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• Stay in-network
and your claims will be paid at the highest level. When you select
UnitedHealthcare
in-network physicians and
medical facilities for you and your family’s medical services you will have the least out-of-pocket expense. Please be sure that all
services provided including lab work or referrals remain in-network to maximize your savings.
• Choose the right health care setting:
• When you are sick or injured and it’s not urgent or life threatening, it’s usually best to go to
your own doctor’s office
.
Sometimes you need care in the evening or on a weekend when your primary care physician may not be available. In these
situations you may want to consider going to an
in-store clinic
or an
urgent care facility.
• Health Care Clinics and Minute Clinics
are quick access clinics staffed by nurse practitioners and physician’s assistants.
These clinics are located in Walgreens and CVS retail pharmacy stores. Go to an in-store clinic for common conditions like a
cough, cold, flu, ear infection, rash, bronchitis, or a sinus infection. You will typically pay your primary care physician copay
for the PPO 1000 Plan. These clinics save you time and money.
• More urgent conditions like sprains, strains, minor broken bones (fingers, toes) andminor wounds can be treated at an
urgent care
facility. Chances are you won’t have to wait as long as you would at the emergency roomand it will cost you less. Your urgent care
copay is less than your emergency room copay.
• If you have severe injuries, trauma or life threatening symptoms, dial 911 or go immediately to the closest
emergency
room.
• Preventive services
such as immunizations, physical and annual exams are covered at no cost. For a full list of preventive services
and guidelines, please visit
www.uspreventiveservicestaskforce.org.
• The following women’s preventive services will be covered at no cost: women’s sterilization procedures, insertion of IUDs
or injections, routine prenatal visits at an in-network provider, up to 6 visits with a lactation consultant and breast pumps
according to plan guidelines.
• Pharmacy services
• Be sure to use generic drugs when available – it saves you money!
• Purchase maintenance drugs through the mail order program. You can receive up to a 90-day supply for the cost of a two
month supply at a retail pharmacy.
• FDA approved generic contraceptives on the plan’s preferred drug list (formulary) and filled at an in-network pharmacy
are covered at no cost.
Things to Consider for Maximum Health Care Cost Savings
Availability of Summary Health Information
As an employee, the health benefits available to you represent a significant component of your compensation package. They
also provide important protection for you and your family in case of illness or injury.
Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you
make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important
information about any health coverage option in a standard format, to help you compare across options.
The SBC is available, free of charge, by calling the HR Department.