Healthy Savings Plan
Insurance
The Healthy Savings Plan is available to all benefit-eligible faculty and staff, as well as non-Medicare-eligible retirees and dependents. 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.
2019 Healthy Savings Plan | 2018 Healthy Savings Plan
2019 Healthy Savings Plan
Premiums
|
Healthy Savings Plan- Monthly premiums for active employees, 2019* | |
|---|---|
| Coverage level | Employee cost |
| Self only | $43 |
| Self and spouse | $145 |
| Self and child(ren) | $119 |
| Self, spouse, and child(ren) | $235 |
*Premiums for retirees vary according to a formula based on years of service and other factors. For an idea of what premiums would be for your particular circumstances, use the Retiree Insurance Premiums Estimator.
**Earn a discount on UM System medical insurance premiums by certifying that you and family members covered by your insurance plan are tobacco free or in a cessation program. Learn more.
Deductible
The Healthy Savings Plan has one deductible that combines both medical and prescription drug costs.
|
Healthy Savings Plan- Annual deductibles, 2019 | ||||
|---|---|---|---|---|
| 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, 2019 | ||||
|---|---|---|---|---|
| In-network | Out-of-network | |||
| Medical and Rx (combined) | $3,000/self*; $6,000/family* | $6,000/self*; $12,000/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.
Prescription drugs
|
Healthy Savings Plan-Prescription drug out-of-pocket cost, 2019 | ||||
|---|---|---|---|---|
| In-network | Out-of-network | |||
| Prescription drug: Retail (formulary generic, formulary brand, or non-formularly brand) | 10% after deductible | 30% after deductible | ||
| Prescription drug: Mail (formulary generic, formulary brand, or non-formularly brand) | 10% after deductible | 30% 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.
Retirees do not receive University contributions toward an HSA, but you may set up an HSA account if you are not enrolled in another insurance plan, including Medicare. If you meet the eligibility requirements, you may contribute your own after-tax money to the HSA.
Network providers
You may choose to visit either in-network or out-of-network doctors 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.
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).
- 2019 Healthy Savings Plan Summary Plan Description (SPD)
- 2019 Healthy Savings Plan Summary of Benefits and Coverage (SBC)
- 2019 Retiree Healthy Savings Plan Summary Plan Description (SPD)
- 2019 Retiree Healthy Savings Plan SBC
- Medical claim form
- 2019 preferred prescription drug formulary
- 2019 specialty drug list
- Prescription FAQs
- Understanding your HSA
- 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.
2018 Healthy Savings Plan
Premiums
|
Healthy Savings Plan- Monthly premiums for active employees, 2018* | ||
|---|---|---|
| Coverage level | Employee cost | Employee cost |
| Self only | $38 | $88 |
| Self and spouse | $126 | $176 |
| Self and child(ren) | $100 | $150 |
| Self, spouse, and child(ren) | $198 | $248 |
*Premiums for retirees vary according to a formula based on years of service and other factors. For an idea of what premiums would be for your particular circumstances, use the Retiree Insurance Premiums Estimator. Long term disability recipients should contact the HR Service Center regarding premiums.
**Earn a discount on UM System medical insurance premiums by certifying that you and family members covered by your insurance plan are tobacco free or in a cessation program. Learn more.
Deductible
The Healthy Savings Plan has one deductible that combines both medical and prescription drug costs.
|
Healthy Savings Plan- Annual deductibles, 2018 | ||||
|---|---|---|---|---|
| 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, 2018 | ||||
|---|---|---|---|---|
| In-network | Out-of-network | |||
| Medical and Rx (combined) | $3,000/self*; $6,000/family* | $6,000/self*; $12,000/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.
Prescription drugs
|
Healthy Savings Plan-Prescription drug out-of-pocket cost, 2018 | ||||
|---|---|---|---|---|
| In-network | Out-of-network | |||
| Prescription drug: Retail (formulary generic, formulary brand, or non-formularly brand) | 10% after deductible | 30% after deductible | ||
| Prescription drug: Mail (formulary generic, formulary brand, or non-formularly brand) | 10% after deductible | 30% 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.
Retirees do not receive University contributions toward an HSA, but you may set up an HSA account if you are not enrolled in another insurance plan, including Medicare. If you meet the eligibility requirements, you may contribute your own after-tax money to the HSA.
Network providers
You may choose to visit either in-network or out-of-network doctors 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.
Preventive care
Many health plans include preventive care services, such as various screenings, vaccinations, and well-woman visits, at no out-of pocket cost. Learn more about UHC's preventive care guidelines (exit to UHC website).
- 2018 Healthy Savings Plan Summary Plan Description (SPD)
- 2018 Healthy Savings Plan Summary of Benefits and Coverage (SBC)
- Medical claim form
- 2018 preferred prescription drug formulary
- 2018 specialty drug list
- Prescription FAQs
- Understanding your HSA
- 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 September 26, 2018.
Woodrail Centre
1000 W Nifong
Building 7 - Suite 210
Columbia, MO 65211-8220
(573) 882-2146
(800) 488-5288
Insurance & discounts
Employee support
Compensation
Retirement
Wellness
- Wellness incentive
- Be active
- Eat well
- Work-life fit
- Work healthy
- Empower & appreciate
- Million Step Pedometer Program
- More…
Strategic initiatives
Self service
Plan contacts
- (exit Total Rewards website)
- ASI Flex
- Delta Dental
- Express Scripts
- EyeMed
- Fidelity
- OptumBank
- TIAA
- UnitedHealthcare
- All contacts…