Retiree Medical Insurance
PRE-MEDICARE Medical Plans:
UHC Choice
The Choice Plan is a network-based medical plan that covers in-network services only. Non-emergency
services rendered outside of the network are not covered. However, true emergency services are always covered in full.
To access care, you simply select an in-network provider; there is no need to select a Primary Care
Physician or to obtain a referral. It’s as simple as visiting a practitioner from UHC’s nationwide network and for most services paying your office copayment. Since services are rendered within the network, you are not responsible for handling paperwork, including claims and pre-notifications. Remember, you have access to a national network – your coverage spans from coast to coast.
In addition to comprehensive benefits, under this plan – you may receive:
• In-network fertility benefits
• Hair prosthetic
• Hearing aids and testing for adults and children
• No annual deductible and 100% coverage after small copayments, $25 for PCP visits, $35 for
specialist visits, $100 for outpatient, hospital visits, and $200 for inpatient stays
• $25 in-network routine eye exam, once every 24 months
UHC Choice Plus - BUFF
The Buff Plan is designed to give you freedom and flexibility. You have the ability to visit your doctor of
choice. When using a participating provider, you receive greater benefits, but coverage is also available for doctors and facilities that do not participate in the UHC network. The national network is always at your fingertips! There’s no requirement to select a Primary Care Physician or to obtain referrals for specialty care, you simply select your health care provider of choice and benefits will be determined based on the status of the provider selected.
Please remember that services received with a participating provider are covered in full after a $25
copayment (or $35 copayment for specialist). Services rendered in a network facility are subject to 10% coinsurance. Most out-of-network services are covered at 70% of allowable charges.
In addition to comprehensive benefits, this plan offers:
• A low annual in-network deductible - $300 per individual, $600 per family
• In-network fertility benefits
• Hair prosthetic
• Hearing aids and testing for adults and children
• Small copayments for PCP and Specialty care ($25/$35)
• The freedom to use non-network providers
UHC Choice Plus - BLUE
The Blue Plan continues to give you freedom of choice for your health care needs, eliminating referrals and the need to select a Primary Care Physician. The ability to select a network provider from our national network or non-network providers remains in your hands. In-network copayments for most services are $25 (or $35 for specialty care). Most out-of-network services are covered at 70% of allowed charges.
After meeting an annual deductible of $750 per individual or $1,500 per family, most services are covered with either a simple copayment or coinsurance.
This comprehensive plan also includes:
• $25 in-network routine eye exam, once every 24 months
• Freedom to use non network providers
• Low coinsurance
• Small copayments for services rendered in-network ($25 PCP/ $35 Specialist)
MEDICARE Medical Plan
UHC BLUE 65 – PPO
The Blue 65 - PPO Plan also gives you the freedom to see your provider of choice. With a $100 individual deductible and $300 family deductible, care is covered at 80% of the allowed amount.
However, as a supplemental plan for those retirees with both Medicare Part A and Part B, you will see
very little out of pocket costs, if any.
Useful Resources:
Click Here UHC Choice SPD
Click Here UHC Choice Plus BLUE SPD
Click Here UHC Choice Plus BLUE SPD 65
Click Here UHC Choice Plus BUFF SPD
Click Here to View Forms
Click Here for Vendor Contact Information
Click Here to View FAQs
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