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.

How the Plan Works

You meet the annual deductible ($1,500 employee only, $3,000 family) for medical and prescription expenses.

Then, you pay a percentage of the cost of care based on where you seek care – Tier 1, Tier 2 or Tier 3. You also pay amounts above Reasonable & Customary cost for Tier 3 care.

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 every pay. You can elect to contribute more through pre-tax payroll deductions. See how it works.

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. Those employees include:

If you are over age 65, 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.

On this page
How the Plan Works
HSA Eligibility
Preventive Care Covered at 100%

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 2010 Schedule of Benefits for how the plan pays for preventive care and other covered services.