What is a HDHP plan? A plan with a higher deductible than a traditional insurance plan. A high deductible plan can be combined with a health savings account (HSA), for you to pay for certain medical expenses with money you set aside in your tax-free HSA
HDHP vs PPO plans
Choice Plus 2/Core 1
(previously; Access 2/Select 1)
25%
Coinsurance
$1,000 / $2,000
Individual/ Family Deductible
$4,000 / $8,000
Individual/Family Max Out-of-Pocket
$450
Emergency Room Visit
Prescriptions
$10 Generic Drugs $40 Preferred Brand $75 Non-Preferred Brand $150* Mail Order 90 day supply Specialty Drugs
*Specialty prescriptions are 25% coinsurance up to a $150 maximum
General Information
United Health Care Network: Choice Plus Phone: 123-456-7890
What is a PPO plan? A preferred provider organization plan has a higher monthly cost, but the lowest deductible and coinsurance meaning the plan will cover the most and sooner than other plans.
HDHP vs PPO plans
Help for you and your household members
The Employee Assistance Program (EAP) provided by ComPsych offers confidential assistance with a wide range of personal issues.
Best of all, contacting the EAP is completely confidential, free and available to any member of your immediate household.
The EAP is available 24/7 to ensure you get access to the resources you need with in-person & video counseling for short-term issues, web resources, articles, and self assessment tools.
To enroll online, sign in with your username as your full Social Security Number (SSN) without dashes. Your default password is the last 4 digits of your SSN and the last 2 digits of your year of birth.
HSA Choice Plus/Choice Plus 1
(previously; HSA/Access 1)
20%
Coinsurance
$2,000 / $4,000
Individual/ Family Deductible
$3,325 / $6,650
Individual/Family Max Out-of-Pocket
20%
Emergency Room Visit
Prescriptions
20% Generic Drugs 20% Preferred Brand 20% Non-Preferred Brand 10% Mail Order 90 day supply Specialty Drugs
Choice Plus 2/Core 1
(previously; Access 2/Select 1)
25%
Coinsurance
$1,000 / $2,000
Individual/ Family Deductible
$4,000 / $8,000
Individual/Family Max Out-of-Pocket
$450
Emergency Room Visit
Prescriptions
$10 Generic Drugs $40 Preferred Brand $75 Non-Preferred Brand $150* Mail Order 90 day supply Specialty Drugs
Choice Plus 3/Core 2
(previously; Access 3/Select 2)
15%
Coinsurance
$550 / $1,100
Individual/ Family Deductible
$2,100 / $4,200
Individual/Family Max Out-of-Pocket
$450
Emergency Room Visit
Prescriptions
$10 Generic Drugs $40 Preferred Brand $75 Non-Preferred Brand $150* Mail Order 90 day supply Specialty Drugs
You always pay the deductible and copayment ($). The coinsurance (%) shows what you pay after the deductible. The County offers medical coverage through UHC and pharmacy coverage through Express Scripts
The ER isn’t your only option
Your primary care doctor is usually the best place to start when you need care, but you have other options for non-emergency care — even in the middle of the night. To get started: Sign in at myuhc.com/virtualvisits Call the number on your health plan ID card Download the UnitedHealthcare app
Health Savings Accounts (HSA) & Flex Spending Accounts (FSA)
Make your health dollars go further by setting aside money pre-tax with an HSA or FSA. This money can be used for qualified medical, dental, or vision expenses for you and your family.
Employee Assistance Program (EAP)
Personal issues and stressors are a major human health & wellbeing concern. No matter how big or small, the more these stressors linger, the more detrimental their impact becomes on a person and their family.
Schedule a time for the St. Louis County Retiree team to call and walk through your Medicare Benefits.
