University Hospitals

The Consumer Select Plan combines comprehensive medical coverage with the ability to establish a Health Savings Account (HSA). An HSA is a tax-advantaged savings account designed to help you meet your plan deductible and save for health care expenses you may have now, and in the future, including during your retirement.
Click here to learn more about the HSA.

New Medical Plan Administrator for 2012

Beginning January 1, 2012, Apex Benefits Services will administer the UH medical plans.

How the Plan Works

You meet the annual deductible ($1,500 employee only, $3,000 family) for medical and prescription expenses for either Tier 1 (UHACO Network) or out-of-network.

Then, you pay a percentage of the cost of care based on where you seek care. You pay a copayment or coinsurance for prescription drugs.

If you reach the out-of-pocket maximum, the plan pays 100% of eligible expenses for the rest of the year.

Health Savings Account

You can use money in your HSA to pay your health care expenses – including the deductible and coinsurance. UH automatically contributes to your HSA. You can elect to contribute more through pre-tax payroll deductions.
See how it works.

In 2012 :

Coinsurance of 10% after the deductible will apply to Tier 1 UHACO in-network services, except preventive care.
Annual out-of-pocket maximum for in-network care – $1,000 individual/$3,000 family – is new.
The annual out-of-pocket maximum for out-of-network care is increasing to $10,000 individual/$20,000 family.

HSA Eligibility

Although the Consumer Select Plan is available to all eligible employees, some employees may not be eligible to contribute to the HSA or receive UH contributions:

If you are eligible for Medicare, you can continue to use funds in the HSA, but you can no longer make contributions or receive employer contributions.
If you participate in another plan that does not meet IRS requirements for a High Deductible Health Plan, you are not eligible for the HSA.
If you are enrolled in a health care Flexible Spending Account (other than the UH Consumer Select FSA) at any time during the plan year, you are not eligible to contribute to an HSA.

The HSA and Consumer Select Plan Flexible Spending Account (FSA)

Based on IRS rules, you cannot participate in a traditional health care FSA when you enroll in the Consumer Select Plan, since you will use your HSA to pay for qualified health care expenses, including dental and vision, on a pre-tax basis. You can participate in the Consumer Select Plan Health Care FSA and use it to reimburse yourself for dental and vision expenses only. Unlike the FSA, money left in the HSA at the end of the year will carry forward each year.

On this page
How the Plan Works
HSA Eligibility
Preventive Care Covered at 100%
The HSA and Consumer Select Plan Flexible Spending Account (FSA)

Preventive Care
Covered at 100%

The Consumer Select Plan covers preventive care services, such as physical exams, eye exams, immunizations, and screenings, at 100% if you seek care from an in-network provider. The deductible does not apply, and you do not have to use any of your HSA funds to pay for these services.

You must obtain preventive care services from an in-network primary care doctor, which can include family practice, internal medicine, OB/GYN, and pediatric physician, plus certified nurse midwife, family nurse practitioner, women’s health care nurse practitioner, and certified nurse practitioner.

See the Schedule of Benefits for how the plan pays for preventive care and other covered services.

2011 Schedule of Benefits

If you live inside the UHACO Service Area, click here.
If you live outside the UHACO Service Area, click here.

2012 Schedule of Benefits

If you live inside the UHACO Service Area, click here.
If you live outside the UHACO Service Area, click here.