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High Deductible Health Plan

This traditional health plan covers you when you use doctors and hospitals in or out of our nationwide network. You can get care outside of our network, but your costs may be higher. There are no copayments on this plan. Instead, a simple deductible, coinsurance and out-of-pocket maximum apply. Prescription costs are applied to your deductible and coinsurance. This help keeps your out-of-pocket expenses low, compared to other plans, but still protects you from catastrophic health care costs.

HDHP 2010 Summary Plan Description


  • Summary
  • How it works

This traditional health plan covers you when you use doctors and hospitals in or out of our nationwide network. You can get care outside of our network, but your costs may be higher

Benefit/Service Network / Non-network
Deductible  
Employee $1,200 / $2,400
Employee + 1 $2,400 / $4,800
Employee + Children $2,400 / $4,800
Family $2,400 / $4,800
Out-of-pocket maximum  
Employee $1,800 / $4,000
Employee + 1 $3,100 / $7,400
Employee + Children $3,100 / $7,400
Family $3,100 / $7,400
Annual HRA Contribution  
Employee N/A
Employee + 1 N/A
Employee + Children N/A
Family N/A
Lifetime maximum benefit $2 million
Office / Doctor visit 90%; subj to ded / 60%; subj to ded
Specialist visit 90%; subj to ded / 60%; subj to ded
Urgent care visit 90%; subj to ded / 60%; subj to ded
Emergency room 90%; subj to ded / 90%; subj to ded
Ambulance 90%; subj to ded / 90%; subj to ded
Outpatient surgery 90%; subj to ded / 60%; subj to ded
Hospital stay 90%; subj to ded / 60%; subj to ded
Maternity Care/Office Visit 90%; subj to ded / 60%; subj to ded
Well-child visits 100%
Mammogram 100%
Annual adult physical 100%

You choose from:

  • Our vast network of physician locations and in-network hospitals nationwide
  • In fact, your current physician is very likely to be a member of our network! Use our finder tool to look up participating physicians and facilities in your area

 

You decide:

  • Which physician, specialist or hospital is right for you
  • When to see a specialist — no referrals needed
  • If you choose a network physician, it is their responsibility to submit claims
  • If you choose a non-network physician, it is your responsibility to submit claims
  • Notification is required for a number of network and non-network services, such as hospital stays

 

You get:

  • Our extensive information and tools, when and how you need them, via myuhc.com
  • Assisted service by telephone, toll-free
  • Access to registered nurses, 24 hours a day, to answer your clinical questions

Hear what our members say

Stories that touch us and connect us - and speak to us in ways that are memorable and believable

Health care success stories told by the people who lived them. The videos reveal the emotion and humanity of their personal health care stories.

 Learn more

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Learn more about the open enrollment options available to you.

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