Page 4 - MGM 2020 Benefits
P. 4
Important Terms Medical and Prescription
X Deductible—the amount of Drug Coverage
money you are responsible
for paying upfront before
your plans shares your costs Medical Coverage
This year your medical coverage will continue to be offered through
X Copayment—a fixed amount
for certain services you pay UnitedHealthcare. You will continue to be offered the three plan
in some of our plans options—Gold, Silver and Bronze. The Gold and Silver plans are PPO
plans that include copays for certain services. The Bronze plan is a High
X Coinsurance—the Deductible Health Plan (HDHP). This plan does not include any copays
percentage you and the
plan pay; in our plans, you for services, but does allow you to make a contribution to a Health
pay a smaller percentage Savings Account (HSA). For more information on this plan, please see
and the plan pays a larger the next page.
percentage
X Out-of-pocket limit—the Prescription Drug Coverage
limit on your expenses; once This year your prescription drug coverage will continue to be offered
you reach this limit, the plan through CVS Caremark. The CVS network is a very extensive network.
covers all eligible expenses You will be able to visit CVS, Walgreen’s and many other pharmacies.
for the remainder of the
plan year Consult with your physician regarding any questions you may have about
the prescription drug beneit offered.
Find A Provider
X Go to umr.com and select Find an In-Network Provider
“Find a provider” When you choose to visit in-network providers you’ll receive the deepest
X Type “UnitedHealthcare level of discount on your services. You’ll also have the most cost
Choice Plus” into the search protection from your plan. This is because our in-network providers
box have agreed to charge negotiated rates. To ind an in-network medical
provider near you, visit www.umr.com and search for providers in the
X For medical providers,
choose “Search for a UnitedHealthcare Choice Plus network. To ind an in-network pharmacy,
medical provider;” for visit www.caremark.com. If you decide to go to an out-of-network
behavioral health providers provider, there are beneits available. However, you will pay more out of
select “view directory for your pocket.
behavioral health providers”
4 2019 Benefits Guide
X Deductible—the amount of Drug Coverage
money you are responsible
for paying upfront before
your plans shares your costs Medical Coverage
This year your medical coverage will continue to be offered through
X Copayment—a fixed amount
for certain services you pay UnitedHealthcare. You will continue to be offered the three plan
in some of our plans options—Gold, Silver and Bronze. The Gold and Silver plans are PPO
plans that include copays for certain services. The Bronze plan is a High
X Coinsurance—the Deductible Health Plan (HDHP). This plan does not include any copays
percentage you and the
plan pay; in our plans, you for services, but does allow you to make a contribution to a Health
pay a smaller percentage Savings Account (HSA). For more information on this plan, please see
and the plan pays a larger the next page.
percentage
X Out-of-pocket limit—the Prescription Drug Coverage
limit on your expenses; once This year your prescription drug coverage will continue to be offered
you reach this limit, the plan through CVS Caremark. The CVS network is a very extensive network.
covers all eligible expenses You will be able to visit CVS, Walgreen’s and many other pharmacies.
for the remainder of the
plan year Consult with your physician regarding any questions you may have about
the prescription drug beneit offered.
Find A Provider
X Go to umr.com and select Find an In-Network Provider
“Find a provider” When you choose to visit in-network providers you’ll receive the deepest
X Type “UnitedHealthcare level of discount on your services. You’ll also have the most cost
Choice Plus” into the search protection from your plan. This is because our in-network providers
box have agreed to charge negotiated rates. To ind an in-network medical
provider near you, visit www.umr.com and search for providers in the
X For medical providers,
choose “Search for a UnitedHealthcare Choice Plus network. To ind an in-network pharmacy,
medical provider;” for visit www.caremark.com. If you decide to go to an out-of-network
behavioral health providers provider, there are beneits available. However, you will pay more out of
select “view directory for your pocket.
behavioral health providers”
4 2019 Benefits Guide
