Page 3 - ARCO Construction 2015 Benefits Guide

2015 Associate Benefits

Medical Insurance

Medical Insurance

All full-time associates are eligible for medical coverage through
UnitedHealthcare. The chart is a summary of beneits offered under the Insurance Terms 101
plan effective December 1, 2014. Please note effective January 1, 2015, all Deductible
medical and pharmacy copays will apply towards your out-of-pocket A deductible is the amount of

maximum. money you must pay before the
plan begins paying beneits. There
General Plan Information In-Network Out-of-Network are several commonly received
Lifetime Maximum Unlimited services for which the deductible
Deductible does not apply. For example, if
Individual $750 $2,000 you have a physician’s visit or
Family $1,500 $4,000 ill prescriptions at an in-network
Coinsurance 90% 70% provider, you pay the speciied
Out-of-Pocket Maximum* copayment amount.
Individual $2,500 $5,000 Out-of-Pocket Maximum
Family $5,000 $10,000 The out-of-pocket maximum is
Includes the deductible designed to protect you in the
Physician Ofice Visits event of a catastrophic illness or
Primary Care $20 copay 70% after deductible injury. After you have paid the
Specialist $20 copay 70% after deductible speciied out-of-pocket amount
during a calendar year (which
Preventive Care includes your deductible), the
100%, no copay or 70% after deductible plan pays the remaining covered
deductible
Emergency Room services at 100%.
$100 copay $100 copay
In-Network Prescription Retail Mail
Drug Beneits (31 day supply) (90 day supply)
Tier 1 $10 copay $25 copay
Tier 2 $30 copay $75 copay
Tier 3 $50 copay $125 copay

* Includes deductible, coinsurance, and medical copays;
beginning January 1, 2015, pharmacy copays will also
be included.

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