Get to know your benefits - MCR, LLC MCR, LLC 2019 Benefits Guide welcometouhc.com - MCR ACCESS Team Welcome
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Knowing your benefits helps you make more informed choices. By understanding your benefits, you can select the coverage that best fits your needs. In this guide, you'll find information about Table of Contents your options and programs to help make BENEFITS PAGE # your choices easier. Health Plan Details 5 UnitedHealthcare is committed to providing Choice Plus HRA - BAGL 6 Vision 8 you a smooth and simpler enrollment Prescription 10 experience with the support you need. HEALTH & WELLNESS RESOURCES Go Digital 11 Rally 12 Access to Support 13 Want more information? Real Appeal 14 Wellness 15 We're Here to Help 16 welcometouhc.com ENROLLMENT • Search for network providers. What's Next? 17 • Learn about your benefits and more. Toll-free 1-866-873-3903, TTY 711 Habla Español? Podemos ayudar. 2
Benefits Health & Wellness Resources Enrollment Helpful Highlights UnitedHealthcare Health4Me® Mobile Application Download Health4Me to your smartphone and you’ll get quicker access to your health plan details. It also lets you: • Search for a network doctor, clinic or hospital. • Find options for quick care, such as a nearby clinic, Urgent Care or ER. • Locate and share digital health plan ID cards. • Compare costs and see provider reviews. • View claims and account balances. • Find pharmacies and fill prescriptions. Rally® Get support to help you meet your health goals. The Rally program is an interactive, personalized health and wellness experience available when you become a health plan member. It includes a website and app found on myuhc.com® that gives you support and tools to help you achieve personal health goals. You’ll start with a short survey, which gives you your Rally Age® — a measure of your overall health. Then it puts you in charge with a personalized digital experience that includes Missions, Challenges and Communities. You’ll receive real-time feedback and ongoing encouragement to help you live a healthier life. Real Appeal® Get help losing weight and keeping it oﬀ. Whether you want to lose a lot of weight or just a few extra pounds, Real Appeal is designed to help with simple steps and support along the way for lasting weight loss. As a benefit of your health plan, it includes: • A personalized transformation coach will guide you and customize steps to fit your needs, personal preferences, medical history and goals. • 24/7 online support and a mobile app to help you stay on track and help you reach your goals. • A success kit featuring a personal blender, digital food scale and more. myuhc.c om ® Manage your plan online and on the go. Your member website: myuhc.com 3
Benefits Health & Wellness Resources Enrollment Helpful terms to know when choosing a plan. Coinsurance Out-of-pocket Limit Your share of the costs of a covered health care The most you could pay during a coverage period service, calculated as a percent. (usually one year) for your share of the costs of covered services. After you meet this limit, the plan Copayment or Copay will usually pay 100 percent of the allowed amount. A fixed amount of money you’ll pay for a covered The out-of-pocket limit includes all of your network doctor visit or prescription. payments. Covered Services Prescriptions The portion of a medical and vision expense that the Medications and drugs prescribed by your doctor. plan has agreed to pay for or reimburse. They You may save money by choosing prescriptions from include: the lower tiers and signing up for home delivery. Talk • Doctor's office visits to your pharmacist or doctor to learn ways that may • Prescription drugs (Pharmacy) help you save. • Emergency Services • Hearing aids Preventive Care • Hospital care Routine health care, including screenings, checkups • Lab services and patient counseling to prevent or discover illness, • Pregnancy care services disease or other health problems. • Outpatient care services • Rehabilitative services and devices • Wellness services • Mental health and substance use disorder services Deductible The amount you’ll need to pay before your plan will start to pay for covered services. Health Reimbursement Account (HRA) An account funded by MCR, LLC to help you pay for covered health care services. Your HRA will automatically pay for covered services first and you won’t pay as long as you have money in the account. Network A group of health care providers and facilities that have a contract with UnitedHealthcare. Using the network may help lower your costs because these providers and facilities have agreed to provide services at a discount. If you use out-of-network providers, your costs may be higher. FIND INSURANCE TERMS CONFUSING? Visit justplainclear.com. 4
