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Healthy Savings Plan

The Healthy Savings Plan is available to all benefit-eligible faculty and staff. Non-Medicare-eligible retirees and dependents have access to the Retiree Healthy Savings Plan. As the University's IRS-qualified high-deductible health plan, you can enroll in a health savings account (HSA). For eligible faculty and staff, the University makes contributions to your HSA.

Jump to: 2023 Healthy Savings Plan | 2022 Healthy Savings Plan


  2023 Healthy Savings Plan  

Note: Information related to insurance coverage for COVID-19 expenses, including at-home tests for a $0 copay, is available on the HR-702 COVID-19 Policies Q&A.

About the Plan

The Healthy Savings Plan is available regardless of location. The plan is coupled with a Health Savings Account (HSA). Your employer makes an annual contribution to help increase your savings for qualified health care expenses.

Click on a header to expand the selection and uncover additional information.

💠 Plan Features

Iconographic illustration of a medical cadeuceus

  • You pay the full cost of medical services and prescription drugs until you reach your annual deductible.
  • The price of in-network medical services and prescription drugs is discounted. You pay the total of that discounted price until the deductible is met.
  • After you meet the deductible, you pay 15% of the cost of covered in-network medical services and prescription drugs until you reach the out-of-pocket limit (comprised of deductibles, coinsurance and prescription drug charges).
  • Once the annual out-of-pocket limit is met, the plan will pay 100% of covered services and prescription drugs for the rest of the year.
  • The deductible for the Healthy Savings Plan combines medical services and prescription drug expenses, rather than having one deductible for each. Similarly, the out-of-pocket limit combines medical and prescription expenses.
  • You may be eligible for a Dependent Care Flexible Spending Account (FSA) but not a Health Care FSA since you have access to an HSA.
  • For those in the Columbia area, 90-day fills/refills are available at Mizzou pharmacies at the same cost as mail-order. Participants may fill specialty medications through a Mizzou Specialty Pharmacy or Accredo.
 

💳 Annual University contribution to Health Savings Account

The University will contribute funds to a Health Savings Account for eligible employees who enroll in the Healthy Savings Plan. Visit the understanding your HSA webpage to learn if you're eligible and/or the amount the University will contribute based on the elections you choose. In addition to University contributions, faculty and staff may choose to contribute tax-free money up to IRS limits.

 

Costs

Click on a header to expand the selection and uncover additional information.

💲 Premiums

Monthly employee premium cost for active employees:

  • Self only: $58
  • Self and spouse: $166
  • Self and child(ren): $147
  • Self, spouse and child(ren): $284
 

🩺 Covered Services

In-Network Services

  • Preventive Care: $0
  • Primary Care: 15% after deductible
  • Specialist Care: 15% after deductible
  • Urgent Care: 15% after deductible
  • Lab and X-ray: 15% after deductible
  • Outpatient Care: 15% after deductible
  • Inpatient Care: 15% after deductible
    • includes maternity delivery
  • Durable medical equipment: 15% after deductible
  • Emergency room: 15% after deductible
  • Ambulance: 15% after deductible

Out of Network Services

  • Preventive Care: 35% or more after deductible
  • Primary Care: 35% or more after deductible
  • Specialist Care: 35% or more after deductible
  • Urgent Care: 35% or more after deductible
  • Lab and X-ray: 35% or more after deductible
  • Outpatient Care: 35% or more after deductible
  • Inpatient Care: 35% or more after deductible
    • Includes maternity delivery
  • Durable medical equipment: 35% or more after deductible
  • Emergency room: 15% or more after deductible
  • Ambulance: 15% or more 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

  • Prescription drug: Retail (formulary generic, formulary brand or non-formulary brand):
    • In-network: 15% after deductible
    • Out-of-network**: 35% or more after deductible
  • Prescription drug: Mail (formulary generic, formulary brand or non-formulary brand):
    • In-network: 15% after deductible
    • Out-of-network**: 35% or more after deductible
 

➖ Deductible

The Healthy Savings Plan has one annual deductible that combines both medical and prescription drug costs.

