2023 EMPLOYEE BENEFITS - YOUR GUIDE TO BENEFITS ENROLLMENT - BEHEALTHYTHR.ORG
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Your Guide to Benefits Enrollment 2023 Employee Benefits
Table of Contents
3 Enrolling in Benefits 23 Short Term Disability
4 Medical 24 Long Term Disability
10 Prescription Drug Coverage 25 Supplemental Benefit Plans
26 Legal Insurance
12 How to Use Your Medical Plan
27 Other Benefits
14 Health Savings Account (HSA)
28 Free Benefits
15 Dental
29 Covering Family Members
17 Vision
Making Changes After
Health Care Flexible 30
18 Enrollment
Spending Account
31 Benefit Costs Per Paycheck
Childcare Subsidy and Day Care
20
Flexible Spending Account 35 Quick Links
21 Life and AD&D
“Movement is a medicine for
creating change in a person’s
physical, emotional, and
mental states.”
– Carol Welch
22023 Benefits Enrollment
WHEN CAN I ENROLL?
• If you are a new hire, you have 14 days starting on your hire date to enroll in benefits.
• If you have a status change (meaning you go from not being eligible for benefits to a benefits-eligible
position), you have 31 days from the date of your status change to enroll in benefits.
• If you have a qualified life change (such as marriage, divorce, or birth of a child), you have 31 days
from the event date to enroll in or make changes to your benefits. (Note: If your event qualifies
for Special Enrollment Rights, you may have more than 31 days due to COVID-19 regulations.
See BeHealthyTHR.org for details.)
HOW DO I COMPLETE ENROLLMENT?
To get started with online enrollment, log on to MyTHR.org and click the Benefits tile. Note: In order
to log in to MyTHR.org when you are not onsite at a Texas Health facility, you will need to complete
Multi-Factor Authenticator (MFA) Registration. Instructions to do so are located at the top of the
MyTHR.org website.
WHAT DO I NEED TO BE THINKING ABOUT?
Here are some questions to ask yourself when thinking about benefits:
• What family members do I need to cover?
• Which medical plan option works best for me and my family?
• If I enroll in a high deductible health plan, am I prepared to pay for all health care services including
prescriptions I receive until I meet the deductible?**
• When it comes to prescription drug coverage, do I need the High RX plan or the Low RX plan?
• Does my family need dental or vision coverage?
• What type of coverage do we need to provide some financial protection in case of serious illness,
injury, or death?
• Do I want to participate in a plan that helps me pay for dependent day care with a Childcare Subsidy
(provided by Texas Health) and/or by allowing me to to contribute pre-tax money?
• Do I want to participate in a plan that helps me pay for health care expenses by letting me
contribute pre-tax money?
• Do I want to use some of my future paid time off to help pay my benefit premiums?*
* Executives, medical residents/interns/fellows, physicians, and mid-level providers employed by THPG are not eligible for PTO or PTO Conversion.
** See page 5 for more details on how the plan options work.
Questions?
If you have questions about a benefit or enrollment, contact the Benefits
department. Email THRBenefitsSupport@texashealth.org or call 1-877-MyTHRLink
(1-877-698-4754), prompt 9, Monday through Friday, 8 a.m. to 5 p.m.
3Medical
SELECTING THE RIGHT MEDICAL OPTION IS A THREE-STEP PROCESS
1. Know who you’re 2. Pick a medical 3. Pick a prescription
covering. plan option. drug option.
Learn more about Pages 5-8 can help you Choose High or Low
eligible dependents decide based on the coverage. See pages 10-11
on BeHealthyTHR.org. network and costs. for details.
Each of these choices affects the amount that comes out of your paycheck and what you pay when you need care.
YOUR OPTIONS
You can choose from three medical plan options. Each of the plan options is named after its deductible, which is
the amount you have to pay before the plan shares costs with you.
• Quantum Care 750 * High Deductible Health Plans don’t pay any
portion of your medical expenses
• UnitedHealthcare Choice 1000 (unless they are preventive) or prescriptions
until you pay your full deductible.
• UnitedHealthcare Choice 2500 (High Deductible Health Plan*)
“You’ll never change
your life until you
change something you
do daily. The secret of
your success is found in
your daily routine.”
– John C. Maxwell
4Quantum Care 750 Highlights
The Quantum Care model specializes in early intervention and support for employees
and families going through a diagnosis. Clinicians provide support, guidance, resources,
and tools to make members’ health care journeys as smooth as possible.
Quantum Care 750 is administered by a Third-Party Administrator (TPA)
called Allegiance (owned by CIGNA). However, if you are enrolled in this plan,
To learn how
your medical coverage will be managed through Quantum. You may see
to find a doctor
either vendor name (Allegiance or Quantum) throughout your care.
or facility in the
Note that the network for the Quantum Care 750 plan is through Cigna.
CIGNA or UHC
network, refer
UHC Choice Plan Highlights to page 13 of
this guide.
(Both UHC 1000 and UHC 2500 options)
Musculoskeletal Support Program
Kaia provides support for those with a musculoskeletal diagnosis by providing
education, training, and stress relief options.
Real Appeal
This free weight loss and healthy living program can help you take small steps leading to big results.
Neonatal Resource Service
UnitedHealthcare NICU nurses provide inpatient and telephonic support to help coordinate discharge
planning and care of NICU babies for at least the first six months of their lives.
Additional Programs
• Second Opinion Services for musculoskeletal, cardiac, GI, and women’s health diagnoses are
available, free of charge, through 2nd.MD. These services provide you with a second opinion of your
diagnosis from a board-certified medical expert.
• Health Advocate helps you figure out how to use your insurance and get care 24/7.
• Total Health Nurses helps you understand your complex and chronic condition and get the best care.
• The Transition Support Program provides support from the time you learn you need to be admitted to
a hospital until after you get home.
• Mental health and substance use disorder care must be coordinated through United Behavioral
Health (UBH).
You can learn more about all of these programs on BeHealthyTHR.org.
5Quantum Care 750 or
UHC Choice 1000/2500
Your Pathway to Care
Quantum Care 750 specializes in early intervention
and support for employees and families going
through a new diagnosis. Your trip is front loaded
with care options for the long journey.
UHC Choice 1000/2500 options specialize in high-touch
care for employees with inpatient stays by sending nurses
to the bedside or to doctors’ offices to assist in some of
life’s most challenging moments.
6Compare Medical Plan Options
The amounts listed below are costs paid by you.
