Uhc Hsa 2000-80 1 17

Benefit Summary
Silver Choice Plus HSA 2000

Montana - Choice Plus
HSA - Plan ACFM
What is a benefit summary?
This is a summary of what the plan does and does not cover. This summary can also help you understand your share
of the costs. Its always best to review your Certificate of Coverage (COC) and check your coverage before getting any
health services, when possible.
What are the benefits of the Choice Plus Plan with an HSA?
Get network freedom and an HSA.
A network is a group of health care providers and facilities that have a contract with
UnitedHealthcare. You can receive care and services from anyone in or out of our network, but you save money when you use the network. You can save money when you
use the health savings account (HSA) and the network.
> There's coverage if you need to go out of the network. Out-of-network means that a
provider does not have a contract with us. Choose what's best for you. Just remember
out-of-network providers will likely charge you more.
> There's no need to choose a primary care provider (PCP) or get referrals to see a
specialist. Consider a PCP; they can be helpful in managing your care.
> Preventive care is covered 100% in our network.
Are you a member?

Easily manage your benefits
online at myuhc.com and
on the go with the
UnitedHealthcare
Health4Me mobile app.
For questions, call the
member phone number on
your health plan ID card.
> You can open a health savings account (HSA). An HSA is a personal bank account
to help you save and pay for your health care, and help you save on taxes.
Not enrolled yet? Learn more about this plan and search for network doctors or hospitals at
welcometouhc.com/choiceplushsa or call 1-866-873-3903, TTY 711, 8 a.m. to 8 p.m. local
time, Monday through Friday.
Benefits At-A-Glance
What you may pay for network care
This chart is a simple summary of the costs you may have to pay when you receive care in the network. It doesnt include all
of the deductibles and co-payments you may have to pay. You can find more benefit details beginning on page 2.
Co-insurance
(Your cost for an office visit)
20%
Individual Deductible
Co-insurance
(Your cost before the plan starts to pay) (Your cost share after the deductible)
$2,000
20%
This Benefit Summary is to highlight your Benefits. Don't use this document to understand your exact coverage for certain
conditions. If this Benefit Summary conflicts with the Certificate of Coverage (COC), Riders, and/or Amendments, those
documents are correct. Review your COC for an exact description of the services and supplies that are and are not covered, those
which are excluded or limited, and other terms and conditions of coverage.
UnitedHealthcare Insurance Company
Page 1 of 22
Your Costs
In addition to your premium (monthly) payments paid by you or your employer, you are responsible for paying these
costs.
Your cost if you use
Network Benefits

Out-of-Network Benefits
Deductible - Combined Medical and Pharmacy

What is a deductible?
The deductible is the amount you have to pay for covered health care services (common medical event) before your
health plan begins to pay. The deductible may not apply to all services. You may have more than one type of deductible.
> No one in the family is eligible for benefits until the family coverage deductible is met.
Medical Deductible - Single Coverage
$2,000 per year
$4,500 per year
Medical Deductible - Family Coverage
$4,000 per year
$9,000 per year
Dental - Pediatric Services Deductible Single Coverage
Included in your medical deductible.
Included in your medical

deductible.
Dental - Pediatric Services Deductible Family Coverage
Included in your medical deductible.
Included in your medical

deductible.
Out-of-Pocket Limit - Combined Medical and Pharmacy

What is an out-of-pocket limit?
The most you pay during a policy year before your health plan begins to pay 100%. Once you reach the out-of-pocket
limit, your health plan will pay for all covered services. This will not include any amounts over the amount we allow
when you see an out-of-network provider.
> Your co-pays, co-insurance and deductibles (including pharmacy) count towards meeting the out-of-pocket
limit.
> If more than one person in a family is covered under the Policy, the single coverage out-of-pocket limit does
not apply.
Out-of-Pocket Limit - Single Coverage
$5,300 per year
$9,000 per year
Out-of-Pocket Limit - Family

Coverage
$6,850 per year
$18,000 per year
Page 2 of 22
Your Costs
What is co-insurance?
Co-insurance is your share of the costs of a covered health care service, calculated as a percent (for example, 20%) of
the allowed amount for the service. You pay co-insurance plus any deductibles you owe. Co-insurance is not the same
as a co-payment (or co-pay).
What is a co-payment?
A co-payment (co-pay) is a fixed amount (for example, $15) you pay for a covered health care service, usually when
you receive the service. You will pay a co-pay or the allowed amount, whichever is less. The amount can vary by the
type of covered health care service. Please see the specific common medical event to see if a co-pay applies and how
much you have to pay.
What is Prior Authorization?
Prior Authorization is getting approval before you can get access to medicine or services. Services that require prior
authorization are noted in the list of Common Medical Events. To get approval, call the member phone number on your
health plan ID card.
Want more information?
Find additional definitions in the glossary at justplainclear.com.
Available Premium trend increase or decrease information for years 2011 through 2015 is provided below:
2011
16.0%
2012
16.0%
2013
16.0%
2014
13.0%
2015
12.0%
Page 3 of 22
Your Costs
Following is a list of services that your plan covers in alphabetical order. In addition to your premium (monthly) payments
paid by you or your employer, you are responsible for paying these costs.
Common Medical Event

Network Benefits

Acupuncture Services
20% co-insurance, after the medical
deductible has been met.
Ambulance Services - Emergency and Non-Emergency
Prior Authorization is required for
Non-Emergency Ambulance.

20% co-insurance, after the
network medical deductible has
been met.
Non-Emergency Ambulance.
Autism Spectrum Disorder Treatment

The amount you pay is based on where the covered health service is
provided.
Outpatient Prescription Medications
for Autism Spectrum Disorder
Treatment
Benefits for outpatient prescription

medications will be provided under
the Outpatient Prescription Drug
Rider.

Rider.
Prior Authorization is required.
Clinical Trials
provided.
Chiropractic Services
Limited to 20 visits of manipulative
treatments.per year.
Benefits for chiropractic services will be the same as those stated under
Physicians Office Services.
Congenital Heart Disease (CHD) Surgeries


Page 4 of 22
Your Costs

Network Benefits

Dental - Pediatric Services (Benefits covered up to age 19)

Benefits provided by the National Options PPO 30 Network (PPO-UCR 80th).
Dental - Pediatric Preventive Services
Dental Prophylaxis (Cleanings)
You pay nothing. A deductible does
not apply.
Limited to 2 times per 12 months.

not apply.
Fluoride Treatments

not apply.

not apply.
Sealants (Protective Coating)

Limited to once per first or second
permanent molar every 36 months.

not apply.

not apply.
Space Maintainers
Benefit includes all adjustments within
6 months of installation.

not apply.

not apply.
Dental - Pediatric Diagnostic Services

Periodic Oral Evaluation (Check-up You pay nothing. A deductible does
Exam)
not apply.
Covered as a separate Benefit only if no
other service was done during the visit
other than X-rays.
Radiographs
Limited to 2 series of films per 12
months for Bitewing and 1 time per 36
months for Complete/Panorex.

not apply.
Page 5 of 22

not apply.

not apply.
Your Costs

Network Benefits
Dental - Pediatric Basic Dental Services

Endodontics (Root Canal Therapy)

General Services (Including

Emergency treatment)
Palliative Treatment: Covered as a
separate Benefit only if no other service
was done during the visit other than Xrays.
General Anesthesia: Covered when
clinically necessary.
Occlusal Guard: Limited to 1 guard
every 12 months and only covered if
prescribed to control habitual grinding.


Oral Surgery (Including Surgical

Extractions)


Periodontics
Periodontal Surgery: Limited to 1
quadrant or site per 36 months per
surgical area.
Scaling and Root Planing: Limited to 1
time per quadrant per 24 months.
Periodontal Maintenance: Limited to 4
times per 12 months. In conjunction
with dental prophylaxis, following
active and adjunctive periodontal
therapy, exclusive of gross
debridement.


Restorations (Amalgam or Anterior

Composite)
Multiple restorations on one surface
will be treated as one filling.


Simple Extractions (Simple tooth

removal)
Limited to 1 time per tooth per lifetime.

Page 6 of 22
Your Costs

Network Benefits
Dental - Pediatric Major Restorative Services

Inlays/Onlays/Crowns (Partial to
Full Crowns)
Limited to 1 time per tooth per 60
months.

Dentures and other removable

Prosthetics
(Full denture/partial denture)
Limited to 1 time per 60 months.


Fixed Partial Dentures (Bridges)

months.


Implants
months.


Dental - Pediatric Medically Necessary Orthodontics

Benefits are not available for
comprehensive orthodontic treatment
for crowded dentitions (crooked teeth),
excessive spacing between teeth,
temporomandibular joint (TMJ)
conditions and/or having horizontal/
vertical (overjet/overbite)
discrepancies.

Prior Authorization required for

orthodontic treatment.
Prior Authorization required for

orthodontic treatment.


been met.
Dental Services - Accident Only
Page 7 of 22
Your Costs
Diabetes Services
Diabetes Self-Management and
Training/Diabetic Eye Examinations/
Foot Care:
Outpatient Prescription Medication for

Diabetes

Network Benefits

For prescribed self-management

training and education for the
treatment of diabetes, you are covered
up to $250 without charge per year.
For charges exceeding $250, your
share of cost is based on where the
covered health service is provided.
The amount you pay is based on

where the covered health service is
provided.

medications are provided under the
Outpatient Prescription Drug Rider.

medications are provided under the
Outpatient Prescription Drug Rider.
Durable Medical Equipment that
costs more than $1,000.
Durable Medical Equipment


Durable Medical Equipment that
costs more than $1,000.
Emergency Health Services - Outpatient


been met.
Notification is required if confined
in an Out-of-Network Hospital.
Hearing Aids
Limited to a single purchase (including
repair and replacement) per hearing
impaired ear every 3 years.
Home Health Care
Limited to 180 visits per year.




Hospice Care

Inpatient Stay.
Page 8 of 22
Your Costs

Network Benefits



Hospital - Inpatient Stay

Inborn Errors of Metabolism
The amount you pay is based on where the covered health service is provided
or if your benefit plan includes an Outpatient Prescription Drug Rider, as
provided under the Outpatient Prescription Drug Rider.
for Inborn Errors of the Metabolism

Rider.

Rider.
Pior Authorization is required.
Lab, X-Ray and Diagnostics - Outpatient


sleep studies.
Lab, X-Ray and Major Diagnostics - CT, PET, MRI, MRA and Nuclear Medicine - Outpatient
Mental Health Services
Inpatient:


Outpatient:


Partial Hospitalization/Intensive
Outpatient Treatment:



for Severe Mental Illness

Rider.

Rider.
certain services.
Page 9 of 22
Your Costs

Network Benefits
Neurobiological Disorders Autism Spectrum Disorder Services

Inpatient:

Outpatient:




certain services.
Ostomy Supplies

Pharmaceutical Products - Outpatient

This includes medications given at a
doctors office, or in a Covered
Persons home.

Physician Fees for Surgical and Medical Services


Physicians Office Services - Sickness and Injury

Primary Physician Office Visit

Specialist Physician Office Visit


Breast Cancer Genetic Test
Counseling (BRCA) for women at
higher risk for breast cancer.
Pregnancy - Maternity Services

provided.
Prior Authorization is required if
the stay in the hospital is longer than
48 hours following a normal
vaginal delivery or 96 hours
following a cesarean section
delivery.
Prescription Drug Benefits
Prescription drug benefits are shown in the Prescription Drug benefit summary.
Page 10 of 22
Your Costs
Preventive Care Services
Physician Office Services, Scopic
Procedures, Lab, X-Ray or other
preventive tests.

Network Benefits


not apply.

deductible has been met. Any
deductible does not apply to
immunizations and well baby and
well child care for Enrolled
Dependent children through age 7.
For mammography screening, you
pay nothing until we have paid $70
or the actual cost of the screening
mammography, whichever is less.
Certain preventive care services are provided as specified by the Patient Protection and Affordable Care Act (ACA),
with no cost-sharing to you. These services are based on your age, gender and other health factors. UnitedHealthcare
also covers other routine services that may require a co-pay, co-insurance or deductible.
Prosthetic Devices

Prosthetic Devices that costs more
than $1,000.
Reconstructive Procedures
provided.
Page 11 of 22
Your Costs

Network Benefits

Rehabilitation and Habilitative Services - Outpatient Therapy and Manipulative Treatment

Limited to:
deductible
has
been
met.
20 visits of pulmonary rehabilitation.
30 visits of post-cochlear implant aural
therapy.
20 visits of cognitive rehabilitation
therapy.
Coverage is provided for diagnosis and
treatment of Down Syndrome for a
covered child 18 years of age or
younger.
Coverage includes:
104 visits of speech therapy per year.
52 visits of physical therapy per year.
52 visits occupational therapy per year.
Habilitative and rehabilitation care
include intensive intervention
programs and early intensive
behavioral intervention.
certain services.
Scopic Procedures - Outpatient Diagnostic and Therapeutic
Diagnostic/therapeutic scopic
procedures include, but are not limited deductible has been met.
to colonoscopy, sigmoidoscopy and
endoscopy.

Skilled Nursing Facility / Inpatient Rehabilitation Facility Services

Limited to 60 days per year in a Skilled
Nursing Facility.


Substance Use Disorder Services

Inpatient:

Outpatient:




certain services.
Page 12 of 22
Your Costs

Network Benefits



Surgery - Outpatient

certain services.
Telemedicine
provided.
Temporomandibular Joint Services
provided.
Therapeutic Treatments - Outpatient
Therapeutic treatments include, but are 20% co-insurance, after the medical
not limited to dialysis, intravenous
chemotherapy, intravenous infusion,
medical education services and
radiation oncology.


certain services.
Transplantation Services
Network Benefits, services must be
received at a designated facility.
provided.




Urgent Care Center Services
Virtual Visits
Network Benefits are available only
when services are delivered through a
Designated Virtual Visit Network
Provider. Find a Designated Virtual
Visit Network Provider Group at
myuhc.com or by calling Customer
Care at the telephone number on your
ID card. Access to Virtual Visits and
prescription services may not be
available in all states or for all groups.
Page 13 of 22
Your Costs

Network Benefits

Vision - Pediatric Services (Benefits covered up to age 19)

Find a listing of Spectera Eyecare Network Vision Care Providers at myuhcvision.com.
Routine Vision Examination
Limited to once every 12 months.

not apply.

Eyeglass Lenses
Coverage includes polycarbonate
lenses and standard scratch-resistant
coating.


Eyeglass frames with a retail cost up to

$130.


Eyeglass frames with a retail cost

between $130 - 160.



between $160 - 200.



between $200 - 250.



greater than $250.


Contact Lenses/Necessary Contact

Lenses
You may choose contact lenses instead
of eyeglasses. The benefit doesn't cover
both.
Limited to a 12 month supply.
Find a complete list of covered contacts
at myuhcvision.com.


Low Vision Services

Limited to a 24 month frequency, or
every 6 months when low vision
conditions occur.
You pay nothing for Low Vision

Testing. A deductible does not apply.
25% co-insurance for Low Vision
Therapy. A deductible does not apply.

Testing, after the medical
Therapy, after the medical
Eyeglass Frames
Vision Examination (Benefit is for Covered Persons over age 19)

Find a listing of Spectera Eyecare Network Vision Care Providers at myuhcvision.com.
Limited to 1 exam every 12 months.

not apply.
Page 14 of 22

Services your plan does not cover (Exclusions)

It is recommended that you review your COC, Amendments and Riders for an exact description of the services and
supplies that are covered, those which are excluded or limited, and other terms and conditions of coverage.
Alternative Treatments
Acupressure; aromatherapy; hypnotism; massage therapy; rolfing; art therapy, music therapy, dance therapy, horseback
therapy; and other forms of alternative treatment as defined by the National Center for Complementary and Alternative
Medicine (NCCAM) of the National Institutes of Health. This exclusion does not apply to Manipulative Treatment,
Chiropractic or Naturopathic Services and non-manipulative osteopathic care for which Benefits are provided as
described in Section 1 of the COC.
Dental
Dental care (which includes dental X-rays, supplies and appliances and all associated expenses, including
hospitalizations and anesthesia). This exclusion does not apply to accident-related dental services for which Benefits are
provided as described under Dental Services Accident Only in Section 1 of the COC. This exclusion does not apply to
dental care (oral examination, X-rays, extractions and non-surgical elimination of oral infection) required for the direct
treatment of a medical condition for which Benefits are available under the Policy, limited to: Transplant preparation;
prior to initiation of immunosuppressive drugs; the direct treatment of acute traumatic Injury, cancer or cleft palate.
Dental care that is required to treat the effects of a medical condition, but that is not necessary to directly treat the
medical condition, is excluded. Examples include treatment of dental caries resulting from dry mouth after radiation
treatment or as a result of medication. Endodontics, periodontal surgery and restorative treatment are excluded.
Preventive care, diagnosis, treatment of or related to the teeth, jawbones or gums. Examples include: extraction,
restoration and replacement of teeth; medical or surgical treatments of dental conditions; and services to improve dental
clinical outcomes. This exclusion does not apply to accidental-related dental services for which Benefits are provided as
described under Dental Services Accidental Only in Section 1 of the COC. Dental implants, bone grafts and other
implant-related procedures. This exclusion does not apply to accident-related dental services for which Benefits are
provided as described under Dental Services Accident Only in Section 1 of the COC. Dental braces (orthodontics).
Treatment of congenitally missing, malpositioned, or supernumerary teeth, even if part of a Congenital Anomaly.
Page 15 of 22

Dental - Pediatric Services
Benefits are not provided under Pediatric Dental Services for the following: Any Dental Service or Procedure not listed
as a Covered Pediatric Dental Service. Dental Services that are not Necessary. Hospitalization or other facility charges.
Any Dental Procedure performed solely for cosmetic/aesthetic reasons. (Cosmetic procedures are those procedures that
improve physical appearance.) Reconstructive surgery, regardless of whether or not the surgery is incidental to a dental
disease, Injury, or Congenital Anomaly, when the primary purpose is to improve physiological functioning of the
involved part of the body. Any Dental Procedure not directly associated with dental disease. Any Dental Procedure not
performed in a dental setting. Procedures that are considered to be Experimental or Investigational or Unproven
Services. This includes pharmacological regimens not accepted by the American Dental Association (ADA) Council on
Dental Therapeutics. The fact that an Experimental, or Investigational or Unproven Service, treatment, device or
pharmacological regimen is the only available treatment for a particular condition will not result in Benefits if the
procedure is considered to be Experimental or Investigational or Unproven in the treatment of that particular condition.
Drugs/medications, obtainable with or without a prescription, unless they are dispensed and utilized in the dental office
during the patient visit. Setting of facial bony fractures and any treatment associated with the dislocation of facial
skeletal hard tissue. Treatment of benign neoplasms, cysts, or other pathology involving benign lesions, except
excisional removal. Treatment of malignant neoplasms or Congenital Anomalies of hard or soft tissue, including
excision. Replacement of complete dentures, fixed and removable partial dentures or crowns and implants, implant
crowns and prosthesis if damage or breakage was directly related to provider error. This type of replacement is the
responsibility of the Dental Provider. If replacement is Necessary because of patient non-compliance, the patient is
liable for the cost of replacement. Services related to the temporomandibular joint (TMJ), either bilateral or unilateral.
Upper and lower jaw bone surgery (including that related to the temporomandibular joint). Orthognathic surgery, jaw
alignment, and treatment for the temporomandibular joint. Charges for failure to keep a scheduled appointment without
giving the dental office 24 hours notice. Expenses for Dental Procedures begun prior to the Covered Person becoming
enrolled for coverage provided through the Rider to the Policy. Dental Services otherwise covered under the Policy, but
rendered after the date individual coverage under the Policy terminates, including Dental Services for dental conditions
arising prior to the date individual coverage under the Policy terminates. Services rendered by a provider with the same
legal residence as a Covered Person or who is a member of a Covered Persons family, including spouse, brother, sister,
parent or child. Foreign Services are not covered unless required as an Emergency. Fixed or removable prosthodontic
restoration procedures for complete oral rehabilitation or reconstruction. Procedures related to the reconstruction of a
patient's correct vertical dimension of occlusion (VDO). Billing for incision and drainage if the involved abscessed tooth
is removed on the same date of service. Placement of fixed partial dentures solely for the purpose of achieving
periodontal stability. Acupuncture; acupressure and other forms of alternative treatment, whether or not used as
anesthesia. Orthodontic coverage does not include the installation of a space maintainer, any treatment related to
treatment of the temporomandibular joint, any surgical procedure to correct a malocclusion, replacement of lost or
broken retainers and/or habit appliances, and any fixed or removable interceptive orthodontic appliances previously
submitted for payment under the plan.
Devices, Appliances and Prosthetics
Devices used specifically as safety items or to affect performance in sports-related activities. Orthotic appliances that
straighten or re-shape a body part. Examples include foot orthotics and some types of braces, including over-the-counter
orthotic braces, except foot orthotic appliances, impression casting for orthotic appliances, padding and strapping and
fabrication for members with diabetes. Cranial banding. The following items are excluded, even if prescribed by a
Physician: blood pressure cuff/monitor; enuresis alarm; non-wearable external defibrillator; trusses and ultrasonic
nebulizers. Devices and computers to assist in communication and speech except for speech aid devices and tracheoesophogeal voice devices for which Benefits are provided as described under Durable Medical Equipment in Section 1
of the COC. Oral appliances for snoring. Repairs to prosthetic devices due to misuse, malicious damage or gross neglect.
Replacement of prosthetic devices due to misuse, malicious damage or gross neglect or to replace lost or stolen items.
Page 16 of 22

Drugs
Prescription drug products for outpatient use that are filled by a prescription order or refill. For Benefit plans that do not
include an Outpatient Prescription Drug Rider, this exclusion does not apply to prescription medications for the
treatment of autism spectrum disorders as that term is defined in under Autism Spectrum Disorder Treatment in Section
1 of the COC, diabetes, inborn errors of the metabolism and Severe Mental Illness for which Benefits are provided under
this Certificate as described under Autism Spectrum Disorder Treatment, Diabetes Services, Inborn Errors of
Metabolism and Mental Health Services in Section 1 of the COC. Self-injectable medications. This exclusion does not
apply to medications which, due to their characteristics (as determined by us), must typically be administered or directly
supervised by a qualified provider or licensed/certified health professional in an outpatient setting. For Benefit plans that
do not include an Outpatient Prescription Drug Rider, this exclusion does not apply to prescription medications for the
treatment of autism spectrum disorders as that term is defined in under Autism Spectrum Disorder Treatment in Section
1 of the COC, diabetes, inborn errors of the metabolism and Severe Mental Illness for which Benefits are provided under
this Certificate as described under Autism Spectrum Disorder Treatment, Diabetes Services, Inborn Errors of
Metabolism and Mental Health Services in Section 1 of the COC. Non-injectable medications given in a Physicians
office. This exclusion does not apply to non-injectable medications that are required in an Emergency and consumed in
the Physicians office. Over-the-counter drugs and treatments. Growth hormone therapy. New Pharmaceutical Products
and/or new dosage forms until the date they are reviewed. A Pharmaceutical Product that contains (an) active
ingredient(s) available in and therapeutically equivalent (having essentially the same efficacy and adverse effect profile)
to another covered Pharmaceutical Product. Such determinations may be made up to six times during a calendar year. A
Pharmaceutical Product that contains (an) active ingredient(s) which is (are) a modified version of and therapeutically
equivalent (having essentially the same efficacy and adverse effect profile) to another covered Pharmaceutical Product.
Such determinations may be made up to six times during a calendar year. Benefits for Pharmaceutical Products for the
amount dispensed (days' supply or quantity limit) which exceeds the supply limit.
Experimental, Investigational or Unproven Services
Experimental or Investigational and Unproven Services and all services related to Experimental or Investigational and
Unproven Services are excluded. The fact that an Experimental or Investigational or Unproven Service, treatment,
device or pharmacological regimen is the only available treatment for a particular condition will not result in Benefits if
the procedure is considered to be Experimental or Investigational or Unproven in the treatment of that particular
condition. This exclusion does not apply to Covered Health Services provided during a clinical trial for which Benefits
are provided as described under Clinical Trials in Section 1 of the COC.
Foot Care
Routine foot care. Examples include the cutting or removal of corns and calluses. This exclusion does not apply to
preventive foot care for Covered Persons with diabetes for which Benefits are provided as described under Diabetes
Services in Section 1 of the COC. Nail trimming, cutting, or debriding. Hygienic and preventive maintenance foot care.
Examples include: cleaning and soaking the feet; applying skin creams in order to maintain skin tone. This exclusion
does not apply to preventive foot care for Covered Persons who are at risk of neurological or vascular disease arising
from diseases such as diabetes. Treatment of flat feet or subluxation of the foot. Shoes; shoe orthotics, except foot
orthotic appliances, impression casting for orthotic appliances, padding and strapping and fabrication for members with
diabetes; shoe inserts and arch supports.
Medical Supplies
Prescribed or non-prescribed medical supplies and disposable supplies. Examples include: compression stockings, ace
bandages, gauze and dressings, urinary catheters. This exclusion does not apply to:
Disposable supplies necessary for the effective use of Durable Medical Equipment for which Benefits are
provided as described under Durable Medical Equipment in Section 1 of the COC.
Diabetic supplies for which Benefits are provided as described under Diabetes Services in Section 1 of the COC.
Ostomy supplies for which Benefits are provided as described under Ostomy Supplies in Section 1 of the COC.
Tubing and masks, except when used with Durable Medical Equipment as described under Durable Medical Equipment
in Section 1 of the COC.
Page 17 of 22

Mental Health
Services performed in connection with conditions not classified in the current edition of the Diagnostic and Statistical
Manual of the American Psychiatric Association. This exclusion does not apply to Mental Health Services for the
treatment of a Severe Mental Illness for which Benefits are provided as described under Mental Health Services in
Section 1 of the COC. Mental Health Services as treatments for R & T code conditions as listed within the current
edition of the Diagnostic and Statistical Manual of the American Psychiatric Association. Mental Health Services as
treatment for a primary diagnosis of insomnia and other sleep-wake disorders, feeding disorders, binge eating disorders,
sexual dysfunction, communication disorders, motor disorders, neurological disorders and other disorders with a known
physical basis. Treatments for the primary diagnoses of learning disabilities, conduct and impulse control disorders,
personality disorders and paraphilic disorder. This exclusion does not apply to intermittent explosive disorder or
trichotillomania. Educational services that are focused on primarily building skills and capabilities in communication,
social interaction and learning. Tuition for or services that are school-based for children and adolescents under the
Individuals with Disabilities Education Act. Motor disorders and primary communication disorders as defined in the
current edition of the Diagnostic and Statistical Manual of the American Psychiatric Association. Intellectual disabilities
as a primary diagnosis defined in the current edition of the Diagnostic and Statistical Manual of the American
Psychiatric Association. Autism spectrum disorder as a primary diagnosis defined in the current edition of the
Diagnostic and Statistical Manual of the American Psychiatric Association. Benefits for autism spectrum disorder as a
primary diagnosis are described under Neurobiological Disorders - Autism Spectrum Disorder Services in Section 1 of
the COC. Mental Health Services as a treatment for other conditions that may be a focus of clinical attention as listed in
the current edition of the Diagnostic and Statistical Manual of the American Psychiatric Association. All unspecified
disorders in the current edition of the Diagnostic and Statistical Manual of the American Psychiatric Association. Health
services and supplies that do not meet the definition of a Covered Health Service see the definition in Section 9 of the
COC. Covered Health Services are those health services, including services, supplies, or Pharmaceutical Products,
which we determine to be All of the following:
Medically Necessary.
Described as a Covered Health Service in Section 1 of the COC and in the Schedule of Benefits.
Not otherwise excluded in Section 2 of the COC.
Neurobiological Disorders Autism Spectrum Disorder
Any treatments or other specialized services designed for Autism Spectrum Disorder that are not backed by evidencedbased research. Intellectual disability as the primary diagnosis defined in the current edition of the Diagnostic and
Statistical Manual of the American Psychiatric Association. Tuition for or services that are school-based for children and
adolescents under the Individuals with Disabilities Education Act. Learning, motor disorders and communication
disorders as defined in the current edition of the Diagnostic and Statistical Manual of the American Psychiatric
Association and which are not a part of Autism Spectrum Disorder. Treatments for the primary diagnoses of learning
disabilities, conduct and impulse control disorders, personality disorders and paraphilic disorder. All unspecified
disorders in the current edition of the Diagnostic and Statistical Manual of the American Psychiatric Association. Health
services and supplies that do not meet the definition of a Covered Health Service see the definition in Section 9 of the
COC. Covered Health Services are those health services, including services, supplies, or Pharmaceutical Products,
which we determine to be all of the following:
Page 18 of 22

Nutrition
Individual and group nutritional counseling. This exclusion does not apply to medical nutritional education services that
are provided by appropriately licensed or registered health care professionals when both of the following are true:
Nutritional education is required for a disease in which patient self-management is an important component of
treatment.
There exists a knowledge deficit regarding the disease which requires the intervention of a trained health
professional.
This exclusion does not apply to Benefits which are provided as described under Inborn Errors of Metabolism in
Additional Benefits Required By Montana Law in Section 1 of the COC. Enteral feedings, even if the sole source of
nutrition. This exclusion does not apply to Benefits which are provided as described under Inborn Errors of Metabolism
in Additional Benefits Required By Montana Law in Section 1 of the COC. Infant formula and donor breast milk.
Nutritional or cosmetic therapy using high dose or mega quantities of vitamins, minerals or elements and other nutritionbased therapy. Examples include supplements, electrolytes and foods of any kind (including high protein foods and low
carbohydrate foods). This exclusion does not apply to the following: Benefits which are provided as described under
Inborn Errors of Metabolism in Additional Benefits Required by Montana Law in Section 1 of the COC. Medical
nutritional supplements as determined by a Physician as part of an expectant mothers prenatal care.
Personal Care, Comfort or Convenience
Television; telephone; beauty/barber service; guest service. Supplies, equipment and similar incidental services and
supplies for personal comfort. Examples include: air conditioners, air purifiers and filters, dehumidifiers; batteries and
battery chargers; breast pumps (This exclusion does not apply to breast pumps for which Benefits are provided under the
Health Resources and Services Administration (HRSA) requirement); car seats; chairs, bath chairs, feeding chairs,
toddler chairs, chair lifts, recliners; exercise equipment; home modifications such as elevators, handrails and ramps; hot
tubs; humidifiers; Jacuzzis; mattresses; medical alert systems; motorized beds; music devices; personal computers,
pillows; power-operated vehicles; radios; saunas; stair lifts and stair glides; strollers; safety equipment; treadmills;
vehicle modifications such as van lifts; video players, whirlpools.
Physical Appearance
Cosmetic Procedures. See the definition in Section 9 of the COC. Examples include: pharmacological regimens,
nutritional procedures or treatments. Scar or tattoo removal or revision procedures (such as salabrasion, chemosurgery
and other such skin abrasion procedures). Skin abrasion procedures performed as a treatment for acne. Liposuction or
removal of fat deposits considered undesirable, including fat accumulation under the male breast and nipple. Treatment
for skin wrinkles or any treatment to improve the appearance of the skin. Treatment for spider veins. Hair removal or
replacement by any means. Replacement of an existing breast implant if the earlier breast implant was performed as a
Cosmetic Procedure. Note: Replacement of an existing breast implant is considered reconstructive if the initial breast
implant followed mastectomy. See Reconstructive Procedures in Section 1 of the COC. Treatment of benign
gynecomastia (abnormal breast enlargement in males). Physical conditioning programs such as athletic training, bodybuilding, exercise, fitness, flexibility, and diversion or general motivation. Weight loss programs whether or not they are
under medical supervision. Weight loss programs for medical reasons are also excluded. Wigs regardless of the reason
for the hair loss.
Page 19 of 22

