The UA Choice health care plan features three levels of coverage - the 750 Plan, the High Deductible Health Plan (HDHP), and the Consumer-Directed Health Plan (CDHP) with a Health Savings Account - and an opt-out provision for employees with other coverage. Annual plan deductibles and costs of coverage vary based on the level of coverage selected.
Making Your Health Care Plan Decision
Before you enroll . . .
Here are some ideas to help you compare your options, consider what's important to you and find the plans that best fit your health needs and financial situation. Remember, generally you may switch to a different health plan only during open enrollment, unless you have a major life event.
Think about the whole cost of coverage, your payroll deductions plus deductibles, copays and other out-of-pocket expenses. Use the Medical Cost Estimator Worksheet in the UA Choice Enrollment Guide to estimate your expenses under each medical plan option you're considering. Click here to view the current rates for the employee health plan. Click here to view the plan comparison, another useful tool.
Seeing a non-contracting provider could cost you more
If you use a provider who does not contract with Premera or another Blue Cross Blue Shield licensee, you should know that the allowable charge for services you receive will be 125% of the Medicare rate for that service. The plan will still pay 60% or 80% (in some situations) of that rate, but you will be responsible for anything over the allowable charge in addition to any deductible or coinsurance you may owe. More information is available here, or contact Premera at (800) 364-2982
FY16 Summary of Benefits and Coverage
Coverage dates of 7/1/15 - 6/30/16
Some planned services and procedures require prior authorization to make sure they're medically necessary and eligible for coverage under the plan. More information is available here or on Premera's website.