EPO HIGH DEDUCTIBLE
PLAN OPTIONS HEALTH PLAN OPTION
UHC Choice UHC Choice
Quantum Care 750
Plan 1000 Plan 2500
Network Details Cigna Open
UHC UHC
Access Plus Cigna Open
Choice Network UHC Choice Choice Network UHC
Network Access Plus
Preferred Network Preferred Choice Network
Preferred Network
Hospitals Hospitals
Hospitals
Deductible
$750 individual $3,500 individual $1,000 individual $4,000 individual $2,500 individual* $4,000 individual*
$2,250 family $10,500 family $3,000 family $12,000 family $4,500 family $12,000 family
Medical and RX $6,850 individual $6,750 individual
Out-of-Pocket
Maximum1 $13,700 family $13,500 family
Office Visits $30 copay for PCP
Full deductible, then 10%
$50 copay for specialist
Maternity Office $30 copay for initial office visit; Full deductible, then 10% for initial
Visits no cost for additional visits office visit; no cost for additional visits
Urgent Care
$50 copay Full deductible, then 10%
Center
Outpatient Preferred Hospital: Preferred Hospital:
Surgery2 10% after deductible Full deductible, then 10%
Non-Preferred Hospital: Non-Preferred Hospital:
70% after deductible Full deductible, then 70%
Routine
$0
Physicals3
Well Woman/
$0
Man Exams3
Well Child Care3 $0
Colonoscopy3 $0
Mammography4 $0
* The UHC Choice 2500 plan option has a non-embedded deductible. This means the family deductible must be paid out-of-pocket
before the plan starts paying for health care services for any individual member.
7Medical Plan Options, continued
EPO HIGH DEDUCTIBLE
PLAN OPTIONS HEALTH PLAN OPTION
UHC Choice UHC Choice
Quantum Care 750
Plan 1000 Plan 2500
Outpatient
Diagnostic Lab & Preferred Hospital:
X-ray2 Preferred Hospital: 10% after deductible Full deductible, then 10%
Non-Preferred Hospital: 70% after deductible Non-Preferred Hospital:
Full deductible, then 70%
MRI, CT & PET Preferred Hospital:
Scans2 Preferred Hospital: 10% after deductible Full deductible, then 10%
Non-Preferred Hospital: 70% after deductible Non-Preferred Hospital:
Full deductible, then 70%
Outpatient Preferred Hospital: $30
Therapy5 Full deductible, then 10%
Non-Preferred Hospital: $50
Inpatient Preferred Hospital:
Hospital Care Preferred Hospital: 10% after deductible Full deductible, then 10%
Non-Preferred Hospital: 70% after deductible Non-Preferred Hospital:
Full deductible, then 70%
Virtual Care
$0 $0 after deductible
Services6
Emergency
$200 copay, then 10% after deductible Full deductible, then 10%
Room
Savings and Health Savings Account (HSA):
Spending Employees may contribute up to
Accounts the IRS maximum limit of $3,850
(employee only coverage) or $7,750
Health Care Flexible Spending Account: Employees may contribute up to (employee + family coverage).7 If you
the IRS maximum limit of $2,850. See details on page 18. are or will be 55 or older in 2023, you
may contribute an additional $1,000.
The HSA comes with per pay period
employer contributions. See details
on page 14.
Prescription You pay the full cost of your
Drugs prescription drugs until you reach your
You pay copays and coinsurance. See details on pages 10-11.
deductible, then applicable copays.
See details on pages 10-11.
1 Maximum includes deductible, coinsurance, and copays for medical care and prescriptions.
2 When your doctor requests tests or services such as lab work, X-rays, MRIs, CT scans, physical therapy, or rehabilitation at a free-standing facility that isn’t affiliated with a
hospital, you should check to make sure they are in-network, and check the coinsurance level of that facility on your plan. Services performed at Preferred Hospitals or at
a free-standing facility unaffiliated with a hospital are covered at 90% after deductible, while care at Non-Preferred hospitals is only covered at 30% after the deductible.
Check with your insurance carrier to verify whether a facility and/or doctor is covered under your plan and to learn how much your coinsurance would be.
3 Well exams are covered in full if the claims administrator determines the physical is for preventive care. Additional screenings or services will be considered diagnostic
services and will be covered after you pay the applicable copay or deductible and coinsurance. At the time of your preventive care visit, if other services are performed
that are not preventive services, as determined by the claims administrator, they will not be paid at 100% even if they are submitted as part of a claim for preventive care.
4 One per year is covered. You pay the coinsurance for additional mammograms.
5 Up to a combined total of 60 visits per year are covered for outpatient physical, occupational, and speech therapy. Pulmonary and rehabilitation services are covered up
to 20 visits. Up to 36 cardiac rehabilitation visits are covered.
6 Normal office visit copays apply for Behavioral Health Virtual Visits.
7 For the purposes of HSA enrollment, Employee + Family coverage includes Employee + Spouse, Employee + Children, or Employee + Family coverage.
8MORE DETAILS ON MEDICAL PLAN COSTS
• Under the UHC Choice 2500 option, you pay the most when you need care because it is a High Deductible
Health Plan option. Other than preventive care like checkups, this plan doesn’t pay any portion of your bill or
prescriptions until you pay your full deductible.
• Under the Quantum Care 750 and UHC Choice 1000 plan options, you pay a set amount (called a copay)
for things like doctor and urgent care visits without needing to meet your deductible first. When you need
hospital care or MRIs, CTs, or PET scans, you must pay your deductible before the plan pays part of the bill
(called coinsurance).
• After you meet your deductible on any of the plans, your coinsurance payment depends on the facility
you choose.
– You pay 10% at Preferred Hospitals (a select list of hospitals where the plan pays the most for care,
meaning you pay the least) and 70% at all other in-network hospitals (hospitals that are covered in
the UHC or Cigna network through Quantum but are not on the Preferred Hospital list). You pay the
full cost if you go out of network.
MORE DETAILS ON MEDICAL PLAN COVERAGE
All plans cover and support things like:
Infertility Coverage Applied Behavior Analysis (ABA)
Infertility coverage is covered.
Therapy
ABA therapy to treat Autism Spectrum
Disorder is covered and will be supported by
each medical provider through a condition
management program. Please contact
Gender Reassignment Quantum or UHC before seeking treatment.
Gender reassignment is
covered.
DispatchHealth
DispatchHealth enables you to get urgent
care in the convenience of your own home.
Visit dispatchhealth.com for eligible ZIP
Virtual Visits codes and details on services.
Get a doctor’s care for
minor illnesses 24/7 by video
chat. The doctor can send Maternity Support Program
a prescription to your local
pharmacy. Get ongoing support for a pregnancy with
the Maternity Support Program and receive
Note: Behavioral Health Virtual a $100 Be Healthy reward for completing
Visits are separate and available the program.
at normal office visit costs.
9Prescription Drug Coverage
Prescription Drug Coverage
WHAT ARE YOUR OPTIONS?
WHAT ARE YOUR OPTIONS?
After you choose a medical plan option, choose the prescription drug coverage that works best for you. You have
two
Afteroptions to choose
you choose from:plan
a medical Lowoption,
RX or High RX. the prescription drug coverage through Caremark that works best
choose
for you. You have two options to choose from: Low RX or High RX.
• Less money out of your • More money out of
paycheck
• Less money out of your • your
Morepaycheck
money out of
• Higher cost at the
paycheck your paycheck
• Lower cost at the
pharmacy for preferred
• Higher cost at the 1 • Lower costfor
pharmacy at preferred
the
and non-preferred and non-preferred 1
pharmacy for preferred pharmacy for preferred
prescription drugs 1 prescription drugs 1
and non-preferred and non-preferred
Low RX prescription drugs High RX prescription drugs
Low RX High RX
HOW IT WORKS
HOW IT WORKS
UHC Choice 2500
Quantum Care 750 and the UHC
You payChoice
the FULL 2500
COST of your prescription drugs
Quantum Care 750Plan
andOptions
the untilpay
You youthe
reach your
FULL deductible.
COST of your prescription drugs
UHC Choice 1000
or until you
you pay
reach your deductible.
UHC
You payChoice
the copay1000 Plan Options
and coinsurance amounts After your deductible, your insurance benefits
or kick
shown
You paybelow.
the copay and coinsurance amounts Afterin,
youand you
pay paydeductible,
your the copay or coinsurance
your insurance amount
benefits
shown
kick in, below.
and youSee
paypage 5 for deductible
the copay amounts.
or coinsurance amount
shown below.
shown below. See page 7 for deductible amounts.
LOW RX2 RETAIL: 30-day supply HIGH RX2 RETAIL: 30-day supply
Generic LOW RX2 RETAIL: 30-day supply
$10 copay Generic HIGH RX2 RETAIL: 30-day supply
$10 copay
Generic $10minimum
40% ($20 copay and Generic $10minimum
25% ($20 copay and
Preferred Preferred
$150 maximum per prescription) $100 maximum per prescription)
40% ($20 minimum and 25% ($20 minimum and
Preferred Preferred
$15050%
maximum per prescription)
($40 minimum and $10040% ($40 minimum
maximum and
per prescription)
Non-Preferred1 Non-Preferred1
$300 maximum per prescription) $300 maximum per prescription)
50% ($40 minimum and 40% ($40 minimum and
Non-Preferred1 Non-Preferred1
$300 maximum per prescription) $300 maximum per prescription)
LOW RX2 MAIL ORDER: 90-day supply HIGH RX2 MAIL ORDER: 90-day supply
LOW
Generic RX2 MAIL ORDER:$20
90-day
copay supply
HIGH
Generic RX2 MAIL ORDER:$20
90-day
copay supply
Generic $20minimum
40% ($40 copay and Generic $20minimum
25% ($40 copay and
Preferred Preferred
$300 maximum per prescription) $200 maximum per prescription)
40% ($40 minimum and 25% ($40 minimum and
Preferred Preferred
$30050% ($80 minimum
maximum and
per prescription) 40%
$200 ($80 minimum
maximum and
per prescription)
Non-Preferred1 Non-Preferred1
$600 maximum per prescription) $400 maximum per prescription)
50% ($80 minimum and 40% ($80 minimum and
Non-Preferred1 Non-Preferred1
$600 maximum per prescription) $400 maximum per prescription)
1 Applies only when an exception approval has occurred
2 If you enroll in UHC Choice 2500 plan, you must pay the full cost of your prescriptions until you reach your deductible.
1 Applies only when an exception approval has occurred
2 If you enroll in UHC Choice 2500 plan, you must pay the full cost of your prescriptions until you reach your deductible.
10
1090-DAY REFILLS FOR MAINTENANCE MEDICATIONS
A maintenance medication is a prescription drug you take on a regular basis. The first two times you fill the
prescription, you may fill it at any pharmacy that is in-network. After that, you must get a 90-day supply through
Caremark’s mail order, at the retail pharmacy at Texas Health Presbyterian Hospital Dallas or Plano, or Texas Health
Resources Infusion, or at your local CVS or Target pharmacy. If you don’t, you will pay double the retail price after
the second time you fill the prescription.
STEPS TO TAKE FOR CERTAIN MEDICATIONS
The plan has rules and limitations for certain medications. See the list of covered prescription drugs at
caremark.com and check to see if these rules and limitations apply to a medication you are taking:
Prior Authorization means your doctor must call CVS/Caremark to discuss your condition to decide
whether it’s necessary for you to have a particular prescription drug instead of a lower-cost one.
Step Therapy means you must try a lower-cost prescription drug before one that has a higher cost will
be covered. If you try a lower-cost drug and it doesn’t work well for you, your doctor must contact
CVS/Caremark to discuss your situation.
Quantity Limit means only a certain amount of the prescription drug is approved for a 30-day or
90-day supply. If the approved dose doesn’t work for you, your doctor must contact CVS/Caremark to
discuss your situation.
ONLINE TOOLS
• Caremark updates the list of covered prescription drugs each quarter. Before you fill a prescription your
doctor has written for you, see if it’s on the list at caremark.com.
• At caremark.com, you can order prescription refills, set refill reminders, check drug costs, check the status
of your prescription order, check to see if your pharmacy is in-network, research drugs, view your past
prescriptions, and locate a pharmacy near you. You can also send an email to Caremark Customer Care if you
have questions.
TRANSFORM DIABETES CARE PROGRAM
The Transform Diabetes Care (TDC) program can assist with lifestyle choices, overall health, your medications,
and preventive screenings. Support in this program is ongoing and includes:
• Information about ordering and using your new connected devices
• Coaching and support calls when needed from a nurse to help you stay on track
• Communication with your doctor (only with your permission) to share results
If you take diabetes medications or are already enrolled in a diabetes program, you’ll automatically be enrolled
in TDC.
11How to Use Your Medical Plan
With just a little bit of effort, you can get the care that’s right for you and keep your costs down.
TIPS FOR HOLDING DOWN YOUR MEDICAL COSTS
Use free virtual care services: Choose in-network doctors and facilities. Under
Feeling sick and think you might need all medical options, only in-network doctors and
FREE
a prescription? Most medical plan facilities are covered. When it comes to facilities,
options come with free 24/7 service— it’s most cost effective for you to use Preferred
Virtual Care Services. Before choosing Hospitals, which are covered at 90%. Some facilities
care that may cost you more, consider are not covered at all, while some may be covered
if virtual visits will meet your needs. at only 30%.
To see a list of network doctors and hospitals,
Take advantage of Be Healthy
go to MyQHResource.com for Quantum and
programs: The best way to lower your
FREE WhyUHC.com/THR (click Health Plans, then
medical costs is to take great care of
select a plan option) for UHC plan options. Note:
yourself. Whether you want to improve
If you receive care from an in-network physician
your diet, lose weight, become more
at a Non-Preferred facility, that physician’s charges
active, or manage a chronic condition,
could be subject to the higher deductible related
there’s a Be Healthy program that can
to the hospital.
help. Visit BeHealthyTHR.org to learn
more about our wellness programs. Check your hospital bill. When you go to a hospital
for a procedure (such as surgery or childbirth), you
Check if prior authorization is needed:
may receive services from hospital-based physicians
Some procedures and surgeries require
that you are not aware you have received. For
prior authorization, which means your
example, if you have an MRI, you typically will not
claims administrator has to approve
meet the radiologist who interprets the results.
coverage before you get the service.
Check with your medical carrier For most patients with insurance, charges are often
(Quantum or UHC) before you considered out-of-network for services provided
schedule one. by hospital-based radiologists, anesthesiologists,
pathologists, and emergency physicians.
Ask your medical carrier: Anytime your Under all medical plan options, when you use an
doctor requests additional procedures or in-network hospital, Texas Health saves you money
services outside of your doctor’s office, by covering hospital-based physician services as
call your medical claims administrator in-network. Because most plans do not offer this
(Quantum or UHC) before you get the same advantage, these claims are often processed
service to verify how much the plan will incorrectly. When you receive your explanation
pay. Most of the time, your doctor’s office of benefits from your medical carrier, you should
doesn’t know your costs are higher at carefully check your hospital charges to be sure
certain locations where they normally send you are not being charged out-of-network rates for
patients. these services. If you believe your bill is inaccurate,
call your claims administrator (Quantum or UHC)
and ask for a review of the claim.
12• I need to find a doctor in my network. Your Claims
• I don’t think this bill is right. Administrator Can Help
• I need help with my complex medical Call 1-877-MyTHRLink
condition or a new diagnosis.
Press 2 for Health & Welfare. Then press 1 for
Quantum or prompt 2 for UHC.
CONTACT INFORMATION/RESOURCES
Quantum UHC
1-877-698-4754, prompt 2, press 1 1-877-698-4754, prompt 2, press 2
MyQHResource.com myUHC.com (for employees with
active coverage)
To find a doctor or facility in the Cigna To find a doctor or facility in the UHC
Open Access Plus Network through Quantum: Choice network:
• Visit MyQHResource.com. • Visit WhyUHC.com/THR.
• Under Find Provider, select Cigna Open • Click Health Plans.
Access Plus Provider Search.
• Select a plan option.
To get the most up-to-date information,
please contact Quantum Care Coordinators To get the most up-to-date information,
at 1-877-MyTHRLink (1-877-698-4754), please contact UHC customer service
prompt 2, press 1. at 1-877-MyTHRLink (1-877-698-4754),
prompt 2, press 2.
“It’s up to you today to start
making healthy choices. Not
choices that are just healthy
for your body, but healthy for
your mind.”
– Steve Maraboli
13Health Savings Account (HSA)
For use with the UHC Choice 2500 High Deductible Health Plan only
The UHC Choice 2500 plan is paired with a Health Savings Account (HSA) administered by HealthEquity (formerly
WageWorks). The account comes with employer contributions ($19.23 per pay period for Employee Only or $38.46 for
Employee + Family* coverage) that will be added during the year, which you can save and/or use to help pay your medical
deductible or eligible health care expenses. You can look up eligible expenses at WageWorks.com.
WHAT IS AN HSA?
An HSA is an account you can use to pay for approved medical, prescription, dental, and vision expenses. You can use it
to pay out-of-pocket medical expenses during the year or save it for future health care expenses.
You also have the ability to contribute your own money to the account through payroll deductions. The amount you set
aside lowers your taxable income, so you pay less in federal income taxes. Unlike a health care spending account, HSAs
allow you to keep your balance at the end of the year. Your money is always yours, even if you leave Texas Health.
HOW HSAS WORK
You can contribute up to the IRS limit each year that you participate in an HSA-eligible plan. For 2023, that’s $3,850 for
an individual and $7,750 for a family. If you are or will be 55 or older in 2023, you may contribute an additional $1,000.
To participate in an HSA:
≠ HCFSA
• You must elect the UHC Choice 2500
plan option.
• You can’t be covered by a secondary
HSA
Health Savings Health Care Flexible
insurance plan (such as Medicare). Account Spending Account
• You can’t use a Health Care Flexible
Spending Account (HCFSA), a.k.a Health
HSA:
Care FSA. • Requires enrollment in UHC Choice 2500
• Comes with employer contributions to use throughout
HealthEquity (formerly WageWorks) offers the year
several ways to access your money: • Allows you to put in additional money that will come
out of your paycheck
• An online reimbursement process with
• Rolls over year to year
direct deposit or check option
• HSA debit card HCFSA:
• Smartphone app • Comes out of your paycheck
• Use it or lose it
Keep your receipts. You may need them to get
• Full funds available when benefits
reimbursed or to prove your purchases are are effective
eligible.
See the box on the right for differences NOTE: The IRS does not allow you to have both a Health Savings Account and
a Health Care Flexible Spending Account, meaning you cannot contribute to or
between an HSA and the Health Care Flexible
receive reimbursements from these accounts at the same time.
Spending Account.
* For the purposes of HSA enrollment, Employee + Family coverage includes Employee + Spouse, Employee + Children, or Employee + Family coverage.
14Dental
YOU HAVE THREE DENTAL PLAN OPTIONS
All are offered through Aetna and cover preventive care, basic care, major care, and orthodontia. The options include:
Aetna DMO Aetna PDN Low Aetna PDN High
SMALLER NETWORK LARGER NETWORK
(fewer choices of doctors (more choices of doctors
and facilities) and facilities)
For a list of Aetna dental network providers, go to aetna.com.
PAYCHECK COST
Aetna DMO
For the exact paycheck
amounts, see page 31.
Aetna PDN Low
Aetna PDN High
No ID Card Needed! Just tell the office your name, date of birth, and Member ID# (or your Social Security number).
If you would prefer to have a card, you may print one at aetna.com.
15WHAT’S COVERED
The table below shows how each plan covers dental costs and what each plan pays. See page 31 to find the
amount you will pay out of your paycheck. For more information, call Aetna at 1-877-MyTHRLink (1-877-698-4754),
prompt 2, press 4.
Aetna Managed Aetna PDN Aetna PDN
PLAN Dental Plan (Low Option) (High Option)
FEATURE (DMO) In-Network and In-Network and
In-Network Only Out-of-Network1 Out-of-Network2
Deductible None $50 per person $50 per person
$150 per family $150 per family
Preventive Care: One visit every six months for You pay a $5 copay You pay 10% You pay $0
routine checkups, X-rays, cleaning, and polishing
with no deductible
Basic Care: Fillings, extractions, root canal You pay a fixed copay You pay 40% You pay 20%
therapy, scaling of teeth, and basic oral surgery
according to the after deductible after deductible
plan’s schedule
Major Care: Bridges, dentures, crowns, inlays, You pay a fixed copay You pay 60% You pay 50%
onlays, and complex oral surgery
according to the after deductible after deductible
plan’s schedule
Maximum Annual Benefit No limit $1,000 per person $1,500 per person
Orthodontic Care3 You pay a $2,300 50% with no 50% with no
copay deductible; $1,000 deductible;
lifetime maximum $1,500 lifetime
maximum
1 For the PDN (Low Option), fees are based on Aetna’s fee schedule, so your out-of-pocket expenses will be higher than those under the PDN (High Option).
2 Dental PDN network providers agree to charge discounted rates for their services. Although the coverage is the same for in-network and out-of-network
care, out-of-network providers may charge higher fees than in-network providers, resulting in higher out-of-pocket expenses for you.
3 For eligible adults and dependent children. See the Aetna packet on BeHealthyTHR.org.
“To keep the body in good health is
a duty…otherwise we shall not be
able to keep the mind strong and
clear.”
– Buddha
16Vision
The Superior Vision plan pays benefits for annual exams and corrective lenses.
You can receive benefits for either eyeglasses or contact lenses in the same 12-month period, not both. The vision
plan pays more when you use in-network providers.
FEATURE IN-NETWORK OUT-OF-NETWORK
Plan pays up to $42 for
Covered in full after
Eye Exam ophthalmologist (M.D.)
$10 copay
or $37 for optometrist (O.D.)
Single vision — up to $32 allowance
Covered in full after Bifocal — up to $46 allowance
Standard Lenses
$10 materials charge
Trifocal — up to $61 allowance
Lenticular — up to $84 allowance
Standard Frames Up to $150 allowance Up to $53 allowance
Medically necessary — Medically necessary —
Contact Lenses covered in full up to $210 allowance
(per pair, in lieu of
eyeglasses) Cosmetic elective — Cosmetic elective —
up to $140 allowance up to $100 allowance
5% - 50% DISCOUNT:
Refractive Surgery – Lasik, Radial Keratotomy, or Photo-refractive Keratotomy (in-network only)
LEARN MORE
• Find network providers and learn about discounts at MyBenefits.MetLife.com.
• Order contact lenses online at contactsdirect.com/superiorvision.
For the cost you pay out of your paycheck, see page 31.
17Health Care Flexible Spending Account
With this benefit, you don’t pay income taxes on the money you use to pay for doctor visits,
prescription drugs, eyeglasses, and other eligible expenses.
HOW IT WORKS
1. Choose how much to put in your account each pay period before taxes are taken out of your check.
For the year, you can set aside as little as $130 or as much as $2,850.
2. Pay for eligible expenses:
• By using your HCFSA debit card or
• By using a credit card, check, or cash, then filing a claim at WageWorks.com and paying yourself back
with money from your account
3. Use the money in your account prior to March 15, 2024. Any money you don’t use, you lose, so
estimate carefully.
4. Submit claims for reimbursement by March 31, 2024.
HCFSA Q&A
Who can I spend the money on?
Spend the money on you, your legal spouse, or your children (as long as you claim the children on your federal tax
return). You don’t have to be enrolled in medical insurance with Texas Health to enroll and neither do the people you
are spending the money on.
What can I be reimbursed for?
When you pay out of your own pocket for health care (medical, dental, vision, and hearing), most of those
expenses are eligible. See WageWorks.com for examples.
Where can I use my HCFSA debit card?
Generally, you can use your HCFSA debit card at doctor’s and dentist’s offices, pharmacies, eyecare stores, etc.
as long as they accept Mastercard. The debit card should only be used to pay actual expenses, not estimated
expenses.
How much money can I take out of the account?
At any time during the year, you can pay bills or reimburse yourself from your HCFSA up to the full amount you
choose to put in for the whole year—even if you have not contributed that much to your account yet.
Do I need to keep my receipts?
Yes, you’ll need receipts and/or explanation of benefits (EOB) forms for filing claims and to show as proof if
HealthEquity sends you a Request for Documentation for your debit card purchases.
When is my last chance to use money in my account?
March 15, 2024, is the last day you can incur an expense (visit the doctor, pick up a prescription, etc.) and March 31,
2024, is the last date you can file a claim to pay yourself back.
18What happens if I don’t use all of the money?
You lose any money left in your account after March 31,
Remember, an HCFSA is NOT
2024, so plan carefully.
the same as an HSA.
What if I have questions? An HSA:
Call 1-877-MyTHRLink, prompt 2, press 6 or visit • Requires enrollment in
WageWorks.com. UHC Choice 2500
• Comes with employer
How is an HCFSA different from an HSA? contributions
The biggest difference between a Health Care Flexible
• Allows you to put in additional
Spending Account (HCFSA) and a Health Savings money that will come out of
Account (HSA) is that you may only contribute to an HSA your paycheck
if you are enrolled in a high deductible health plan (the • Rolls over year to year and
UHC Choice 2500 plan). earns interest, too
The next biggest difference is that you lose any money
An HCFSA:
you don’t use by the deadline with an HCFSA. With an
• Comes out of your paycheck
HSA, you always keep your money.
• Use it or lose it
The full amount of the HCFSA election is available to you
• Full funds available when
when your benefits become effective. HSA funds are
benefits are effective
available to you as contributed.
“Life is more
about consistency
than intensity.
Intensity steals the
limelight.”
– Angela Duckworth,
New York Times Best Seller
19Day Care Flexible Spending Account
Save money on your day care expenses by signing up for the Day Care Flexible Spending Account
(DCFSA). With this benefit, Texas Health adds funds per pay period on your behalf and you don’t pay
income taxes on any money you choose to contribute and use to pay for dependent day care.
HOW IT WORKS
IF YOU ARE: THE IRS MAX. AMOUNT ALLOWED
1. Choose how much to put in to your IN YOUR ACCOUNT IS:
account each pay period before taxes are Single $5,000
taken out. For the year, the total contribution
that can be made to the account is $5,000. Married $5,000, but no more than your
Texas Health will contribute $23.08 per pay filing a joint earned income or your spouse’s
tax return earned income, whichever is less
period, so be sure to calculate this into the
total you decide to contribute.
Married $2,500, but no more than your
2. Pay for eligible expenses by using a filing separate earned income or your spouse’s
credit card, check, or cash, filing a claim at tax returns earned income, whichever is less
WageWorks.com, and paying yourself back
Reminder: Make sure to account for Texas Health’s contribution
with money from your account.
when you determine how much you want to contribute.
To help with the cost of day care expenses, Texas Health will make a per
period contribution of $23.08 to the Day Care Flexible Spending Account
Childcare Subsidy for employees who elect the coverage. Employees must enroll in the Day
Care Flexible Spending Account to get the Texas Health contributions but
do not have to put their own money in the account.
DCFSA Q&A
Who can I spend the money on? How much money can I spend?
Spend the money on someone who lives with you You can spend as much as you have in your account
and relies on you for more than half of their financial when you submit a claim.
support and who is either:
When is my last chance to use money in
• A child under age 13 whom you claim on your
my account?
federal income tax return or
March 15, 2024, is the last day you can get eligible
• A disabled dependent of any age who lives with
day care, and March 31, 2024, is the last day you
you more than half the year
can file a claim to pay yourself back.
When can I use this benefit?
What happens if I don’t use all of the money?
Use the benefit when you pay for day care so you
You lose any money left in your account after
and your spouse (if you’re married) can work, look for
March 31, 2024, so plan carefully.
work, or study as a full-time student.
What types of care are eligible? What if I have questions?
• Care in your home, someone else’s home, or a Call 1-877-MyTHRLink, prompt 2, press 6 or visit
licensed day care center WageWorks.com.
• Care provided by a relative who is not your
spouse, child under age 19, or someone you
claim as a dependent on your tax return
20Life and AD&D
Term life insurance through Prudential pays money to whomever you choose if you should pass away. If you cover
your spouse and/or children, you receive a payment if they should pass away. As the name suggests, term life
insurance expires after a set amount of time or “term” which you can choose when you enroll.
Accidental death and dismemberment (AD&D) coverage pays money to whomever you choose if you have an
accident that causes death or serious injury. If you cover your spouse and/or children, you receive a payment if they
have an accident causing death or serious injury. See your Employee Benefits Handbook for details on what types
of accidents and injuries are covered.
HOW IT WORKS
Texas Health pays for your Basic Life Insurance and Basic AD&D, but you can enroll in additional coverage for
yourself or your eligible family members.
Who is Who Gets Who Pays Money to
Plan
Covered? the Money? the Cost? Be Paid Out
Basic Life Insurance You Whomever Texas Health One times your annual base
you choose pay, up to $50,000
(beneficiaries)
Additional Life You Whomever You You choose 1 to 6 times your annual
Insurance you choose base pay (rounded to the next $1,000),
(beneficiaries) up to $2,000,0001 including Basic
Life2,6
Spouse Life Insurance Your spouse You You You choose coverage in $10,000
increments, up to $50,0003,4
Child Life Insurance All of your eligible You You $10,000
children; coverage
begins at live birth
Basic AD&D You Whomever Texas Health One times your annual base
you choose pay, up to $50,000
(beneficiaries)
Additional AD&D You Whomever You You choose 1 to 10 times
you choose your annual base pay, up to $750,0006
(beneficiaries) including Basic AD&D
Family AD&D All eligible members You You If your covered spouse or
of your family child is injured or dies as a result
of an accident, you will receive
a benefit based on the extent of the
injury as shown in the table in your
Employee Benefits Handbook.
1 Medical underwriting or evidence of insurability is required for coverage delayed and subsequent claims will not be paid for the increased amount. The
over $1,000,000. increase in coverage will not start until the hospitalization or disability ends or
2 You may increase your coverage by only one level during the open until the employee returns to work.
enrollment period. 5 Eligible unmarried children can continue to be covered through age 24.
3 You may increase your spouse’s coverage by $10,000 during the open 6 If you are absent from work because of sickness or injury on the date your
enrollment period. The cost of coverage for your spouse is based on the Life and/or AD&D coverage (or increase in coverage) would otherwise
employee’s age as of Jan. 1, 2023. become effective, the effective date of your coverage (or increase in
4 If your dependent is hospitalized or disabled or if the employee is not actively coverage) will be deferred until you return to work.
at work at the time, a change or increase in the amount of coverage may be
21Tips for Choosing Who Gets Money From Your
Insurance Plans
Keep your information up to date. The people who may be paid by your plans are
called beneficiaries. If you marry or divorce or have another life change, review and
update your beneficiaries.
Prudential must pay your named beneficiary. Even if you have changed your will, that
won’t change who gets your insurance money. Keep your information up to date on
MyTHR.org.
Prudential cannot pay a child under age 18. If you want money to go to your children,
consider setting up a trust for them to receive the money. That way, your children
avoid unnecessary court expenses and headaches.
Update Life and AD&D beneficiaries anytime at MyTHR.org.
Select Benefits. Then, from your Benefits Summary, select the benefit for which you
want to add/change beneficiaries.
Update your 401(k) beneficiaries online at netbenefits.com/thr.
“Our bodies are our
gardens – our wills are
our gardeners.”
– William Shakespeare
22Short Term Disability
Short Term Disability (STD)* will pay benefits if you are unable to work because of an illness, injury,
or pregnancy. It replaces 60% of your base pay, up to $1,700 per week, if you enroll in this plan and
become disabled while covered.
You may choose between two coverage options:
Benefit Plan 14-Day Option 30-Day Option
Waiting Period
(How long you must be disabled 14 days 30 days
before receiving replacement pay)
Maximum number of weeks that
24 weeks 22 weeks
benefits will be paid
Premium Costs More than the Less than the
(see page 31) 30-day option 14-day option
WHAT TO KNOW ABOUT STD
You must be getting proper care for your condition from a licensed doctor who is not you or a
member of your family.
You may use Paid Time Off (PTO) while getting STD payments. However, your PTO and STD combined
cannot be more than 100% of your base pay.
If you get any payments from Social Security, auto insurance, etc., the total will be subtracted from
your STD benefit. STD does not cover work-related illnesses or injuries (which may be covered by
workers’ compensation).
If you have a condition or illness that started before you got your STD insurance, the plan may limit or
deny claims that you file related to that illness, unless you enrolled for the plan as a new hire.
You must have active disability coverage on the date you become disabled to receive benefits. If
you are absent from work due to illness or injury during the date your STD coverage would otherwise
become effective, coverage becomes effective after you are actively at work for one full day. The
requirement to be actively at work also applies to increases in coverage. Any changes to STD coverage
would take effect upon your return to work.
For more information on Short Term Disability, see your Employee Benefits Handbook.
* PRN, part-time benefits-ineligible employees, and medical resident/interns are not eligible for Disability plans. Executives are not eligible for
the STD plan.
23Long Term Disability
Texas Health provides Basic Long Term Disability (LTD)* through Prudential at no cost to you. Basic
LTD replaces 50% of your pay when you have an eligible disability lasting more than 180 days. You
may enroll and pay for Additional LTD to receive 60% of your pay.
HOW IT WORKS
Wait Time Before You
Benefit Plan Who Pays the Cost What You Get
Get Any Money
Basic Long 50% of your base pay, up to
Texas Health 180 days
Term Disability $15,000 per month
An extra 10%, bringing your total
Additional Long
You up to 60% of your base pay, 180 days
Term Disability
up to $15,000 per month
WHEN BENEFITS ARE PAID
Before 24 months After 24 months
Begins after
you’re disabled You get payments if you can’t You get payments if you can’t work
for 6 months work at your own job. at any job you’re qualified to do.
WHAT TO KNOW ABOUT LTD
You must be getting proper care for your condition from a
licensed doctor who is not you or a member of your family.
If you are a physician
employed by THPG,
If you get any payments from Social Security, workers’
compensation, etc., the total will be subtracted from your you have a separate
LTD benefit. LTD plan.
Unless you had LTD coverage in 2022, if you have a condition
or illness that started before you got your LTD insurance, the plan may limit or deny claims that you
file related to that illness.
For more information on Long Term Disability, see your Employee Benefits Handbook.
* PRN, part-time benefits-ineligible employees, and medical resident/interns are not eligible for Basic LTD or Additional LTD.
24Supplemental Benefit Plans
Supplemental benefits pay you cash to help pay for bills or other expenses when you have a covered
illness or injury.
Critical Illness Hospital Indemnity Accident
Insurance Insurance Insurance
Pays money if you or a Helps you pay your bills Pays flat dollar amounts for
covered family member when you are admitted to many types of accidental
is diagnosed with a the hospital injuries, from a cut requiring
covered illness stitches to second-degree
burns, loss of limb, and death
NOTE: Critical Illness Insurance and Hospital Indemnity Insurance
have pre-existing condition limits.
For more information about the plans, visit BeHealthyTHR.org or call MetLife at 866-626-3705.
“A healthy attitude is
contagious. But don’t wait
to catch it from others.
Be a carrier.”
- Tom Stoppard,
playwright and screenwriter
25Legal Insurance
WHAT IS LEGAL INSURANCE?
Legal coverage isn’t just for the serious issues; it’s for your everyday needs, too. Legal insurance helps you address
common situations like creating wills, fighting a traffic ticket, transferring property, or buying a home, with the
support of a lawyer. And all you generally pay are the insurance premiums of $9.04 per pay period.
WHAT DOES LEGAL INSURANCE COVER?
The legal insurance plan from ARAG® provides a lawyer to cover a wide range of legal needs like the examples
shown below—and many more—to help you address life’s legal situations.
Consumer Protection Driving Matters Real Estate & Home Ownership
• Auto repair • License suspension/revocation • Buying a home
• Buy or sell a car • Traffic tickets • Deeds
• Consumer fraud • Foreclosure
Tax Issues
• Consumer protection for • Contractor issues
• IRS tax audit
goods or services • Neighbor disputes
• IRS tax collection
• Home improvement • Promissory notes
• Personal property disputes Family • Real estate disputes
• Small claims court • Adoption • Selling a home
• Guardianship/conservatorship
Criminal Matters Wills & Estate Planning
• Name change
• Juvenile • Powers of attorney
• Pet-related matters
• Parental responsibility • Trusts
• Divorce
• Wills
Debt-Related Matters
Services for Tenants
• Debt collection
• Contracts/lease agreements
• Garnishments
• Eviction
• Personal bankruptcy
• Security deposit
• Student loan debt
• Disputes with a landlord
WHY SHOULD YOU GET LEGAL INSURANCE?
• Easily locate a network attorney, knowing that attorney fees are 100% paid for most covered matters.
• Address your covered legal situations with a network attorney who is only a phone call away for legal help and
representation.
• Use DIY Docs® yourself to create a variety of legally valid documents, including state-specific templates.
HOW DOES LEGAL INSURANCE WORK?
1. Call 800-247-4184 when you have a legal matter. As an added bonus, after your benefit
2. Customer Care will walk you through your options and help is active, add your parents to your
you get connected to one of 15,000 network attorneys. plan so they can use your Legal
3. Meet with your network attorney on the phone or in person to Insurance too.
begin resolving your legal issues.
26Other Benefits
UNIVERSAL LIFE WITH LONG TERM CARE
In the event that you need Long Term Care for an illness or disability, this benefit offers you peace of mind
by preserving and protecting your financial assets. This coverage helps pay for care expenses if you are no
longer able to perform basic daily activities like eating, bathing, getting dressed, getting in and out of bed, etc.
More information and enrollment instructions can be found at BeHealthyTHR.org/long-term-care.
PET INSURANCE
Your furry family members can be covered under Pet Insurance through MetLife. Pet Insurance provides a 24/7
vet hotline, a wellness benefit, an annual maximum, and lower out-of-pocket expenses when your pet has a claim.
For more information and enrollment instructions, visit BeHealthyTHR.org/pet-insurance.
401(k) RETIREMENT PLAN
You can enroll in the 401(k) plan or change your elections at any time during the year. Visit netbenefits.com/thr
to log in or sign up.
If your years of service with For each $1 you contribute¹, up to 6% of your
Texas Health equal: eligible pay, Texas Health adds:
6 months but less than 5 years $0.75
5 but less than 10 $1.00
10 or more $1.25
1 If you previously worked for Texas Health and earned one or more years of service, you may be immediately eligible for matching
contributions.
2 Contribution limits may change based on IRS guidelines.
3 The employer match is based on your contribution per pay period. The employer match ends when you have met the IRS limit.
For example, if you reach your IRS maximum in June, you would not receive additional employer match because your contributions
have ended.
27Take Advantage of Free Benefits
HEADSPACE
The app helps you create life-changing habits to support your mental health with mindfulness,
better sleep, breathing techniques, and more.
EMPLOYEE ASSISTANCE PROGRAM (EAP)
The EAP helps you and your family manage life’s challenges with in-person, phone, and video counseling
sessions. You can also get referrals to more services related to child/elder care, financial and legal help,
and identity theft. Through the EAP, you get access to My Life Expert, an online portal with resources
including articles, courses, webinars, calculators, self-assessments, and more.
DISCOUNT PROGRAM
The employee discount program can save you money and give you convenient access to a wide variety
of products and services. Discounts/insurance options include pet insurance, auto/home insurance,
identity theft/legal plan insurance, cell phone service discounts, car rental discounts, travel discounts,
cord blood banking, and more.
ADOPTION ASSISTANCE
If you are a benefits-eligible employee with one or more years of service, Texas Health will pay you
back (up to $2,000) for the cost of legally adopting a child. This offer excludes expenses for one spouse
to adopt the other spouse’s children.
TUITION REIMBURSEMENT
Texas Health will pay you back for tuition and fees for approved degree plans that benefit Texas Health
or your position at Texas Health. Full-time employees can get reimbursed up to $5,250 per year for
clinical degrees and non-clinical degrees. Part-time employees can get reimbursed up to $2,625 per year
for clinical degrees and non-clinical degrees. If you are a full-time or part-time employee with an annual
base rate of under $40,000, you qualify for advance funds.
QUIT FOR LIFE
Quit for Life can help you stop using tobacco with phone counseling, personalized Quit Guides, an
interactive website, and nicotine replacement therapy. If your Quit Coach recommends it, you can also
get prescription medication Chantix or bupropion (a 40% copay applies for participants not enrolled in
medical coverage through Texas Health).
STUDENT LOAN REPAYMENT PROGRAM
A Student Loan Debt Repayment program ($50 per month) is available to help eligible employees pay
down their student loan debt. Through the SoFi Dashboard, you can find many free resources to help
you reach your financial goals, including credit score monitoring, refinancing for existing student loans,
access to certified financial planners, and more.
28Covering Family Members
If you add a new eligible family member to medical, dental, or vision coverage, you’ll need to send documentation
showing their eligibility.
What to Send When to Send Where to Send
• For a spouse, you’ll send: Within 31 days of Email your
1) proof of marriage (like your your event date. documents to
marriage license) and THRBenefitsSupport
@texashealth.org.
2) proof of shared address (like your
spouse’s driver’s license).*
• For a child, you’ll send a birth certificate.
If you don’t have the documents listed
above, visit BeHealthyTHR.org for other
documentation you can send.
You’ll find full eligibility requirements and a list of accepted documents* in your Employee Benefits Handbook.
A Social Security number must be provided for every covered dependent over 6 months of age.
* If your spouse is a common law spouse, declaration of informal marriage from the county clerk is required. Tax returns will not be accepted.
“Values are related to our
emotions, just as we practice
physical hygiene to preserve
our physical health, we need
to observe emotional hygiene
to preserve a healthy mind
and attitudes.”
- Dalai Lama
29Making Changes After Enrollment
Federal laws govern when you may make benefits changes. You may make a change during the year
only if there’s a change in your life that meets certain requirements (called a Qualified Status Change).
QUALIFIED STATUS CHANGES:
You marry or divorce.
Make changes at MyTHR.org and
You gain or lose a dependent due to birth,
provide documents within
adoption, placement for adoption, eligibility
31 calendar days of the event.
under a Qualified Medical Child Support
Order (QMCSO), or death.
Need help? Email
You, your spouse, or dependent gets or THRBenefitsSupport@texashealth.org
loses a job that affects your ability to have or call 1-877-MyTHRLink
benefits. (1-877-698-4754), prompt 9.
You, your spouse, or dependent experiences a
significant change in employment status (for
example, change from full-time to part-time) that affects your ability to have benefits.
You move to a new address or work location that causes you to lose the medical and/or dental plan
coverage you selected.
Your dependent is no longer eligible under the plan’s rules.
You or your spouse take (or return from) an unpaid leave of absence that affects coverage.
DEADLINE
To add coverage for a new spouse or child or to make changes to your coverage, you must enroll them and/or make
changes and provide documentation within 31 calendar days of the event (such as marriage or birth), even if you
already have family coverage.
EFFECTIVE DATE
Your changes will be effective the next pay period after you make the change online and send us documentation for
the change and new dependents. Coverage for birth and adoption is effective on the date of birth or adoption.
TO MAKE MOST CHANGES
• Go to MyTHR.org.
• Click the Benefits tile.
• Click Life Change Event.
30Benefit Costs Per Paycheck
The table below and on the following pages show your benefit costs per paycheck before wellness credits.
Medical Coverage (Paid Before-Tax)1
Employee Employee Employee Employee
Only + Spouse + Child(ren) + Family
PLAN NAME Texas Texas Texas Texas
YOU Health
YOU Health
YOU Health
YOU Health
PAY Pays PAY Pays PAY Pays PAY Pays
Full-Time Employees Who Earn Less Than $49,999
Quantum Care 750/Low Rx $51.39 $316.78 $221.99 $557.21 $184.81 $509.06 $354.50 $747.52
Quantum Care 750/High Rx $53.82 $321.95 $231.41 $563.87 $188.94 $519.25 $372.76 $752.00
UHC Choice 1000/Low RX $36.34 $307.77 $121.03 $607.27 $104.12 $544.42 $186.44 $843.59
UHC Choice 1000/High RX $38.77 $312.94 $130.45 $613.93 $108.25 $554.61 $204.70 $848.07
UHC Choice 2500/Low RX $52.68 $275.83 $126.83 $566.23 $84.70 $536.60 $121.24 $843.29
UHC Choice 2500/High RX $55.11 $281.00 $136.25 $572.89 $88.83 $546.79 $139.50 $847.77
Full-Time Employees Who Earn $50,000 - $74,999
Quantum Care 750/Low Rx $52.61 $315.56 $233.99 $545.21 $199.99 $493.88 $374.97 $727.05
Quantum Care 750/High Rx $55.86 $319.91 $244.88 $550.40 $204.98 $503.21 $396.19 $728.57
UHC Choice 1000/Low RX $37.66 $306.45 $125.00 $603.30 $109.51 $539.03 $191.02 $839.01
UHC Choice 1000/High RX $40.91 $310.80 $135.89 $608.49 $114.50 $548.36 $212.24 $840.53
UHC Choice 2500/Low RX $54.61 $273.90 $133.02 $560.04 $90.97 $530.33 $130.05 $834.48
UHC Choice 2500/High RX $57.86 $278.25 $143.91 $565.23 $95.96 $539.66 $151.27 $836.00
Full-Time Employees Who Earn $75,000 - $99,999
Quantum Care 750/Low Rx $67.45 $300.72 $347.82 $431.38 $274.73 $419.14 $544.94 $557.08
Quantum Care 750/High Rx $71.49 $304.28 $363.51 $431.77 $281.68 $426.51 $567.68 $557.08
UHC Choice 1000/Low RX $42.35 $301.76 $168.45 $559.85 $147.04 $501.50 $271.86 $758.17
UHC Choice 1000/High RX $46.39 $305.32 $184.14 $560.24 $153.99 $508.87 $294.60 $758.17
UHC Choice 2500/Low RX $55.43 $273.08 $159.60 $533.46 $112.17 $509.13 $212.93 $751.60
UHC Choice 2500/High RX $59.47 $276.64 $175.29 $533.85 $119.12 $516.50 $235.67 $751.60
31You can also read
