Important information for patients with UnitedHealthcare

UnitedHealthcare Commercial and Exchange and UnitedHealthcare Medicare Advantage policyholders will no longer have in-network coverage at Providence Hospital, beginning November 15. This may result in higher out-of-network and out-of-pocket expenses.

If you are receiving the specific Covered Services listed in the chart below, as of Nov. 14, UnitedHealthcare will continue to cover those services at in-network rates for the continuing coverage period listed.

Will UnitedHealthcare insurance no longer be accepted at Providence Hospital?

We have spent months working to preserve our contract with UnitedHealthcare seeking to ensure patients can continue to receive in-network coverage at USA Health Providence Hospital. Unfortunately, we have not been able to reach an agreement. UnitedHealthcare members will no longer have in-network coverage at Providence Hospital, beginning November 15. This may result in higher out-of-pocket expenses.

What does "out of network" mean?

When you go out of network, you are receiving care from a doctor, specialist, or facility that does not have a contracted agreement with your health insurance plan. Depending on the details of your specific plan, seeing an out-of-network provider could result in higher out-of-pocket expenses — or in some cases, your insurance may not cover the cost at all.

To find out exactly what is covered when your care team is out of network, contact the number on the back of your insurance card.

My appointment is scheduled after Nov. 14. Should I still go?

Beginning Nov. 15, many services and procedures will be billed as out-of-network, which may result in higher out-of-pocket costs for you. Please review the list of exceptions at the bottom of the page.

I have PEEHIP. Does this apply to me?

UnitedHealthcare PEEHIP will be changing to Humana effective Jan. 1, 2026. During the period between Nov. 15, 2025, and Dec. 31, 2025, United PEEHIP patients will be out of network at Providence Hospital.

Can I continue my care at Providence Hospital even though I won’t be covered on an in-network basis?

Yes, you may continue receiving your care, and we truly value you as our patient. However, please note that your insurance will no longer cover the same portion of your costs. This means you will be personally responsible for a larger share of the charges, which could result in significant out-of-pocket expenses. We want to ensure you are fully informed so there are no unexpected surprises when you receive your bill. Because coverage varies by plan, we encourage you to call the number on the back of your UnitedHealthcare card to confirm your specific benefits prior to scheduling or receiving care.

What if I must go to the emergency room?

As always, if you have a medical emergency, you will receive an appropriate medical screening and, when necessary, stabilizing treatment regardless of your insurance coverage.

What should I do now?

Here are a few options:

• Continue with your current UnitedHealthcare plan and pay the out-of-network costs.
• Transition to a different health insurance company during open enrollment that provides coverage for USA Health Providence Hospital. Any updates you make during open enrollment will take effect Jan. 1, 2026.
  • Blue Cross Blue Shield of Alabama – Commercial and Medicare Advantage
  • Blue Cross Blue Shield of Mississippi – Blue Card
  • Humana – ChoiceCare, Military Tricare – AL, Medicare Advantage HMO and PPO
  • Cigna – Commercial and Cigna Healthspring – Medicare Advantage
  • Aetna – Commercial and Medicare Advantage
  • Viva – Health and Medicare Advantage
  • Medicaid – Alabama and Mississippi
  • Medicare – Alabama and Railroad
  • Ambetter – Alabama and Mississippi Exchange/Marketplace plans
  • Devoted Health – Medicare Advantage
  • Magnolia – Mississippi Exchange Plan
  • Mississippi Physician Care Network – MPCN – PPO
  • Molina – Mississippi CHIP – CAN – Exchange
  • Multiplan Inc – Alabama
  • Trucare of Mississippi
  • Wellcare of Mississippi – Medicare Advantage

Can I still use the patient portal?

Yes, your portal account will remain active, and your records — including visit summaries, labs, messages, and prescriptions — will continue to be accessible.

What happens if I am in the hospital when coverage expires Nov. 14?

If you are currently under in-patient care, your services (listed in the Exceptions section at the bottom of the page) will be covered on an in-network basis for 30 days or until you are discharged, whichever comes first.

My baby is due around the UnitedHealthcare expiration date of Nov. 14. What should I do?

It depends on the risk-level and trimester as of Nov. 14. See the Exceptions list at the bottom of the page.

I’m in the middle of chemotherapy. Do I have to go somewhere else?

Chemotherapy and other non-surgical cancer treatments will continue to be covered in-network until the end of your current treatment cycle or for 30 days, whichever is greater. Once your current treatment cycle is complete, these services will no longer be covered in-network. 

What about my infusion therapy?

It depends on the condition being treated. For cancer, chemotherapy will continue to be covered in-network until their current cycle ends or 30 days, whichever is greater. Non-cancer therapies will be considered out-of-network after Nov. 14.

If you are receiving any of the Covered Services listed below, as of Nov. 14, United will continue to render those Covered Services at in-network cost after Nov. 14, for the length of time indicated below: