Important Questions Answers Why This Matters
Important Questions Answers Why This Matters
Important Questions Answers Why This Matters
The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan
would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be
provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, visit
www.welcometouhc.com or by calling 1-800-782-3740. For general definitions of common terms, such as allowed amount, balance billing, coinsurance,
copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at www.cciio.cms.gov or
www.dol.gov/ebsa/healthreform or call 1-866-487-2365 to request a copy.
Important Answers Why this Matters:
Questions
What is the overall Network: $1,500 Individual / $4,500 Family Generally, you must pay all of the costs from providers up to the deductible
deductible? Non-Network: $3,000 Individual / $9,000 Family amount before this plan begins to pay. If you have other family members on the
Per calendar year. plan, each family member must meet their own individual deductible until the total
amount of deductible expenses paid by all family members meets the overall family
deductible.
Are there services Yes. Preventive care and categories with a copay This plan covers some items and services even if you havent yet met the deductible
covered before you are covered before you meet your deductible. amount. But a copayment or coinsurance may apply. For example, this plan covers
meet your certain preventive services without cost-sharing and before you meet your
deductible? deductible. See a list of covered preventive services at
www.healthcare.gov/coverage/preventive-care-benefits/.
Are there other No. You dont have to meet deductibles for specific services.
deductibles for
specific services?
What is the Network: $4,500 Individual / $9,000 Family The out-of-pocket limit is the most you could pay in a year for covered services. If
out-of-pocket limit Non-Network: $6,250 Individual / $12,500 you have other family members in this plan, they have to meet their own
for this plan? Family out-of-pocket limits until the overall family out-of-pocket limit has been met.
What is not included Premiums, balance-billing charges, health care Even though you pay these expenses, they dont count toward the out-of-pocket
in the out-of-pocket this plan doesnt cover and penalties for failure to limit.
limit? obtain preauthorization for services.
Will you pay less if Yes. See www.welcometouhc.com or call This plan uses a provider network. You will pay less if you use a provider in the
you use a network 1-800-782-3740 for a list of network providers. plans network. You will pay the most if you use an out-of-network provider, and
provider? you might receive a bill from a provider for the difference between the providers
charge and what your plan pays (balance billing). Be aware, your network provider
might use an out-of-network provider for some services (such as lab work). Check
with your provider before you get services.
Do you need a No. You can see the specialist you choose without a referral.
referral to see a
specialist?
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All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.
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Common What You Will Pay
Medical Event Services You May Need
Network Non-Network Limitations, Exceptions, & Other Important
Provider (You Provider (You Information
will pay the will pay the
least) most)
If you need drugs Tier 1 - Generic drugs - Deductible does Deductible does Provider means pharmacy for purposes of this section.
to treat your Your Lowest-Cost Option not apply. Retail: not apply. Retail: Retail: Up to a 31 day supply.
illness or $15 copay $15 copay Mail-Order: Up to a 90 day supply.
condition Mail-Order: If you use a non-Network pharmacy (including a mail order
$37.50 copay pharmacy), you may be responsible for any amount over the
More information Specialty Drugs: allowed amount.
about prescription $15 copay Copay is per prescription order up to the day supply limit listed
drug coverage is above.
available at www. Tier 2 - Preferred brand Deductible does Deductible does
drugs - Your Midrange-Cost not apply. Retail: not apply. Retail: You may need to obtain certain drugs, including certain specialty
welcometouhc.com. drugs, from a pharmacy designated by us.
Option $45 copay $45 copay
Mail-Order: Certain drugs may have a preauthorization requirement or may
$112.50 copay result in a higher cost.
Specialty Drugs: You may be required to use a lower-cost drug(s) prior to
$125 copay benefits under your policy being available for certain prescribed
drugs.
Tier 3 - Non-preferred brand Deductible does Deductible does See the website listed for information on drugs covered by your
drugs - Your Midrange-Cost not apply. Retail: not apply. Retail: plan. Not all drugs are covered.
Option $65 copay $65 copay
Certain preventive medications and Tier 1 contraceptives are
Mail-Order: covered at No Charge.
$162.50 copay
Specialty Drugs:
$250 copay
Tier 4 Specialty Drugs - Not Applicable Not Applicable
Additional High-Cost
Options
If you have Facility fee (e.g., ambulatory 20% coinsurance 40% coinsurance Preauthorization required for certain services for non-network
outpatient surgery surgery center) or benefit reduces to 50% of allowed.
Physician/surgeon fees 20% coinsurance 40% coinsurance None
If you need Emergency room care $200 copay per $200 copay per None
immediate visit, deductible visit, deductible
medical attention does not apply does not apply
Emergency medical 20% coinsurance 20% coinsurance Network deductible applies.
transportation
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Common What You Will Pay
Medical Event Services You May Need
Network Non-Network Limitations, Exceptions, & Other Important
Provider (You Provider (You Information
will pay the will pay the
least) most)
Urgent care $75 copay per 40% coinsurance If you receive services in addition to urgent care visit, additional
visit, deductible copays, deductibles, or coinsurance may apply e.g. surgery.
does not apply
If you have a Facility fee (e.g., hospital 20% coinsurance 40% coinsurance Preauthorization required for non-network or benefit reduces to
hospital stay room) 50% of allowed.
Physician/surgeon fees 20% coinsurance 40% coinsurance None
If you need Outpatient services $50 copay per 40% coinsurance Network Partial hospitalization/intensive outpatient treatment:
mental health, visit, deductible 20% coinsurance
behavioral health, does not apply Preauthorization required for certain services for non-network
or substance or benefit reduces to 50% of allowed.
abuse services
Inpatient services 20% coinsurance 40% coinsurance Preauthorization required for non-network or benefit reduces to
50% of allowed.
If you are Office visits No Charge 40% coinsurance Cost sharing does not apply for preventive services. Depending
pregnant on the type of service a copayment, deductibles, or coinsurance
may apply.
Childbirth/delivery 20% coinsurance 40% coinsurance Maternity care may include tests and services described
professional services elsewhere in the SBC (i.e. ultrasound.)
Childbirth/delivery facility 20% coinsurance 40% coinsurance Inpatient preauthorization may apply.
services
If you need help Home health care 20% coinsurance 40% coinsurance Limited to 60 visits per calendar year.
recovering or have Preauthorization required for non-network or benefit reduces to
other special 50% of allowed.
health needs
Rehabilitation services $25 copay per 40% coinsurance Limits per calendar year: Physical Speech, Occupational,
outpatient visit, Pulmonary: 20 visits; Cardiac: 36 visits.
deductible does Preauthorization required for certain services for non-network
not apply or benefit reduces to 50% of allowed.
Habilitation services $25 copay per 40% coinsurance Services provided under and limits are combined with
outpatient visit, Rehabilitation services above.
deductible does Preauthorization required for certain services for non-network
not apply or benefit reduces to 50% of allowed.
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Common What You Will Pay
Medical Event Services You May Need
Network Non-Network Limitations, Exceptions, & Other Important
Provider (You Provider (You Information
will pay the will pay the
least) most)
Skilled nursing care 20% coinsurance 40% coinsurance Skilled Nursing is limited to 60 days per calendar year (combined
with Inpatient Rehabilitation).
Preauthorization required for non-network or benefit reduces to
50% of allowed.
Durable medical equipment 20% coinsurance 40% coinsurance Covers 1 per type of DME (including repair/replace) every 3
years.
Preauthorization required for non-network DME over $1,000 or
no coverage.
Hospice services 20% coinsurance 40% coinsurance Preauthorization required for non-network before admission for
an Inpatient Stay in a hospice facility or benefit reduces to 50%
of allowed.
If your child needs Childrens eye exam Not Covered Not Covered No coverage for Eye exam.
dental or eye care
Childrens glasses Not Covered Not Covered No coverage for Childrens glasses.
Childrens dental check-up Not Covered Not Covered No coverage for Dental check-up.
Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded
services.)
Acupuncture Bariatric Surgery Cosmetic Surgery Dental Care (Adult/Child) Glasses
Infertility Treatment Long-Term Care Non-emergency care when Private-Duty Nursing Routine Eye Care
traveling outside the U.S. (Adult/Child)
Routine Foot Care Weight Loss Programs
Other Covered Services (Limitations may apply to these services. This isnt a complete list. Please see your plan document.)
Chiropractic care Hearing Aids
Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those
agencies is: 1-866-444-3272 or www.dol.gov/ebsa for the U.S. Department of Labor, Employee Benefits Security Administration, or 1-877-267-2323 x61565
or www.cciio.cms.gov for the U.S. Department of Health and Human Services. Other coverage options may be available to you too, including buying
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individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call
1-800-318-2596.
Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is
called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan
documents also provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights,
this notice, or assistance, contact: 1-800-782-3740 ; or the Employee Benefits Security Administration at 1-866-444-EBSA (3272) or
www.dol.gov/ebsa/healthreform or the Florida Department of Financial Services at 1-877-693-5236 or www.myfloridacfo.com.
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About these Coverage Examples:
This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be
different depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing
amounts (deductibles, copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of
costs you might pay under different health plans. Please note these coverage examples are based on self-only coverage.
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We do not treat members differently because of sex, age, race, color, disability or national origin.
If you think you were treated unfairly because of your sex, age, race, color, disability or national origin, you can
send a complaint to the Civil Rights Coordinator.
Online: UHC_Civil_Rights@uhc.com
Mail: Civil Rights Coordinator. UnitedHealthcare Civil Rights Grievance. P.O. Box 30608 Salt Lake City, UTAH
84130
You must send the complaint within 60 days of when you found out about it. A decision will be sent to you within
30 days. If you disagree with the decision, you have 15 days to ask us to look at it again. If you need help with
your complaint, please call the toll-free number listed within this Summary of Benefits and Coverage (SBC), TTY
711, Monday through Friday, 8 a.m. to 8 p.m.
You can also file a complaint with the U.S. Dept. of Health and Human Services.
Online: https://ocrportal.hhs.gov/ocr/portal/lobby.jsf
Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.
Phone: Toll-free 1-800-368-1019, 800-537-7697 (TDD)
Mail: U.S. Dept. of Health and Human Services.
200 Independence Avenue, SW Room 509F, HHH
Building Washington, D.C. 20201
We provide free services to help you communicate with us. Such as, letters in other languages or large print. Or,
you can ask for an interpreter. To ask for help, please call the number contained within this Summary of Benefits
and Coverage (SBC), TTY 711, Monday through Friday, 8 a.m. to 8 p.m.