Medical
Medical coverage provides healthcare protection for you and your family. You can visit any provider, but in-network doctors offer the highest level of benefits and lower out-of-pocket costs by charging reduced, contracted rates. Out-of-network providers set their own fees, so you may be responsible for charges above the Reasonable and Customary (R&C) limits. Preventive Care – like physical exams, flu shots, and screenings – is always covered 100% when you use in-network providers. The key difference between the plans is the amount of money you’ll pay each pay period and when you need care.
Healthcare Glossary
Confused about medical definitions? Our helpful glossary explains common medical terminology. This way, you can learn the medical language.
Each plan has different:
- Annual deductible amounts – the amount you pay each year for eligible in-network and out-of-network charges before the plan begins to pay.
- Out-of-pocket maximums– the most you will pay each year for eligible network services and/or prescriptions. After you reach your out-of-pocket maximum, the plan picks up the full cost of covered medical care for the remainder of the year.
- Copays – A copay is a fixed amount you pay for a health care service. Copays do not count toward your deductible but do count toward your annual out-of-pocket maximum.
- Coinsurance – Once you’ve met your deductible, you and the plan share the cost of care, which is called coinsurance. For example, you pay 20% for services and the plan will pay 80% of the cost until you have reached your out-of-pocket maximum.
UHC HSA PPO
Benefit Highlights
In-Network
Deductible (Individual/Family)
$2,500/$5,000
Out-of-Pocket Max (Individual/Family)
$5,000/$6,850
Preventive Care
No charge
Primary Care Visit
10% after deductible
Specialist Visit
10% after deductible
Urgent Care
10% after deductible
Emergency Room
10% after deductible
Retail Rx (Up to 31-Day Supply)
Generic
$10 copay after deductible
Preferred Brand
$30 copay after deductible
Non-Preferred Brand
$50 copay after deductible
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
$25 copay after deductible
Preferred Brand
$75 copay after deductible
Non-Preferred Brand
$125 copay after deductible
Specialty
N/A
Out-of-Network
Deductible (Individual/Family)
$5,000/$10,000
Out-of-Pocket Max (Individual/Family)
$10,000/$20,000
Preventive Care
30% after deductible
Primary Care Visit
30% after deductible
Specialist Visit
30% after deductible
Urgent Care
30% after deductible
Emergency Room
10% after network deductible
Retail Rx (Up to 31-Day Supply)
Generic
$10 copay after deductible
Preferred Brand
$30 copay after deductible
Non-Preferred Brand
$50 copay after deductible
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
Not covered
Semi-Monthly Plan Cost
Business Services Professionals & Managers
Employee Only: $6.00
Employee and Spouse/DP: $68.00
Employee and Family: $106.00
Associates/Law Clerks/Directors/CXOs
Employee Only: $15.50
Employee and Spouse/DP: $97.00
Employee and Family: $151.00
Senior Counsel
Employee Only: $439.55
Employee and Spouse/DP: $864.63
Employee and Family: $1,405.25
Partners
Employee Only: $439.55
Employee and Spouse/DP: $864.63
Employee and Family: $1,405.25
UHC PPO 90/70
Benefit Highlights
In-Network
Deductible (Individual/Family)
$750/$1,500
Out-of-Pocket Max (Individual/Family)
$3,500/$7,000
Preventive Care
No charge
Primary Care Visit
$25 copay
Specialist Visit
$40 copay
Urgent Care
$75 copay
Emergency Room
$200 copay (copay waived if admitted)
Retail Rx (Up to 31-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
$30 copay
Preferred Brand
$85 copay
Non-Preferred Brand
$150 copay
Specialty
N/A
Out-of-Network
Deductible (Individual/Family)
$1,500/$3,000
Out-of-Pocket Max (Individual/Family)
$7,000/$14,000
Preventive Care
30% after deductible
Primary Care Visit
30% after deductible
Specialist Visit
30% after deductible
Urgent Care
30% after deductible
Emergency Room
$200 copay (copay waived if admitted)
Retail Rx (Up to 31-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
N/A
Semi-Monthly Plan Cost
Business Services Professionals & Managers
Employee Only: $89.50
Employee and Spouse/DP: $341.00
Employee and Family: $524.00
Associates/Law Clerks/Directors/CXOs
Employee Only: $121.50
Employee and Spouse/DP: $404.00
Employee and Family: $626.50
Senior Counsel
Employee Only: $642.37
Employee and Spouse/DP: $1,263.59
