HSA Plus
Announcement
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This plan gives you the flexibility to choose any doctor/hospital that you wish without requiring a primary care physician (PCP) or referrals. If you choose a UHC Choice Plus network provider, you will be charged the in-network rates.
This is a summary of the plan benefits. Complete benefit information is available in the UHC HSA Plus Booklet (will be available closer to the start of the plan year) and Summary of Benefit Coverage (SBC) 2026 [Spanish] (will be available closer to Open Enrollment). The in- and out-of-Network deductibles are tracked separately; a separate Out-of-Pocket Maximum applies. For HSA Plus participants who choose You + Spouse, You + Child(ren), or You + Spouse + Child(ren) coverage, Family Deductible and out-of-pocket rates apply.
Those enrolled in the HSA Plus are eligible to contribute to the Health Savings Account with matching University funds.
| In-Network | Out-of-Network | |
|---|---|---|
| Group Number | ||
| Deductible | $2,000 member, $4,000 family |
$1,700 member; $5,100 family |
| Coinsurance | 20% | Deductible + 40% coinsurance |
| Out-of-Pocket (OOP) Maximum | $4,000 member, $8,000 family | $6,000 member, $16,000 family |
| Prescription OOP Maximum | Included in health OOP max | N/A |
| Wellness Checkup | Covered 100% according to age/sex guidelines | Deductible + 40% coinsurance |
| Office Visit | Deductible + 20% coinsurance | Deductible + 40% coinsurance |
| Emergency Room Costs | Deductible + 20% coinsurance | $150 Copay + 20% coinsurance |
Find a doctor
In-network provider search
- Navigate to the UHC Find a Doctor website
- Select Search as a Guest found on the right side of the page
- Select either Medical Directory or Behavioral Health Directory based on the type of care you need
- Select Employer and Individual Plans
- Scroll and select Choice Plus
- Select Change Location, enter your ZIP code in the search bar, click Update
Location.
Price a medication
Use CVS Caremark online pricing tool to price current or future medications. Shopping around may save you money.
Virtual visits
UHC offers access to virtual care for a variety of care needs. To get started, sign in at myuhc.com/virtualvisits, call the number on your health plan ID card, or download the UnitedHealthcare app.
- 24/7 Virtual Visits are a way to schedule same-day, urgent care visits, so you can talk with a provider 24/7 for common urgent care needs or when your primary care provider (PCP) is not available.
- Access to primary care and specialist providers without the office visit.
Premiums are deducted from your paycheck on a pre-tax basis. Employees who are paid bi-weekly will have half of the monthly deduction taken from the first two checks of each month.
Jump to:
Premiums for full-time employees
| Annual Salary | You | You + Spouse | You + Child(ren) | You + Spouse + Child(ren) |
|---|---|---|---|---|
| Under $42,000 | $37 | $83 | $71 | $123 |
| $42,001-$75,000 | $81 | $180 | $152 | $270 |
| $75,001-$128,000 | $148 | $325 | $272 | $488 |
| $128,001-$182,000 | $222 | $490 | $411 | $735 |
| $182,001 and above | $345 | $762 | $639 | $1,143 |
For new hires, the salary tier is determined based on your initial, regular salary. The salary tier for current employees is determined by your salary on September 1st of the year proceeding the plan year (e.g. Premiums starting 1/1/2026 are based on your 9/1/2025 salary). Mid-year changes to salary will not change your assigned salary tier, unless you transition from full-time to part-time or part-time to full-time. When your 9/1 salary crosses a salary tier due to a salary increase not associated with a change in full-time/part-time status, you will pay the lower premium for the following year.
Premiums for part-time employees
| Annual Salary | You | You + Spouse | You + Child(ren) | You + Spouse + Child(ren) |
|---|---|---|---|---|
| Under $42,000 | $316 | $693 | $589 | $1,038 |
| $42,001-$75,000 | $346 | $757 | $641 | $1,137 |
| $75,001-$128,000 | $391 | $855 | $721 | $1,282 |
| $128,001-$182,000 | $441 | $962 | $815 | $1,447 |
| $182,001 and above | $521 | $1,145 | $967 | $1,719 |
For new hires, the salary tier is determined based on your initial, regular salary. The salary tier for current employees is determined by your salary on September 1st of the year proceeding the plan year (e.g. Premiums starting 1/1/2026 are based on your 9/1/2025 salary). Mid-year changes to salary will not change your assigned salary tier, unless you transition from full-time to part-time or part-time to full-time. When your 9/1 salary crosses a salary tier due to a salary increase not associated with a change in full-time/part-time status, you will pay the lower premium for the following year.
Benefits
Prescription coverage
- CVS Caremark- administered prescription plan
- Use CVS Caremark online pricing tool to price current or future medications. Shopping around may save you money.
Health Savings Account
- Those enrolled in the HSA Plus are eligible to contribute to the Health Savings Account with matching University funds.
Discounts and Programs
- Calm App - included in your health plan and available at no additional cost
- One Pass Select - offers a variety of discounts on gym memberships
- Hearings aids coverage available
Virtual Visits
UHC offers access to virtual care for a variety of care needs. To get started, sign in at myuhc.com/virtualvisits, call the number on your health plan ID card, or download the UnitedHealthcare app.
- 24/7 Virtual Visits are a way to schedule same-day, urgent care visits, so you can talk with a provider 24/7 for common urgent care needs or when your primary care provider (PCP) is not available.
- Access to primary care and specialist providers without the office visit.
Immunizations
- Covered under the Well Child Care provisions for children up to age 16
Routine mammogram and pap smear
- Covered with no cost-sharing
- Mammogram covered for women age 35+
Laboratory tests and x-rays
- Coinsurance after deductible is met
Physical therapy
- Coinsurance after deductible is met
- Member's condition must show continued improvement with physical therapy
Minor surgery in doctor's office or outpatient surgical operations
- Coinsurance after deductible is met
Diabetes treatment
- Covered at coinsurance after deductible is met:
- Glucometer
- Self management training services rendered by a physician or licensed health care professional with expertise in diabetes management
- Regular foot care examinations by a physician or podiatrist
- Other supplies and equipment are covered under prescription drug program
Exclusion examples
- Acupuncture
- Dental care
- Long-term care
- Routine eye care
- Routine foot care (with the exception of person with diagnosis of diabetes)
- Weight loss programs