Health Plan

United Healthcare logo

Molly Bentz
HR Associate I

(301) 644-5093

Evelyn Davis
HR Associate I

(301) 644-5115

Frederick County Public Schools (FCPS), the Insurance Council and the Board of Education strive to bring state of the art benefits to our employees and their families.  FCPS offers a comprehensive medical plan that includes prescription and vision coverage. 

FCPS offers one health plan option: The Frederick County Public Schools Choice Plus Plan.

United Healthcare Choice Plus Medical Plan

In-network — Selecting a physician or health care provider within the UnitedHealthcare’s large local and national network means maximum coverage and lower out-of-pocket expenses. Copayments are charged for eligible services, and referrals are not required for specialty services.

Out-of-network — Higher deductibles are required and you must file claims for reimbursement of 80% of eligible expenses. Employees have a $200 deductible and an annual out-of-pocket maximum of $1,250. Family coverage requires a $400 deductible and an annual out-of-pocket maximum of $2,500.

How to find a network provider through UHC




  • Primary Care Physician - $20.00
  • Specialist - $30.00
  • Outpatient Diagnostic Services - $20.00
  • Inpatient Hospital - $100.00
  • Emergency Room (Non-Emergency) - $75.00


MAXIMUM OUT-OF-POCKET: No Out-of-Pocket Maximum


CO-INSURANCE: 20% after deductible


  • $200 per Covered Person
  • $400 for all Covered Persons in a family


  • $1,250 per Covered Person per policy year
  • $2,500 for all Covered Persons in a family
  • Out-of-Pocket Maximum includes the Annual Deductible

For more detailed information, please see the Summary Plan Description below.

UnitedHealthcare Resources

UnitedHealthcare offers many resources for you and your family. You can access Virtual Visits (how to access Virtual Visits), healthy discount program, myNurseLine, RealAppeal and many other healthcare resources to better support your health.  The UnitedHealthcare Guide to Programs and Services provides additional details to resources as well as many of the links below.

UnitedHealthcare offers free NurseLine Services to FCPS health plan participants and covered dependents 24 hours a day, 7 days a week. Get answers about medical conditions and medications plus help choosing appropriate medical care, understanding treatment options and finding a doctor and/or hospital. To speak with a registered nurse: 1-800-846-4678.

Cancer Support – UnitedHealthcare Sherpa

Cancer patients need support, and UHC’s designated team of Customer Care advisors can assist them with claims, authorizations, finding doctors, understanding benefits, recommending health resources and other concerns they may have.  Call Customer Service

Mothers to be

Special information is available for mother’s to be which includes an individualized Healthy Pregnancy and breast pump program for you and your baby. 

UHC Incentive Rewards

UnitedHealthCare offers you the opportunity to improve your health and earn rewards through its incentive rewards program.  You can set your own challenges and healthy goals and start earning now.  Begin by completing a Personalized Health  Assessment.

Real Appeal

Real Appeal ― an online weight loss and healthy lifestyle program ― at no cost to you!* Real Appeal is a scientifically-proven program that has helped individuals lose weight and lower their risk for chronic diseases such as heart disease, Type 2 diabetes, and more. You will receive a kit that includes everything you need to succeed.  The program is offered for employees who are covered through the UnitedHealthcare insurance plan and must meet specific criteria to participate. 

United Behavioral Health logo
(877) 702-5116

United Behavioral Health provides mental health programs for employees and their families should the need arise they are there to assist you through those difficult times.  Using an in-network benefit will keep your out-of-pocket copays and co-insurances at a minimum.

In addition, you will find FCPS has available to you services through the Employee Assistance Program (EAP) that will provide you several free visits for you or your dependents.  Find out more about the EAP program here.