welcome to chapter 4 – choice plus with hra as a reminder, please remember: all chapters provided...

•Welcome to Chapter 4 – Choice Plus with HRA

•As a reminder, please remember:• All Chapters provided in the 2015 Benefits Guide are intended to be part of a module series

•There are eight Chapters, several of which contain sub-chapters

• Follow along with and compile these into your own presentation (see below) in the order they are presented

• Text items in red are variables. Please modify them as necessary in order to fit your presentation’s and consumers’ needs

• Please pick and choose from the slides provided to create a custom presentation that is right for you and your consumers. To do this, refer to the instructions listed on the end slide of each Chapter

1Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.


ABOUT THE PLAN

CHOICE PLUS PLANwith a HEALTH REIMBURSEMENT ACCOUNT (HRA)


THIS PLAN GIVES YOU AN HRA.

An HRA is an account that is funded by your employer.

The money in the HRA is to help you pay for covered health care services. This includes paying for services that apply to your deductible, such as doctor visits.

Even though your employer owns the HRA, think of it as your money. You’ll find that spending your HRA wisely can help save you money.

What’s the benefit of an HRA?

•Your employer funds it each year.

•You won’t pay for covered services until it’s spent.

•Any money remaining will roll over to use next year.

CHOICE PLUS PLAN with HRA


THE HRA IS USED TO PAY FOR COVERED HEALTH CARE SERVICES.

THE HRA WILL PAY FIRST.

The HRA will automatically pay for all covered services first. You won’t pay as long as you have money in your HRA. The money in the HRA may be enough to cover all of your health care costs for the year.

Your HRA can roll over.If you have dollars remaining in your HRA at the end of the year, they will roll over so you can use them next year.

It can be used for services that apply to your deductible, such as:

•Doctor visits

•Lab work

•X-rays

•Hospital stays and more



MAKING IT EASY TO USE YOUR HRA

Automatic payment1

If a service is covered by your health plan, we will automatically pay the bill (claim) from your HRA first, so you don’t have to.

Online claim form

If you need to submit a claim for reimbursement, you can easily do so online at myuhc.com. You can even sign up for emails to stay up to date on claim payments.

Health Care Spending Card MasterCard1

This handy debit card makes it easy to pay from your HRA. You can use it to pay by phone, online or at locations that accept MasterCard.

1. May not be available for some plans


Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

6

1. Your deductible

2. Your co-insurance

3. Your out-of-pocket limit

HOW THE PLAN WORKS

STEP

1

STEP

2

STEP

3


Your deductible – Your HRA pays first.


Preventive care is covered 100% when you use a network doctor.

Your deductible

Your HRA pays first You pay+

• Your HRA automatically pays for all covered services first.

• If you spend all of the HRA, it’s your turn to pay.

• Preventive care is covered 100% when you use a network doctor.

STEP

1

HOW THE PLAN WORKS

STEP

1




Your co-insurance – You and your plan share the cost of services.

• Co-insurance is when you and your plan share the cost of covered services.

Your co-insurance

Your plan pays % You pay %+

• Your plan will pay a percentage and you will pay a percentage. Your HRA will automatically pay if money remains.

(After you reach the deductible)

• After the deductible, you may have a co-payment for prescriptions.

Your deductible


STEP

1STEP

2

HOW THE PLAN WORKS

STEP

2



Your out-of-pocket limit – You are done paying. • When your deductible and co-insurance payments reach this

limit, you are done paying.

• The plan will pay 100% of covered expenses for the rest of the plan year.

Your out-of-pocket limit

You are done paying

When you reach the limit, the plan pays 100%.


• This limit protects you if you have a major medical event.

Your co-insurance


(After you reach the deductible) Your deductible


STEP

1STEP

2STEP

3

HOW THE PLAN WORKS

STEP

3



(After you reach the deductible)

STEP

2

Your co-insurance

HOW THE PLAN WORKS


1. Your deductible — Your HRA pays first.

2. Your coverage — You and your plan share the cost of services.

3. Your out-of-pocket limit — You are done paying.


Your deductible


STEP

1

Your out-of-pocket limit

You are done paying

When you reach the limit, the plan pays 100%.

STEP

3

STEP

1

STEP

2

STEP

3


• This ends Chapter 4 – Choice Plus with HRA

• Please open Chapter 5 – Choice Plus with HSA

• Copy and Paste slides from Chapter 5 to this Power Point (Chapter 1)

1. Click on the first slide and then press shift while you click on the last slide

2. Right click on the first slide and select copy

3. Go to the first section

4. Click below the thumbnail of the last slide in that section

5. Right click there and select Copy—Use Source Formatting

• Whichever slides from Chapter 5 that do not apply to your customer, delete


welcome to chapter 4 – choice plus with hra as a reminder, please remember: all chapters provided...

Documents

hra automatic payment

health plan

covered health care

covered services

choice plus plan

health care providers

health care costs

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