UnitedHealthOne - Plan 80 Plan Benefits
| Plan Feature | In-Network |
| Deductible Maximum 2 per family, per calendar year |
$1,500 single / $3,000 family $2,500 single / $5,000 family $5,000 single / $10,000 family $7,500 single / $15,000 family $10,000 single / $20,000 family |
| Coinsurance Choices The level of coverage provided by the plan after the calendar year Deductible has been satisfied. |
You pay 20% |
| Coinsurance Out-of-Pocket Maximum In-network, per person, per calendar year, after deductible. |
$3,000 |
| Lifetime Maximum Benefit | $3 million per person ($5 million plan enhancement available) |
| Initial Rate Guarantee | 12 Months (24 months plan enhancement available) |
| Physicians (illness and injury) | |
| Office Visits Primary Care or Specialist |
You pay 20% after deductible |
| Wellness/Preventive Care Benefits 3 month waiting period, not subject to deductible unless otherwise indicated |
|
| Doctor Office Visit Adult or child, in-network only. |
You pay 20% after deductible |
| X-Ray and Lab In conjunction with the preventive office visit, performed in doctor's office or network facility. |
You pay 20% after deductible |
| Child Immunizations Ages 0-18. |
You pay 20% after deductible |
| Preventive Mammorgram, Pap Smear, PSA screening No waiting period. |
You pay 20% after deductible |
| Outpatient Expense Benefits | |
| X-Ray and Lab Performed in doctor's office or a network facility. |
You pay 20% after deductible |
| Facility/Hospital for Outpatient Surgery | You pay 20% after deductible |
| Surgeon, Assistant Surgeon, and Facility Fees | You pay 20% after deductible |
| Hemodialysis, Radiation, Chemotherapy, Organ Transplant Drugs, and CAT Scans, MRIs | You pay 20% after deductible |
| Emergency Room Fees - Illness | You pay $100 copay if not admitted, then 20% after deductible |
| Emergency Room Fees - Injury | You pay 20% after deductible |
| Spine and Back Disorders CAT scan and MRI tests not subject to this limitation. |
You pay 20% after deductible (Limited benefit) |
| Mental and Nervous Disorders Including substance abuse. |
You pay 20% after deductible (Limited benefit) |
| Other Outpatient Expenses | You pay 20% after deductible |
| Inpatient Expense Benefits | |
| Room and Board, Intensive Care Unit, Operating Room, Recovery Room, Prescription Drugs, Physician Visit, and Professional Fees of Doctors, Surgeons, and Nurses | You pay 20% after deductible |
| Other Inpatient Services | You pay 20% after deductible |
| Prescription Drug Benefit | You Pay |
| Preferred Price Card You pay for prescriptions at the point of sale at the lowest discounted price available, and submit a claim to UnitedHealthcare/Golden Rule. Or Discount Card You may obtain Rx drugs at an average savings of 20-25%. Discounts vary by pharmacy, geographic area, and drug. |
Preferred price card, no charge after deductible (Copay Card plan enhancement available) |
| Annual Maximum Covered expense, per person per calendar year. |
$3,000 |
| READ YOUR POLICY CAREFULLY; This outline of coverage provides a brief description of the important features of the Policy. This is not the insurance contract, and only the actual Policy provisions will control. The Policy itself sets forth in detail the rights and obligations of both you and your insurance company. It is, therefore, important that you READ YOUR POLICY CAREFULLY! | |