Employee and Family: $2,053.68
Partners
Employee Only: $642.37
Employee and Spouse/DP: $1,263.59
Employee and Family: $2,053.68
UHC PPO 100/50
Benefit Highlights
In-Network
Deductible (Individual/Family)
$400/$1,200
Out-of-Pocket Max (Individual/Family)
$1,500/$4,500
Preventive Care
No charge
Primary Care Visit
$35 copay
Specialist Visit
$55 copay
Urgent Care
$75 copay
Emergency Room
$200 copay (copay waived if admitted)
Retail Rx (Up to 31-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
$30 copay
Preferred Brand
$85 copay
Non-Preferred Brand
$150 copay
Specialty
N/A
Out-of-Network
Deductible (Individual/Family)
$2,500/$7,500
Out-of-Pocket Max (Individual/Family)
$15,000/$45,000
Preventive Care
50% after deductible
Primary Care Visit
50% after deductible
Specialist Visit
50% after deductible
Urgent Care
50% after deductible
Emergency Room
$200 copay (copay waived if admitted)
Retail Rx (Up to 31-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
N/A
Semi-Monthly Plan Cost
Business Services Professionals & Managers
Employee Only: $140.00
Employee and Spouse/DP: $419.50
Employee and Family: $639.00
Associates/Law Clerks/Directors/CXOs
Employee Only: $172.50
Employee and Spouse/DP: $497.00
Employee and Family: $745.50
Senior Counsel
Employee Only: $666.30
Employee and Spouse/DP: $1,310.68
Employee and Family: $2,130.20
Partners
Employee Only: $666.30
Employee and Spouse/DP: $1,310.68
Employee and Family: $2,130.20
UHC HSA PPO (DC, MD, VA Only)
Benefit Highlights
In-Network
Deductible (Individual/Family)
$2,500/$5,000
Out-of-Pocket Max (Individual/Family)
$5,000/$6,850
Preventive Care
No charge
Primary Care Visit
10% after deductible
Specialist Visit
10% after deductible
Urgent Care
10% after deductible
Emergency Room
10% after deductible
Retail Rx (Up to 31-Day Supply)
Generic
$10 copay
Preferred Brand
$30 copay
Non-Preferred Brand
$50 copay
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
$25 copay
Preferred Brand
$75 copay
Non-Preferred Brand
$125 copay
Specialty
N/A
Out-of-Network
Deductible (Individual/Family)
$2,500/$5,000
Out-of-Pocket Max (Individual/Family)
$5,000/$6,850
Preventive Care
10% after deductible
Primary Care Visit
10% after deductible
Specialist Visit
10% after deductible
Urgent Care
10% after deductible
Emergency Room
10% after deductible
Retail Rx (Up to 31-Day Supply)
Generic
10% after deductible
Preferred Brand
10% after deductible
Non-Preferred Brand
10% after deductible
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
N/A
Semi-Monthly Plan Cost
Business Services Professionals & Managers
Employee Only: $6.00
Employee and Spouse/DP: $68.00
Employee and Family: $106.00
Associates/Law Clerks/Directors/CXOs
Employee Only: $15.50
Employee and Spouse/DP: $97.00
Employee and Family: $151.00
Senior Counsel
Employee Only: $440.82
Employee and Spouse/DP: $867.13
Employee and Family: $1,409.32
Partners
Employee Only: $440.82
Employee and Spouse/DP: $867.13
Employee and Family: $1,409.32
UHC PPO 90/90 (DC, MD, VA Only)
Benefit Highlights
In-Network
Deductible (Individual/Family)
$750/$1,500
Out-of-Pocket Max (Individual/Family)
$3,500/$7,000
Preventive Care
No charge
Primary Care Visit
$25 copay
Specialist Visit
$40 copay
Urgent Care
$75 copay
Emergency Room
$200 copay
Retail Rx (Up to 31-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
$30 copay
Preferred Brand
$85 copay
Non-Preferred Brand
$150 copay
Specialty
N/A
Out-of-Network
Deductible (Individual/Family)
$750/$1,500
Out-of-Pocket Max (Individual/Family)
$3,500/$7,000
Preventive Care
10% after deductible
Primary Care Visit
10% after deductible
Specialist Visit
10% after deductible
Urgent Care
10% after deductible
Emergency Room
$200 copay
Retail Rx (Up to 31-Day Supply)
Generic
$15 copay
Preferred Brand
$35 copay
Non-Preferred Brand
$60 copay
Specialty
N/A
Mail-Order Rx (Up to 90-Day Supply)
Generic
Not covered
Preferred Brand
Not covered
Non-Preferred Brand
Not covered
Specialty
N/A
Semi-Monthly Plan Cost
Business Services Professionals & Managers
Employee Only: $89.50
Employee and Spouse/DP: $341.00
Employee and Family: $524.00
Associates/Law Clerks/Directors/CXOs
Employee Only: $121.50
Employee and Spouse/DP: $404.00
Employee and Family: $626.50
Senior Counsel
Employee Only: $643.56
Employee and Spouse/DP: $1,265.94
Employee and Family: $2,057.50
Partners
Employee Only: $643.56
Employee and Spouse/DP: $1,265.94
Employee and Family: $2,057.50