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.
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.
Health Network providers
You can save money on medical services when you use network providers, where available. So it's important to find out where participating providers and other health care providers are located. For health care network providers, visit the Premera website and click "Find A Doctor". For vision care network providers visit the VSP website and click "Find A VSP Doctor". For a pharmacy, visit the CVS Caremark website and login. Click the "Prescriptions and Coverage" tab and use the menu on the left to find a provider.
The deductible is the amount you pay each year before the plan begins to pay benefits. A higher deducible plan (such as the economy plan) might be a smart choice if:
- You want a lower payroll deduction and you can budget enough money to pay the higher deductible
- You don't have a lot of health care claims in a typical year.
- You have other medical coverage available, such as through a spouse's plan.
- You set aside money each month to cover the deductible through the use of the flexible spending account.
Budgeting for health care
No matter what health plan you choose, you'll probably have some out-of-pocket expenses for things like deductibles and copays. A great way to budget for health care expenses—and save money on taxes at the same time—is with a health care flexible spending account.