Procedures and Treatments
Excision or elimination of hanging skin on any part of the body. Examples include plastic surgery procedures called
abdominoplasty or abdominal panniculectomy, and brachioplasty. Medical and surgical treatment of excessive sweating
(hyperhidrosis). Medical and surgical treatment for snoring, except when provided as a part of treatment for documented
obstructive sleep apnea. Rehabilitation services and Manipulative Treatment to improve general physical condition that
are provided to reduce potential risk factors, where significant therapeutic improvement is not expected, including
routine, long-term or maintenance/preventive treatment. Speech therapy except as required for treatment of a speech
impediment or speech dysfunction that results from Injury, stroke, cancer, Congenital Anomaly or Autism Spectrum
Disorder or for Benefits for speech therapy which are provided as described under Home Health Care in Section 1 of the
COC. Outpatient cognitive rehabilitation therapy except as Medically Necessary following a post-traumatic brain Injury
or cerebral vascular accident. Psychosurgery. Sex transformation operations and related services. Physiological
modalities and procedures that result in similar or redundant therapeutic effects when performed on the same body
region during the same visit or office encounter. Biofeedback. The following services for the diagnosis and treatment of
TMJ: surface electromyography; Doppler analysis; vibration analysis; computerized mandibular scan or jaw tracking;
craniosacral therapy; orthodontics; occlusal adjustment; and dental restorations. Upper and lower jawbone surgery,
orthognathic surgery, and jaw alignment. This exclusion does not apply to reconstructive jaw surgery required for
Covered Persons because of a Congenital Anomaly, acute traumatic Injury, dislocation, tumors, cancer or obstructive
sleep apnea. Surgical and non-surgical treatment of obesity. Stand-alone multi-disciplinary smoking cessation programs.
These are programs that usually include health care providers specializing in smoking cessation and may include a
psychologist, social worker or other licensed or certified professional. The programs usually include intensive
psychological support, behavior modification techniques and medications to control cravings. Breast reduction surgery
except as coverage is required by the Womens Health and Cancer Rights Act of 1998 for which Benefits are described
under Reconstructive Procedures in Section 1 of the COC. In vitro fertilization regardless of the reason for treatment.
Providers
Services performed by a provider who is a family member by birth or marriage. Examples include a spouse, brother,
sister, parent or child. This includes any service the provider may perform on himself or herself. Services performed by
a provider with your same legal residence. Services provided at a free-standing or Hospital-based diagnostic facility
without an order written by a Physician or other provider. Services which are self-directed to a free-standing or Hospitalbased diagnostic facility. Services ordered by a Physician or other provider who is an employee or representative of a
free-standing or Hospital-based diagnostic facility, when that Physician or other provider has not been actively involved
in your medical care prior to ordering the service, or is not actively involved in your medical care after the service is
received. This exclusion does not apply to mammography.
Reproduction
Health services and associated expenses for infertility treatments, including assisted reproductive technology, regardless
of the reason for the treatment. This exclusion does not apply to services required to treat or correct underlying causes of
infertility. Surrogate parenting, donor eggs, donor sperm and host uterus. Storage and retrieval of all reproductive
materials. Examples include eggs, sperm, testicular tissue and ovarian tissue. The reversal of voluntary sterilization.
Services Provided under Another Plan
Health services for which other coverage is required by federal, state or local law to be purchased or provided through
other arrangements. Examples include coverage required by workers' compensation, no-fault auto insurance, or similar
legislation. If coverage under workers' compensation or similar legislation is optional for you because you could elect it,
or could have it elected for you, Benefits will not be paid for any Injury, Sickness, or Mental Illness or Severe Mental
Illness that would have been covered under workers' compensation or similar legislation had that coverage been elected.
Health services for treatment of military service-related disabilities, when you are legally entitled to other coverage and
facilities are reasonably available to you. Health services while on active military duty.
Page 20 of 22

Substance Use Disorders
Services performed in connection with conditions not classified in the current edition of the Diagnostic and Statistical
Manual of the American Psychiatric Association. Methadone treatment as maintenance, L.A.A.M. (1-Alpha-AcetylMethadol), Cyclazocine, or their equivalents. Educational services that are focused on primarily building skills and
capabilities in communication, social interaction and learning. Substance-induced sexual dysfunction disorders and
substance-induced sleep disorders. Gambling disorders. All unspecified disorders in the current edition of the Diagnostic
and Statistical Manual of the American Psychiatric Association. Health services and supplies that do not meet the
definition of a Covered Health Service see the definition in Section 9 of the COC. Covered Health Services are those
health services, including services, supplies, or Pharmaceutical Products, which we determine to be all of the following:
Transplants
Health services for organ and tissue transplants, except those described under Transplantation Services in Section 1 of
the COC. Health services connected with the removal of an organ or tissue from you for purposes of a transplant to
another person. (Donor costs that are directly related to organ removal are payable for a transplant through the organ
recipient's Benefits under the Policy.) Health services for transplants involving permanent mechanical or animal organs.
Travel
Health services provided in a foreign country, unless required as Emergency Health Services. Travel or transportation
expenses, even though prescribed by a Physician. Some travel expenses related to Covered Health Services received
from a Designated Facility or Designated Physician may be reimbursed at our discretion. This exclusion does not apply
to ambulance transportation for which Benefits are provided as described under Ambulance Services in Section 1 of the
COC.
Types of Care
Multi-disciplinary pain management programs provided on an inpatient basis for acute pain or for exacerbation of
chronic pain. Custodial care or maintenance care; domiciliary care. Private Duty Nursing. Respite care. This exclusion
does not apply to respite care that is part of an integrated hospice care program of services provided to a terminally ill
person by a licensed hospice care agency for which Benefits are provided as described under Hospice Care in Section 1
of the COC. Rest cures; services of personal care attendants. Work hardening (individualized treatment programs
designed to return a person to work or to prepare a person for specific work).
Vision and Hearing
Purchase cost and fitting charge for eye glasses and contact lenses. This exclusion does not apply to corrective lenses for
conditions related to the inborn errors of metabolism for which Benefits are provided as described under Inborn Errors
of Metabolism in Additional Benefits Required By Montana Law in Section 1 of the COC. Implantable lenses used only
to correct a refractive error (such as Intacs corneal implants). Eye exercise or vision therapy. Surgery that is intended to
Allow you to see better without glasses or other vision correction. Examples include radial keratotomy, laser, and other
refractive eye surgery. Bone anchored hearing aids except when either of the following applies: For Covered Persons
with craniofacial anomalies whose abnormal or absent ear canals preclude the use of a wearable hearing aid. For
Covered Persons with hearing loss of sufficient severity that it would not be adequately remedied by a wearable hearing
aid. More than one bone anchored hearing aid per Covered Person who meets the above coverage criteria during the
entire period of time the Covered Person is enrolled under the Policy. Repairs and/or replacement for a bone anchored
hearing aid for Covered Persons who meet the above coverage criteria, other than for malfunctions.
Page 21 of 22

Vision - Pediatric Services
Benefits are not provided under Pediatric Vision Services for the following: Medical or surgical treatment for eye
disease which requires the services of a Physician and for which Benefits are available as stated in the COC. Nonprescription items (e.g. Plano lenses). Replacement or repair of lenses and/or frames that have been lost or broken.
Optional Lens Extras not listed in Vision Care Services. Missed appointment charges. Applicable sales tax charged on
Vision Care Services.
All Other Exclusions
Health services and supplies that do not meet the definition of a Covered Health Service - see the definition in Section 9
of the COC. Covered Health Services are those health services, including services, supplies, or Pharmaceutical Products,
which we determine to be all of the following: Medically Necessary; described as a Covered Health Service in Section 1
of the COC and Schedule of Benefits; and not otherwise excluded in Section 2 of the COC. Physical, psychiatric or
psychological exams, testing, vaccinations, immunizations or treatments that are otherwise covered under the Policy
when: required solely for purposes of school, sports or camp, travel, career or employment, insurance, marriage or
adoption; related to judicial or administrative proceedings or orders; conducted for purposes of medical research (This
exclusion does not apply to Covered Health Services provided during a clinical trial for which Benefits are provided as
described under Clinical Trials in Section 1 of the COC); required to obtain or maintain a license of any type. Health
services received as a result of war or any act of war, whether declared or undeclared or caused during service in the
armed forces of any country. This exclusion does not apply to Covered Persons who are civilians injured or otherwise
affected by war, any act of war, or terrorism in non-war zones. This exclusion does not apply to Benefits which are
provided as described in Section 4 of the COC. Health services received after the date your coverage under the Policy
ends. This applies to all health services, even if the health service is required to treat a medical condition that arose
before the date your coverage under the Policy ended. Health services for which you have no legal responsibility to pay,
or for which a charge would not ordinarily be made in the absence of coverage under the Policy. In the event an Out-ofNetwork provider waives co-payments, co-insurance and/or any deductible for a particular health service, no Benefits
are provided for the health service for which the co-payments, co-insurance and/or deductible are waived. Charges in
excess of Eligible Expenses or in excess of any specified limitation. Long term (more than 30 days) storage. Examples
include cryopreservation of tissue, blood and blood products. Autopsy. Foreign language and sign language services.
Health services related to a non-Covered Health Service: When a service is not a Covered Health Service, all services
related to that non-Covered Health Service are also excluded. This exclusion does not apply to services we would
otherwise determine to be Covered Health Services if they are to treat complications that arise from the non-Covered
Health Service. For the purpose of this exclusion, a "complication" is an unexpected or unanticipated condition that is
superimposed on an existing disease and that affects or modifies the prognosis of the original disease or condition.
Examples of a "complication" are bleeding or infections, following a Cosmetic Procedure, that require hospitalization.
For Internal Use only:

MTWG07ACFM16
Item#
Rev. Date
375-2144
1015
BH14-008/Comb/NonEmb/21942/2011
UnitedHealthcare Insurance Company
Page 22 of 22

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Benefit Summary

Silver Choice Plus HSA 2000

Are you a member?

Your cost if you use

Deductible - Combined Medical and Pharmacy

Medical Deductible - Single Coverage

$2,000 per year

$4,500 per year

Medical Deductible - Family Coverage

$4,000 per year

$9,000 per year

Dental - Pediatric Services Deductible Single Coverage

Included in your medical deductible.

Included in your medical

Dental - Pediatric Services Deductible Family Coverage

Included in your medical deductible.

Included in your medical

Out-of-Pocket Limit - Combined Medical and Pharmacy

$5,300 per year

$9,000 per year

Out-of-Pocket Limit - Family

$6,850 per year

$18,000 per year

Your cost if you use

Your cost if you use

50% co-insurance, after the medical

Autism Spectrum Disorder Treatment

Benefits for outpatient prescription

Benefits for outpatient prescription

Prior Authorization is required.

Congenital Heart Disease (CHD) Surgeries

50% co-insurance, after the medical

Your cost if you use

Your cost if you use

Dental - Pediatric Services (Benefits covered up to age 19)

You pay nothing. A deductible does

You pay nothing. A deductible does

You pay nothing. A deductible does

Sealants (Protective Coating)

You pay nothing. A deductible does

You pay nothing. A deductible does

You pay nothing. A deductible does

You pay nothing. A deductible does

Dental - Pediatric Diagnostic Services

You pay nothing. A deductible does

You pay nothing. A deductible does

You pay nothing. A deductible does

Your cost if you use

Dental - Pediatric Basic Dental Services

Your cost if you use

General Services (Including

40% co-insurance, after the medical

40% co-insurance, after the medical

Oral Surgery (Including Surgical

40% co-insurance, after the medical

40% co-insurance, after the medical

40% co-insurance, after the medical

40% co-insurance, after the medical

Restorations (Amalgam or Anterior