Page 4 - 2018 Harbin Benefit Guide
P. 4
Medical coverage is Medical
provided by UMR. For many of us, nothing is more important than our health and the health
of our family members. This is why Harbin Clinic offers a comprehensive
medical insurance program to our employees. We partner with UMR, a
UnitedHealthcare (UHC) company to offer this coverage. You have the
option to choose between two medical plans.
Features of the Medical Plans Include
X You do not need to select a primary care physician (PCP)
X You do not need a referral to see a specialist
X When you need medical care, you decide if you want to use an in-
network provider or an out-of-network provider
X If you use a Harbin or UHC in-network provider, you will receive
deep discounts
X You do not have to ile claim forms when you use a Harbin or UHC
in-network provider
In-Network vs. Out-of-Network
A network is a group of doctors, specialists, hospitals, labs, and
pharmacies your plan contracts with at negotiated or discounted rates.
These make up the providers in your “network.” This means you will
almost always pay less when you receive care in-network.
If you choose to see an out-of-network provider, you may be required to
submit your own claims. You may also be balanced billed, which means
you will be responsible for charges above UMR’s reimbursement amount.
Wellness Program
To be eligible for wellness premiums, you must complete the following.
X Annual labs and biometrics
X Personal health assessment
X Well visit
The wellness premium is also contingent on compliance with the nicotine
policy and completion of health management pathway requirements if
applicable.
4 2018 Benefits Guide
provided by UMR. For many of us, nothing is more important than our health and the health
of our family members. This is why Harbin Clinic offers a comprehensive
medical insurance program to our employees. We partner with UMR, a
UnitedHealthcare (UHC) company to offer this coverage. You have the
option to choose between two medical plans.
Features of the Medical Plans Include
X You do not need to select a primary care physician (PCP)
X You do not need a referral to see a specialist
X When you need medical care, you decide if you want to use an in-
network provider or an out-of-network provider
X If you use a Harbin or UHC in-network provider, you will receive
deep discounts
X You do not have to ile claim forms when you use a Harbin or UHC
in-network provider
In-Network vs. Out-of-Network
A network is a group of doctors, specialists, hospitals, labs, and
pharmacies your plan contracts with at negotiated or discounted rates.
These make up the providers in your “network.” This means you will
almost always pay less when you receive care in-network.
If you choose to see an out-of-network provider, you may be required to
submit your own claims. You may also be balanced billed, which means
you will be responsible for charges above UMR’s reimbursement amount.
Wellness Program
To be eligible for wellness premiums, you must complete the following.
X Annual labs and biometrics
X Personal health assessment
X Well visit
The wellness premium is also contingent on compliance with the nicotine
policy and completion of health management pathway requirements if
applicable.
4 2018 Benefits Guide
