Byline: Tracey Westfield, Communications Associate
Throughout the month of July, we’ll be publishing a series of articles to get you and/or your kids ready to head back to school. It may seem too early to think about the fall semester, but a little planning now can help you avoid the back-to-school rush come August! This week, we’ll focus on scheduling your kids’ annual physicals.
Next week, we’ll talk about staying physically active while driving “the mommy/daddy bus.” Later in the month we’ll focus on assistance for college costs and planning healthy back-to-school lunches.
Physicals are routine for school children, though requirements can vary by school district. Kids participating on sports teams almost always have to get physicals before the start of the school year. It’s good to plan now for this fall’s rush to the doctor.
The University of Missouri’s healthcare plans offer access to doctors, dentists and specialists across the state that can help with your well child exams. When visiting in-network doctors or other in-network providers, our health insurance covers 100 percent of preventive care—including routine physicals—at no charge to employees and family members covered by one of our plans. If you choose an out-of-network provider, then your deductible and coinsurance applies. The university’s healthcare administrator is Coventry Health Care of Missouri. Go to the Coventry website to find a provider.
So, when does your child need a physical? Coventry’s schedules for child preventive care and immunizations are based on guidelines from the U.S. Preventive Services Task Force and the Centers for Disease Control, respectively. Generally speaking, children under the age of three will need physical exams multiple times a year. After that, exams taper off to once per year. See Coventry’s schedule for:
- preventive services for children from birth to 10 years of age (PDF)
- preventive services for children/youth 11 to 24 years of age (PDF)
- immunizations for children/youth 0 to 18 years of age (PDF)
In addition to general physical exams and immunizations, you’ll probably need to schedule dental and/or vision exams for your children.
- Visit Delta Dental to find an in-network dentist in your area. Routine oral exams are covered at 100 percent for enrollees in the university’s dental plan.
- Some school districts provide free eye exams at school. But if not, get your children’s exams by finding an eye doctor through VSP, our vision plan provider. The plan offers eye exams with a $10 copay. With a $25 copay, you can get lenses once per year and frames every other year. Contact lenses are provided once per year with no copay.
- The University of Missouri’s Your Benefits At A Glance guide (PDF)
- More tools from Coventry
- More about the university’s health plans
About the author: Tracey is a communications associate in the University of Missouri’s Total Rewards department. She has 15 years of experience in web communications.
The university deducts premiums from your paycheck automatically, but you can select to have your deductions removed before taxes are taken out, or after. Learn more before you make this important decision during Annual Enrollment.
What’s the difference between a FSA and a HSA? Understand your benefits by learning about health expense accounts. Remember, the type of account you can use depends on the insurance plan you choose during Annual Enrollment.
You probably already know how your insurance plan supports your health and wellness, but sometimes, there are health and wellness purchases that insurance doesn’t cover. With UnitedHealthcare as your administrator, though, you’re well on your way to realizing savings of 10-25% on many health and wellness purchases not included in your standard health benefit plan.
Byline: Carli Wrisinger As you may recall from an earlier announcement, United Healthcare has been selected as the new medical
Need a little extra motivation to improve your wellness? Rally is an online tool designed by UHC to help you create and maintain a health plan, and to support you with additional information and incentives as you work through that health plan.
An HSA is a great resource for paying for your current healthcare needs, but have you thought about using your HSA to create a healthcare nest egg for retirement?