Page 7 - United Capital EE Guide 2019-2020

MEDICAL INSURANCE

KAISER CIGNA CIGNA
HMO PPO HSA
Network Name Network Network Non-Network Network Non-Network
HEALTH BENEFITS
Lifetime Maximum Unlimited Unlimited Unlimited
Annual Deductible
• Individual None $500 $1,000 $4,000 $8,000
• Family None $1,000 $2,000 $8,000 $16,000
Coinsurance (Plan Pays) 100% 80% 50% 80% 60%
Physician Office Visit
• PCP $30 Copay $25 Copay Deductible, 50% Deductible, 20% Deductible, 40%
• Specialist $30 Copay $50 Copay Deductible, 50% Deductible, 20% Deductible, 40%
• Telehealth N/A $25 Copay N/A Deductible, 20% N/A
Out-of-Pocket Maximum
• Individual $1,500 $3,000 $6,000 $5,500 $11,000
• Family (Ind Protection*) $3,000 $6,000 $12,000 $11,000 $22,000
Hospitalization
• Inpatient $500 Copay Deductible, 20% Deductible, 50% Deductible, 20% Deductible, 40%
• Outpatient Surgery $200 Copay Deductible, 20% Deductible, 50% Deductible, 20% Deductible, 40%
Emergency Services $100 Copay $100 Copay Deductible, 20%
Urgent Care $30 Copay $50 Copay Deductible, 50% Deductible, 20% Deductible, 40%
Preventive Care No Charge No Charge Deductible, 50% No Charge Deductible, 40%
Chiropractic $30 Copay $25/$50 Copay Deductible, 50% Deductible, 20% Deductible, 40%
30 Visits/Year 30 Visits/Year 30 Visits/Year
PHARMACY BENEFITS
Annual Deductible None None Medical Deductible Applies*
Retail Pharmacy
• Generic $15 Copay $10 Copay Not Covered $15 Copay Not Covered
• Preferred Brand $35 Copay $30 Copay Not Covered $20 Copay Not Covered
• Non-Preferred Brand N/A $60 Copay Not Covered $35 Copay Not Covered
• Supply Limit 30 Days 30 Days N/A 30 Days N/A
Mail Order Pharmacy
• Generic $30 Copay $20 Copay Not Covered $37 Copay Not Covered
• Preferred Brand $70 Copay $60 Copay Not Covered $60 Copay Not Covered
• Non-Preferred Brand N/A $120 Copay Not Covered $105 Copay Not Covered
• Supply Limit 100 Days 90 Days N/A 90 Days N/A
Specialty
• Retail 20% Max $250 $100 Copay Not Covered $100 Copay Not Covered
• Mail Order N/A $100 Copay Not Covered $100 Copay Not Covered
• Supply Limit 30 Days 30 Days N/A 30 Days N/A
*Some preventive drugs are not subject to the medical deductible. See UltiPro for the full list.

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