Get to know your benefits. - PowerPoint Presentation

1. Get to knowyour benefits.

2. Choice PlusChoice Plus HSAProprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.12Your plan choices

3. Benefits at a Glance3Benefits At-A-GlanceChoice Plus Traditional Plan Choice Plus HSA PlanDeductible$300/$600$1,500/$3,000Co-Insurance10%10%Out-of-Pocket Limit$3,000/$6,000$6,500/$13,000Types of CoveragePCP/Specialist Visit$20/$35 Co-Payment10% After DeductiblePreventive Care100% Covered100% CoveredOutpatient Surgery10% After Deductible10% After DeductibleIn-Patient Hospital Stay10% After Deductible10% After DeductibleLab, X-Ray and Diagnostics10% After Deductible10% After DeductibleCT, PET, MRI 10% After Deductible10% After DeductibleEmergency Room$200 Co-Payment10% After DeductibleUrgent Care$30 Co-Payment10% After DeductibleVirtual Visit$20 Co-Payment10% After Deductible

4. Preventive CarePreventive care services covered without cost-share.All members:Preventive care visits for adultsWell-women visitsWell-child visitsAll routine immunizationsAppropriate age/gender screenings:Cervical cancer screening for womenMammograms (film and digital, includes 3D)Osteoporosis screeningProstate cancer for menCholesterol and lipid disorders screeningDiabetes screening4

5. Virtual Visits524/7 access every day of the year for many common conditions. Visits that are typically under 20 minutes.Physicians who can diagnose and prescribe.About $50 or less per visit.All from the convenience of your mobile device or computer. How it works.Download the App or visit the webpage for Teladoc, Dr. on Demand, or AmWell.Register using your Health Plan ID card.Add your method of payment (debit or credit card). Automatically apply costs to your deductibles, copays or coinsurance

6. Check. Choose. GoKnow your care options before you go.Before you wait for hours in the ER and end up with a sizable bill, there might be options that save you money. Many doctors offer same-day appointments, but if that's not possible, you may be able to receive fast, professional care for much less at an urgent care center, convenience care clinic or an online doctor visit. With our new tool, we will quickly help you find the right option that fits your specific need.6

7. Terms to KnowClaimThe amount your provider billed the plan for services received.CoinsuranceYour share of the cost of your care. It’s usually a percent of the allowedamount (for example, 20%).Copay A fixed amount you pay for a covered service. Usually, you pay it when you get the service. How much you pay depends on the type of service. Deductible The amount you pay in a plan or calendar year before your health plan begins to pay. Out‑of‑Pocket MaximumThe maximum amount you may have to pay for medical and pharmacy care in a plan or calendar year. Once you reach this limit, your plan will pay the full amount of any covered service. 7

8. MemberTools & Resources8

9. myuhc.com9Get startedFind a network doctor.View and pay claims.Check account balances.Find and estimate costs.Find nearby network care options.See claims details and progress toward your deductible.View and share your health plan ID card.Video chat with a doctor.Activate your myuhc.com® account and use it to:Download the UnitedHealthcare® app to:To set up your account:Go to myuhc.com > Register now.Follow the instructions (have your ID card handy).

10. Myuhc.com: Claims ManagerManaging your claims. More ways to stay on top of your claims and expenses.Payment ResourcesMy Claim Payments: You can review a history of payments you’ve made to your health care providers on the InstaMed site, sort by payment date and family member and also export the data to be viewable in Microsoft Excel.Payment Accounts: Here you can view and edit the payment methods you’ve securely saved on the InstaMed site to use when making payments.Account BalancesThe Account Balances page shows current values and visuals of your progress toward meeting deductible and out-of-pocket maximums. And if you have a health care financial account, the balances are also shown here.10

11. Myuhc.com: Find and price quality care11Easy for you to make the most of your health care dollars.1. Click on “Cost Estimates”122. Click on the type of estimate you would like to price33. Select the Provider or Facility4. You will get integrated, personalized cost estimates. Estimate includes clinical content.4

12. NEW!! The app is designed to help employees understand and use their health plan.Its simplified, secure experience constantly evolves to help members:12UnitedHealthcare appAccess personalized information.Make more informed decisions.Become more engaged in their choices.

13. Rally Health and Wellness13Rally supports and motivates you to meet your health targets and maximize your well-being. The wellness incentive program is found within the Rally consumer experience and includes strategies to drive engagement:Personalized Missions.Rally Coins.Step-by-step support.Results tracking.Available through www.myuhc.com or Rally App

14. InvitationRegistrationSuccess KitGroup classesCoaching4365Pounds lostToolsReal Appeal12Real Appeal: Motivates you to lose weight, prevent disease and change behavior with a program that’s as engaging as it is effective.14

15. Plan SelectionClinical SupportEmotionalHealthComplexCare SupportWellnessPharmacyProviderSearchBenefitsand ClaimsFinancialNeed support or help?Simply reach out. We’re on it.Managing your health plan benefits and your health isn’t always easy. That’s why we have a team of people dedicated to helping you.You may want to know:Is this treatment covered?How much will I have to pay for a test my doctor wants me to get?What does this charge mean on my bill? And why is it this amount?Can you help explain my benefits and what I need to do?Advocate4Me15

16. 16Health Savings Accountwith Optum Bank

17. Qualified Health PlanA qualified health plan is one that satisfies certain requirements with respect to minimum deductibles and maximum out-of-pocket expenses. Employees who enroll one or more dependents will be considered family and are subject to family deductibles and family out-of pocket-maximums.You are responsible for paying your covered medical expenses up to the deductible(s) stated in your health plan.All expenses, both medical and pharmacy apply to the plan deductible and out-of-pocket maximum. Provides comprehensive coverage for medical and pharmacy benefits (it is not a limited benefit plan.)Operates with a large network of doctors (the same as the Traditional Plan.) Can be coupled with a Health Savings Account.17

