Page 5 - 2015/2016 Benefits Guide
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Medical Plan Option
Medical Choosing an Option
TheBANK offers eligible full-time, exempt, and oficer employees It is important for you to consider
along with their dependents medical coverage through a self- your personal and family needs before
funded plan. Our medical administrator is UMR and we utilize choosing a medical insurance plan. As
the UnitedHealthcare Choice Plus Network. Prescription drug you make your selection, you should
coverage is provided through Express Scripts. Your options consider:
include:
How well does your current medical
Employee only plan meet your healthcare needs?
Employee + spouse Does it provide enough coverage or
Employee + child(ren) more coverage than you use or need?
Employee + family How often do you or your family
members require medical care?
Three Plan Options Are you likely to have exceptional
You may choose to enroll in the Basic Health Plan, Premium medical expenses this year?
Health Plan, or Consumer Driven Health Plan (CDHP). All Can you receive medical coverage for
three plans offer the Choice Plus Network. The two standard yourself and/or your family under
plans include ixed copays for ofice visits, ER, and urgent care another medical plan such as your
which count towards your out-of-pocket maximum. The CDHP spouse’s?
doesn’t have copays, but 20 percent coinsurance for prescription
drugs, ofice visits, ER, and urgent care which count towards Can you use the optional beneit,
the deductible and out-of-pocket maximum. In addition, with Health Care Reimbursement
enrollment in the CDHP, you can open up an HSA plan through Account, to pay some of your
Optum Bank. Review the Plan Highlights carefully and choose medical expenses?
the option that best meets your personal and family needs. Plan Laboratory Services
elections are binding for the remainder of the policy year unless
you experience a change in family status. As a reminder, United Healthcare
contracts with LabCorp as their single
national provider for laboratory services.
Finding A Medical Provider Hospital associated labs or physician
Go to www.umr.com Select “Click Here” under the ofice draws are subject to the deductible
Medical section to access the and coinsurance. If your physician’s
Select “Find a Provider” on the UnitedHealthcare Provider
left hand side of the page Search Application ofice does not perform the draw in their
Select “Medical” Fill out the information and ofice, you may request to be sent to a
LabCorp facility.
Select your Network select “Continue”
(UnitedHealthcare Choice Plus)
Benefits Guide
Medical Plan Option
Medical Choosing an Option
TheBANK offers eligible full-time, exempt, and oficer employees It is important for you to consider
along with their dependents medical coverage through a self- your personal and family needs before
funded plan. Our medical administrator is UMR and we utilize choosing a medical insurance plan. As
the UnitedHealthcare Choice Plus Network. Prescription drug you make your selection, you should
coverage is provided through Express Scripts. Your options consider:
include:
How well does your current medical
Employee only plan meet your healthcare needs?
Employee + spouse Does it provide enough coverage or
Employee + child(ren) more coverage than you use or need?
Employee + family How often do you or your family
members require medical care?
Three Plan Options Are you likely to have exceptional
You may choose to enroll in the Basic Health Plan, Premium medical expenses this year?
Health Plan, or Consumer Driven Health Plan (CDHP). All Can you receive medical coverage for
three plans offer the Choice Plus Network. The two standard yourself and/or your family under
plans include ixed copays for ofice visits, ER, and urgent care another medical plan such as your
which count towards your out-of-pocket maximum. The CDHP spouse’s?
doesn’t have copays, but 20 percent coinsurance for prescription
drugs, ofice visits, ER, and urgent care which count towards Can you use the optional beneit,
the deductible and out-of-pocket maximum. In addition, with Health Care Reimbursement
enrollment in the CDHP, you can open up an HSA plan through Account, to pay some of your
Optum Bank. Review the Plan Highlights carefully and choose medical expenses?
the option that best meets your personal and family needs. Plan Laboratory Services
elections are binding for the remainder of the policy year unless
you experience a change in family status. As a reminder, United Healthcare
contracts with LabCorp as their single
national provider for laboratory services.
Finding A Medical Provider Hospital associated labs or physician
Go to www.umr.com Select “Click Here” under the ofice draws are subject to the deductible
Medical section to access the and coinsurance. If your physician’s
Select “Find a Provider” on the UnitedHealthcare Provider
left hand side of the page Search Application ofice does not perform the draw in their
Select “Medical” Fill out the information and ofice, you may request to be sent to a
LabCorp facility.
Select your Network select “Continue”
(UnitedHealthcare Choice Plus)
Benefits Guide