  • Medical and Rx deductible (combined):
    • In-network: $1,750/self*; $3,500/family*
    • Out-of-network: $3,500/self*; $7,000/family*

*Considerations for “self” and “family” are different for the Healthy Savings Plan than for the Custom Network Plan and PPO Plan. Visit the glossary for details.

 

🧾 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: $3,750/self*; $7,500/family*
    • Out-of-network**: $7,000 or more/self; $14,000 or more/family*

*Considerations for “self” and “family” are different for the Healthy Savings Plan than for the Custom Network Plan and PPO Plan. Visit the glossary for details.
** Please refer to the Summary Plan Description (SPD) for additional details on allowable/eligible expenses when using an out-of-network provider.

 

For a printable version, download the Plan Information and Comparison handout (375KB, PDF), which features a comparison chart and premium rates for the available insurance plans.


Making the Most of Your Plan

Click on a header to expand the selection and uncover additional information.

💳 Consider a Health Savings Account

If you enroll in the Healthy Savings Plan, you may be eligible to sign up for a Health Savings Account (HSA) to help cover your health care expenses. The University even contributes funds to a Health Savings Account for eligible employees. Visit the understanding your HSA webpage to learn more.

 

📋 Rx Cost Estimator

To estimate prescription costs, visit Express Script's prescription cost estimator tool (exit UM System site) for UM System medical plans. Select the plan year and health plan you wish to review; then, select "price a medicine" and type in the medicine's name. You will be prompted to select the strength, form, quantity and frequency for the prescription to estimate the cost covered by the plan and the cost to you.

 

🏥 Network Providers

You may choose to visit either in-network or out-of-network physicians and other providers. Your costs will be lower, however, when you select in-network providers. Provider directories may be accessed on the plan contacts webpage.

 

💻 Virtual Visits

Virtual visits are also available to you. Virtual visits let you see and talk to a doctor from your mobile device or computer without an appointment, any time. Visit the virtual visits webpage to learn more.

 

🎗 Preventive Care and Special Health Topics

Preventive Care

Many health plans include preventive care services, such as various screenings, vaccinations and well-woman visits, at no out-of pocket cost. Read about women's preventive healthcare or learn more about UHC's preventive care guidelines (exit UM System site).


Special Health Topics

Consult the following webpages for additional information on special health topics:

 

🏷 Discounts

Visit the health and wellness tools and discounts webpage to maximize your convenience and savings.

 



  2022 Healthy Savings Plan  

About the Plan

The Healthy Savings Plan is available regardless of location. The plan is coupled with a Health Savings Account (HSA). Your employer makes an annual contribution to help increase your savings for qualified health care expenses.

Click on a header to expand the selection and uncover additional information.

💠 Plan Features

Iconographic illustration of a medical cadeuceus

  • You pay the full cost of medical services and prescription drugs until you reach your annual deductible.
  • The price of in-network medical services and prescription drugs is discounted. You pay the total of that discounted price until the deductible is met.
  • After you meet the deductible, you pay 15% of the cost of covered in-network medical services and prescription drugs until you reach the out-of-pocket limit (comprised of deductibles, coinsurance and prescription drug charges).
  • Once the annual out-of-pocket limit is met, the plan will pay 100% of covered services and prescription drugs for the rest of the year.
  • The deductible for the Healthy Savings Plan combines medical services and prescription drug expenses, rather than having one deductible for each. Similarly, the out-of-pocket limit combines medical and prescription expenses.
  • You may be eligible for a Dependent Care Flexible Spending Account (FSA) but not a Health Care FSA since you have access to an HSA.
  • For those in the Columbia area, 90-day fills/refills are available at Mizzou pharmacies at the same cost as mail-order. Participants may fill specialty medications through a Mizzou Specialty Pharmacy or Accredo.
 

💳 Annual University contribution to Health Savings Account

The University will contribute funds to a Health Savings Account for eligible employees who enroll in the Healthy Savings Plan. Visit the understanding your HSA webpage to learn if you're eligible and/or the amount the University will contribute based on the elections you choose. In addition to University contributions, faculty and staff may choose to contribute tax-free money up to IRS limits.

 

Costs

Click on a header to expand the selection and uncover additional information.

💲 Premiums

Monthly employee premium cost for active employees:

  • Self only: $58
  • Self and spouse: $164
  • Self and child(ren): $141
  • Self, spouse and child(ren): $273
 

🩺 Covered Services

In-Network Services

  • Preventive Care: $0
  • Primary Care: 15% after deductible
  • Specialist Care: 15% after deductible
  • Urgent Care: 15% after deductible
  • Lab and X-ray: 15% after deductible
  • Outpatient Care: 15% after deductible
  • Inpatient Care: 15% after deductible
    • includes maternity delivery
  • Durable medical equipment: 15% after deductible
  • Emergency room: 15% after deductible
  • Ambulance: 15% after deductible

Out of Network Services

  • Preventive Care: 35% or more after deductible
  • Primary Care: 35% or more after deductible
  • Specialist Care: 35% or more after deductible
  • Urgent Care: 35% or more after deductible
  • Lab and X-ray: 35% or more after deductible
  • Outpatient Care: 35% or more after deductible
  • Inpatient Care: 35% or more after deductible
    • Includes maternity delivery
  • Durable medical equipment: 35% or more after deductible
  • Emergency room: 15% or more after deductible
  • Ambulance: 15% or more 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

  • Prescription drug: Retail (formulary generic, formulary brand or non-formulary brand):
    • In-network: 15% after deductible
    • Out-of-network**: 35% or more after deductible
  • Prescription drug: Mail (formulary generic, formulary brand or non-formulary brand):
    • In-network: 15% after deductible
    • Out-of-network**: 35% or more after deductible
 

➖ Deductible

The Healthy Savings Plan has one annual deductible that combines both medical and prescription drug costs.

  • Medical and Rx deductible (combined):
    • In-network: $1,750/self*; $3,500/family*
    • Out-of-network: $3,500/self*; $7,000/family*

*Considerations for “self” and “family” are different for the Healthy Savings Plan than for the Custom Network Plan and PPO Plan. Visit the glossary for details.

 

🧾 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: $3,500/self*; $7,000/family*
    • Out-of-network**: $7,000 or more/self; $14,000 or more/family*

*Considerations for “self” and “family” are different for the Healthy Savings Plan than for the Custom Network Plan and PPO Plan. Visit the glossary for details.
** Please refer to the Summary Plan Description (SPD) for additional details on allowable/eligible expenses when using an out-of-network provider.

 

For a printable version, download the Plan Information and Comparison handout (375KB, PDF), which features a comparison chart and premium rates for the available insurance plans.


Making the Most of Your Plan

Click on a header to expand the selection and uncover additional information.

💳 Consider a Health Savings Account

If you enroll in the Healthy Savings Plan, you may be eligible to sign up for a Health Savings Account (HSA) to help cover your health care expenses. The University even contributes funds to a Health Savings Account for eligible employees. Visit the understanding your HSA webpage to learn more.

 

📋 Rx Cost Estimator

To estimate prescription costs, visit Express Script's prescription cost estimator tool (exit UM System site) for UM System medical plans. Select the plan year and health plan you wish to review; then, select "price a medicine" and type in the medicine's name. You will be prompted to select the strength, form, quantity and frequency for the prescription to estimate the cost covered by the plan and the cost to you.

 

🏥 Network Providers

You may choose to visit either in-network or out-of-network physicians and other providers. Your costs will be lower, however, when you select in-network providers. Provider directories may be accessed on the plan contacts webpage.

 

💻 Virtual Visits

Virtual visits are also available to you. Virtual visits let you see and talk to a doctor from your mobile device or computer without an appointment, any time. Visit the virtual visits webpage to learn more.

 

🎗 Preventive Care and Special Health Topics

Preventive Care

Many health plans include preventive care services, such as various screenings, vaccinations and well-woman visits, at no out-of pocket cost. Read about women's preventive healthcare or learn more about UHC's preventive care guidelines (exit UM System site).


Special Health Topics

Consult the following webpages for additional information on special health topics:

 

🏷 Discounts

Visit the health and wellness tools and discounts webpage to maximize your convenience and savings.

 

*In the event of a difference between this webpage and the plan document or summary plan description, the plan document and plan description prevail.

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Reviewed 2022-09-26

 

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