The Healthy Savings Plan (HSP) is the University’s IRS-qualified high-deductible health plan. It features a broad provider network, the lowest monthly premiums, and higher deductibles, with coinsurance for medical services and prescription drugs until the out-of-pocket limit is reached. The plan can be paired with a Health Savings Account (HSA), including an annual University contribution of up to $1,200, and a Health Payment Account (HPA) to help manage out-of-pocket costs through payroll deduction with no fees or interest.
Plan Availability
The Healthy Savings Plan is available regardless of location.
For more information on eligibility for benefits coverage, including covering dependents, see Benefit Eligibility & Program Structure.
Costs
Costs
Monthly Cost*
Premiums
Monthly employee premium cost for active employees:
- Self only: $71
- Self and spouse: $205
- Self and child(ren): $181
- Self, spouse and child(ren): $350
*Premiums for faculty on a nine-month contract paid over nine months are different. For more information, visit the Premiums for 9-month faculty paid over 9 months webpage.
Amount Owed Before Insurance Pays
Deductible*
The Healthy Savings Plan has one annual deductible that combines both medical and prescription drug costs.
- Medical and Rx deductible (combined):
- In-network: $2,200/self*; $4,400/family*
- Out-of-network: $4,400/self*; $8,800/family*
*Only the individual or family deductible must be satisfied based on self or family coverage.
Max You Pay Annually
Out-of-Pocket Limit*
The Healthy Savings Plan has annual one out-of-pocket limit that combines both medical and prescription drug costs.
- Medical and Rx out-of-pocket limit (combined):
- In-network: $4,200/self; $8,400/family
- Out-of-network: $8,400 or more/self; $16,800 or more/family
*Only the individual or family limit must be satisfied based on self or family coverage. Once the annual out-of-pocket limit is met, the plan pays 100% of covered services for the rest of the year.
Covered Services
You may choose to visit either in-network or out-of-network physicians and other providers. Your costs will be discounted, however, when you select in-network providers. You pay the total of the discounted price until the deductible is met.
See Plan Contacts & Provider Directories
Service | In-Network Cost | Out-of-Network Cost** |
|---|---|---|
Preventive Care | $0 | 40% or more after deductible |
Primary Care | 20% after deductible | 40% or more after deductible |
Specialist Care | 20% after deductible | 40% or more after deductible |
Urgent Care | 20% after deductible | 40% or more after deductible |
Lab & X-Ray | 20% after deductible | 40% or more after deductible |
Outpatient Care | 20% after deductible | 40% or more after deductible |
Inpatient Care | 20% after deductible | 40% or more after deductible |
Durable Medical Equipment | 20% after deductible | 40% or more after deductible |
Emergency Room | 20% after deductible | 20% after deductible |
Ambulance | 20% after deductible | 20% after deductible |
**Refer to the Summary Plan Description (SPD) for additional details on allowable and eligible expenses when using an out-of-network provider.
Prescription Drugs
Specialty medications are managed and processed through ArchimedesRx. For retail drugs, 90-day fills or refill at Mizzou pharmacies at same cost as mail-order.
Prescription Type | Network | Formulary Generic | Formulary Brand | Non-Formulary Brand |
|---|---|---|---|---|
Retail, non-maintenance | In-Network | 20% after deductible | 20% after deductible | 20% after deductible |
Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible | |
Retail, Maintenance | In-Network | 20% after deductible | 20% after deductible | 20% after deductible |
Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible | |
In-Network | 20% after deductible | 20% after deductible | 20% after deductible | |
Out-of-Network | 40% after deductible | 40% after deductible | 40% after deductible |
Consider Account Options
Consider Account Options
Revolving Credit for Health Care
Health Payment Account (HPA)
Health Payment Accounts (HPA) are available to eligible Healthy Savings Plan enrollees. An HPA provides a $2,000 revolving line of credit to help pay for eligible out-of-pocket health care expenses, including medical, pharmacy, dental and mental health services. Repayment is made through customizable payroll deductions.
University & Tax-Free Contributions
Health Savings Account (HSA)
Health Savings Accounts (HSA) are only available to eligible Healthy Savings Plan enrollees. The University contributes up to $1,200 (depending on when you enroll and you enroll and your level of coverage). You may also choose to contribute tax-free money up to IRS limits to use toward health care expenses.
Covering Dependent Care
Flexible Spending Account (FSA)
Dependent Care Flexible Spending Accounts (FSA) are available to eligible Healthy Savings Plan enrollees to set aside money pre-tax for childcare and/or elder dependent care expenses. You are not eligible for the Health Care FSA since you have access to a Health Savings Account (HSA).
Making the Most of Your Coverage
Making the Most of Your Coverage
Whether you’re learning about University insurance or already enrolled in a medical plan, you can use these resources to find out more about the breadth of your coverage.
Learn about enrolling or making plan changes and how to make the most of your insurance day-to-day, plus explore how coverage applies to specific health needs to get the support you need when you need it.
Notice of Nondiscrimination
If you speak another language, assistance services, free of charge, are available to you.
Call UnitedHealthcare at 1-844-634-1237 for translation assistance.
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