Page 9 - iFLY Benefit Guide 01-20

Medical Plan Choices

United Healthcare | PPO Plan
The PPO plan requires that you meet a calendar year Access to Care
The PPO and the HSA PPO plans are
deductible before United Healthcare starts paying for certain Preferred Provider Organization (PPO) plans
services. Once the deductible has been met, most services will and use United Healthcare’s Choice Plus
be covered at a coinsurance or a copay, For certain services, network. PPO plans allow you to direct your
such as office visits and urgent care, United Healthcare has
waived the deductible and cost sharing begins immediately, own care. You have the freedom to choose
your doctor without the requirement of
selecting a PCP and you may self-refer to
United Healthcare | HSA PPO Plan specialists. You may use a network provider
With the HSA PPO plan, you can pay for qualified healthcare whose negotiated rates provide richer levels
expenses now and grow your savings for future healthcare of benefits with claim forms filed by the
needs. This plan combines a High Deductible Health Plan providers. You may also obtain services
(HDHP) with a special, tax-qualified Health Savings Account using a non-network provider; however, you
(HSA). You and the company can contribute tax-free money to will be responsible for the difference
your HSA up to IRS maximums. The money in your account is between the covered amount and the actual
yours to pay for current healthcare expenses - or you can save charges, and you may be responsible for
toward future healthcare expenses. More details about the filing claims.
HSA medical plan are located on page 13.

Finding a Medical Provider
Go to http://choiceplus.welcometouhc.com. From
the website, scroll down and look for the “Find Your
Doctor” button on the right-hand side.

You may also call (866) 633-2446. Educational Video
Health Insurance Terms
http://video.burnhambenefits.com/terms

Glossary of Terms

Deductible Coinsurance

The amount of out-of-pocket expenses that you must A cost sharing agreement between the insurance
pay for before any expenses are payable by the plan. company and the insured where payment
responsibility is shared for all claims covered by the
policy, usually expressed as a percentage.

Copay Out-of-Pocket Maximum

The flat dollar amount a covered individual is required The annual maximum amount of money you will pay in
to pay for certain services (could be before or after addition to copays and deductibles.
meeting any applicable deductible).

Team Member Benefits 9