18. Health Savings Account (HSA)18A Health Savings Account (HSA) is a bank account that lets you put money aside, tax-free, to save and pay for qualified health care expenses. This money can be deducted from your paycheck, pre-tax.When you deposit money into an HSA, you won’t haveto pay federal income tax on:Deposits you into your HSA via payroll deductions.Money you spend from your HSA on qualified expenses.Interest earned from the HSA.Additional Benefits of HSAs:There is no “use it or lose it” rule.Unspent balances remain there until spent. Your account is portable. Even if you change jobs!You decide how much you will contribute to your account, up to the IRS limit (minus your Employer’s contribution, if they make one)You decide when you want to use your savings to pay for, or be reimbursed for, qualified medical expenses.

19. Qualified Medical Expenses19Expenses that qualify for payment or reimbursement from your HSA tax-free are defined by the IRS. *Dental and Vision will not count towards your medical deductible. For more information about qualified medical expenses, visit the IRS website at www.IRS.gov.Doctor’s office visits, hospital services, urgent care, virtual visits. The following is a short list of some products and services in this category:Prescription medicationsDiabetic supplies including insulin, meters and test strips. Dental exams, orthodontic services, vision exams, vision materials. *Hearing aids and batteriesAcupuncture, chiropractor, physical therapy

20. HSA EligibilityIf you have a qualifying health plan on the first day of any month, you may be eligible to contribute to an HSA if:You are not covered by any other non-HDHP health plan, such as a spouse’s plan, that provides any benefits covered by your qualified plan. You are not enrolled in Medicare.You do not receive health benefits under TRICARE.You have not received Veterans Administration (VA) benefits within the past three months, except for preventive care. (If you are a veteran with a disability rating from the VA, this exclusion does not apply.)You cannot be claimed as a dependent on another person’s tax return.You are not covered by a general purpose health care flexible spending arrangement (FSA) or health reimbursement arrangement (HRA). Alternative plan designs, such as a limited-purpose FSA or HRA, might be permitted.If your circumstances change and you are no longer eligible to contribute to an HSA, you can keep the account as long as you like and use it to pay for qualified medical expenses income-tax-free.20

21. Contributions Limits21Annual contribution limits are set by the IRS.Individual Limit - $3,550Family Limit - $7,100Note: the tax-free contribution limits include any employer contributions to your HSA.2020 Annual IRS Contribution Limits:Additional Funding:If you are 55 or older, you can make “catch-up” contributions, meaning you can deposit an additional $1,000. If your spouse is also 55 or older, he or she may establish a separate HSA and make a “catch-up” contribution to that account.Excess Contribution Rule:Your excess contributions are subject to standard income tax rates plus a 6% penalty.

22. How paying for network care works with an HSA.22123Preventive care is covered 100% when you use a network doctor.Your deductibleYour coinsuranceYour out-of-pocket limitYou pay for all services, including prescriptions, until you meet your deductible. You can use an HSA to help pay it.After you reach the deductible, you share the costs with the plan. You can use an HSA to help pay your share.When you reach the limit, you are done paying. The plan pays 100% of covered services for the rest of the coverage year.+Employee - $1,500Family - $3,000Employee - $6,500Family - $13,000Pay with your HSA or pay another wayYour plan pays 90%You pay10%You are done paying

23. Claim and billing process23Paying for your doctor visit with a health savings account (HSA).Doctor visit.Some network doctors can instantly submit your claim online. The doctor’s office may ask you to pay some or all of the bill before you leave. Most of the time, claims will be submitted to UnitedHealthcare before the doctor will bill you.Claim submission.UnitedHealthcare reviews the claim to see if the service is covered by your plan and if your care was from a network doctor or facility. If the service is covered, and you used a network doctor or facility, UnitedHealthcare applies the network discount.Preventive Care - The claim will be paid 100 percent. You will not have out-of-pocket costs.Non-preventive Care -Your doctor will bill you directly for payment.Payment.You can choose to pay the bill using the funds in your HSA or pay another way (cash, credit card, check). Your claim detail will appear on myuhc.com under Claims & Accounts. You’ll receive a health statement by mail or email.

24. Investing with your HSA24Once your HSA reaches the investment threshold (typically $2,000), you may choose to invest a portion of your HSA dollars in mutual funds — just like you would with a 401(k). You can choose from a wide variety of mutual funds at optumbank.com. Any investment earnings such as interest or dividends are income tax-free.Have an unexpected medical expense?No problem. Whenever you need additional money to pay for qualified medical expenses, you can easily transfer your investment funds back into your HSA.

25. Don’t forget:25Keep all medical receipts. You can save paper copies or store them online. The convenient online receipt vault allows you to upload images of receipts for qualified medical expenses and then store them within your HSA.Track your health care expenses with the expense tracker worksheet on optumbank.comRetain all tax documents you receive from Optum Bank for filing your tax returns and maintaining your records.When you set up an HSA, it is important that you also select a beneficiary.This will ensure that your HSA money is immediately available to yourbeneficiary upon your death.

26. Thank You.www.myuhc.com or download the UnitedHealthcare App.Toll-Free on the back of your Medical ID card. With UnitedHealthcare App, an Advocate will call you.Chat/Email with an Advocate via myuhc.com.26