Insurance
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.
Discounts
Visit the health and wellness tools and discounts webpage to maximize your convenience and savings.
2020 Healthy Savings Plan
Premiums
|
Healthy Savings Plan- Monthly premiums for active employees, 2020* |
|
|---|---|
| Coverage level | Employee cost |
| Self only | $44 |
| Self and spouse | $154 |
| Self and child(ren) | $129 |
| Self, spouse, and child(ren) | $254 |
Deductible
The Healthy Savings Plan has one deductible that combines both medical and prescription drug costs.
|
Healthy Savings Plan- Annual deductibles, 2020 |
||||
|---|---|---|---|---|
| In-network | Out-of-network | |||
| Medical and Rx (combined) | $1,500/self*; $3,000/family* | $3,000/self*; $6,000/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 one out-of-pocket limit that combines both medical and prescription drug costs.
|
Healthy Savings Plan- Annual out-of-pocket limits, 2020 |
||||
|---|---|---|---|---|
| In-network | Out-of-network** | |||
| Medical and Rx (combined) | $3,000/self*; $6,000/family* | $6,000 or more/self*; $12,000 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.
Prescription drugs
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.
|
Healthy Savings Plan-Prescription drug out-of-pocket cost, 2020 |
||||
|---|---|---|---|---|
| In-network | Out-of-network | |||
| Prescription drug: Retail (formulary generic, formulary brand, or non-formulary brand) | 10% after deductible | 30% or more after deductible | ||
| Prescription drug: Mail (formulary generic, formulary brand, or non-formulary brand) | 10% after deductible | 30% or more after deductible | ||
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.
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 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
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).
- 2020 Healthy Savings Plan Summary of Benefits and Coverage (SBC)
- 2020 Healthy Savings Plan Summary Plan Description (SPD) Please note that, except for the specific information pertaining to the allowable/eligible expenses when using an out-of-network provider, information in the 2020 SPD for each plan may vary from information in the 2019 SPD. View all available SPDs.
- Medical claim form
- 2020 preferred prescription drug formulary
- 2020 specialty drug list
- Prescription FAQs
- Understanding your HSA
- Special health topics (such as behavioral health, diabetes and preventive care)
- Full list of forms and guides about medical insurance…
*In the event of a difference between this webpage and the plan document or summary plan description, the plan document and plan description prevail.
Reviewed 2020-05-15
