Page 9 - ABM 2021 Benefit Guide RDU
P. 9
MEDICAL BENEFITS UnitedHealthcare (UHC) Plans
ABM provides a range of plans and premiums With these plans, you have the lexibility, at the time of
to ensure you can make choices that balance service, to seek care from an in-network or out-of-network
cost against other factors that are important provider. If you enroll in one of the UHC plans, you will pay
a copayment, coinsurance, and/or deductible for covered
to you. Your review should include the in-network services. You can choose any doctor (including
plan provisions (e.g., deductible, copays, specialists), pharmacy, or hospital in UHC’s national
coinsurance, hospital beneits, prescription drug network; you do not need referrals and you do not need to
choose a Primary Care Physician (PCP) (some services,
beneits) and the amount you must pay each however, will be subject to pre-authorization).
month. Selecting a plan with a higher deductible
means that your monthly contributions may be If you choose to receive care outside of UHC’s network,
the treatment will be subject to the deductible and
less, but you may have to pay more when you coinsurance, and in some cases a copayment, before the
receive care. Unless you experience a QLE, plan starts paying beneits. You may be required to submit
the plan you choose now will remain in efect claim paperwork when you receive out-of-network care.
Keep in mind there is no coverage for out-of-network mail
through December 31, 2021. order pharmacy services—ensure you always use an in-
network pharmacy.
ABM 9
ABM provides a range of plans and premiums With these plans, you have the lexibility, at the time of
to ensure you can make choices that balance service, to seek care from an in-network or out-of-network
cost against other factors that are important provider. If you enroll in one of the UHC plans, you will pay
a copayment, coinsurance, and/or deductible for covered
to you. Your review should include the in-network services. You can choose any doctor (including
plan provisions (e.g., deductible, copays, specialists), pharmacy, or hospital in UHC’s national
coinsurance, hospital beneits, prescription drug network; you do not need referrals and you do not need to
choose a Primary Care Physician (PCP) (some services,
beneits) and the amount you must pay each however, will be subject to pre-authorization).
month. Selecting a plan with a higher deductible
means that your monthly contributions may be If you choose to receive care outside of UHC’s network,
the treatment will be subject to the deductible and
less, but you may have to pay more when you coinsurance, and in some cases a copayment, before the
receive care. Unless you experience a QLE, plan starts paying beneits. You may be required to submit
the plan you choose now will remain in efect claim paperwork when you receive out-of-network care.
Keep in mind there is no coverage for out-of-network mail
through December 31, 2021. order pharmacy services—ensure you always use an in-
network pharmacy.
ABM 9
