  • TIME: 1000 - 1400 MDT
  • DATE: 11/2/22
  • TIME: 0530 - 1300 PDT
  • EVENT SPACE LOCATION: Open Area Next to Main Cafeteria
  • DATE: 11/2/22
  • TIME: 1000 - 1600 MDT
  • DATE: 11/3/22
  • TIME: 1000 - 1600 PDT
  • EVENT SPACE LOCATION: Ramp Breakroom T7
  • DATE: 11/3/22
  • TIME: 1000 - 1600 CDT
  • EVENT SPACE LOCATION: 4th floor Social Room
  • DATE: 11/8/22
  • TIME: 0800 - 1300 CST
  • EVENT SPACE LOCATION: 12th floor conference area - Rooms 12102 & 12112
  • DATE: 11/9/22
  • TIME: 1300 - 2000 CST
  • DATE: 11/10/22
  • TIME: 1000 - 1600 CST
  • LOCATION: Chicago RES
  • DATE: 11/15/22
  • TIME: 1000 - 1600 CST
  • EVENT SPACE LOCATION: First floor lunch room
  • DATE: 11/15/22
  • TIME: 1000 - 1600 EST
  • EVENT SPACE LOCATION: Conference rooms A & B (across from claim area 1)
  • LOCATION: Houston RES
  • DATE: 11/16/22
  • TIME: 1000 - 1600 CST
  • DATE: 11/16/22
  • TIME: 1000 - 1600 EST
  • EVENT SPACE LOCATION: Liberty Conference Room
  • DATE: 11/17/22
  • TIME: 0700 - 1500 EST

Important dates to remember

Timeline for enrollment: