Healthy Savings Plan

  2019 Healthy Savings Plan  

Premiums

*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.

Deductible

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

*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.

*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

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.

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.

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).

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