Benefits Health & Wellness Resources Enrollment Choice Plus HRA - BAGL EMPLOYER HRA CONTRIBUTION EE $650 EE+1 $1,300 EE+Child $1,300 Family $1,300 WHAT YOU PAY IN THE NETWORK OUT OF THE NETWORK DEDUCTIBLE EE $2,000 $4,000 EE+1 $4,000 $8,000 EE+Child $4,000 $8,000 Family $4,000 $8,000 COVERED SERVICES Doctors and Specialists Doctor Visit (Illness or Injury) 10%* 30%* Virtual Visit (online) 10%* 30%* Specialist Visit 10%* 30%* Non-preventive Tests 10%* 30%* Preventive Care Screenings & Counseling You pay nothing 30%* Immunizations You pay nothing 30%* Well-Child & Well-Woman Visits You pay nothing 30%* Labs & Imaging Test You pay nothing 30%* Emergency Care Urgent Care Visit 10%* 30%* Emergency Room 10%* 10%** Emergency Transportation 10%* 10%** Other Care Mental Health Visit (outpatient) 10%* 30%* Mental Health Visit (inpatient) 10%* 30%* Outpatient Surgery 10%* 30%* Hospital Stay Facility Fee 10%* 30%* OUT-OF-POCKET LIMIT EE $6,350 $6,350 EE+1 $12,700 $12,700 EE+Child $12,700 $12,700 Family $12,700 $12,700 PRESCRIPTIONS Retail (up to 31-day supply) Tier 1 $10^ $10^ Tier 2 $35^ $35^ Tier 3 $60^ $60^ Home Delivery (90-day supply) Tier 1 $25^ Not Covered Tier 2 $87.50^ Not Covered Tier 3 $150^ Not Covered This information does not replace your official health plan documents. Please see your official health plan documents for all coverage details, which includes limitations and exclusions. Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. *After Deductible Met **After In-Network Deductible met ^Goes toward Out-of-Pocket limit 5
Benefits Health & Wellness Resources Enrollment Choice Plus HRA - BAGL with a Health Reimbursement Account (HRA) Use our national network to help save money. Save money by staying in our network. A network is a group of health care providers and facilities that have a contract with UnitedHealthcare. You can receive care and services from anyone in our network. If you don’t use the network, you’ll have to pay for all of the costs. There’s no need to select a primary care physician (PCP) or get referrals to see a specialist. Consider choosing a PCP. Your PCP can be your partner in managing your care. They can help you avoid duplicating tests and services and connect you to a specialist. Preventive care is covered 100 percent in our network.1 DETAILED BENEFITS on Page 5. Enjoy the benefits of an HRA. Look for care in our An HRA is an account funded by MCR, LLC to help you pay for covered network first. health care services. Funds for your medical claims are automatically paid by your HRA for covered services first and you won’t pay as long as you The doctors and facilities in our national network have agreed to have money in your HRA. provide you services at a discount. We have: • 930,000++ physicians and An HRA saves you money. health care professionals.* When you have money in your HRA, you’ll pay less out of your pocket for • 5,600++ hospitals.* covered services. This is how much MCR, LLC is contributing to the HRA. • 67,000+ pharmacies.* EE $650 EE+Child $1,300 Search the network at EE+1 $1,300 Family $1,300 welcometouhc.com *As of 3/31/2018 For all of the COVERAGE DETAILS, see your official health plan documents. 1 Age appropriate preventive care services are covered 100 percent when received in the plan network. 6 You may be required to receive approval for some services before they can be covered.
Benefits Health & Wellness Resources Enrollment How paying for network care works with an HRA. STEP STEP STEP 1 2 3 Your deductible Your copayment coinsurance Your out-of-pocket limit Your HRA automatically pays After you reach the deductible, you When you reach the limit, you are network providers directly for share the costs with the plan. If done paying. The plan pays 100 covered services first. If you spend you have money in your HRA, it will percent of covered services for all of your HRA, you’ll have to pay automatically pay for your share. the rest of the plan year. until you reach your deductible. Your HRA pays first + You pay Your plan pays 90% + You pay 10% You are done paying Preventive care is covered 100 percent when you use a provider in the plan's network.1 DETAILED BENEFITS on Page 5. Use an HRA to help save and pay. Ways to pay with your HRA: Visit welcometouhc.com to learn more. • Automatic payments. If a service is covered by the plan, the bill (claim) will automatically be reimbursed Paying for prescriptions. from your HRA. • Use the Health Care Spending You will pay a copayment for prescriptions. Check your official health plan Mastercard®. documents to see if your plan allows you to use your HRA to pay for • Submit claims on myuhc.com prescriptions. to get reimbursed. Eligible expenses: • Doctor office visits • Prescriptions • Non-preventive tests (lab work, X-rays, etc.) 1 Age appropriate preventive care services are covered 100 percent when received in the plan network. You may be required to receive approval for some services before they can be covered. 7
Benefits Health & Wellness Resources Enrollment Voluntary Vision Plan Vision benefits that are easier to see. Eye health is important to you and your family’s overall health. Save on eye care by purchasing a Vision Plan. Plan includes: Eye exam Your plan includes a comprehensive eye exam. Frame allowance When you use a network provider, you have an allowance you can use to help buy any frames your eye doctor offers. Contact lens benefit You get contact lenses, a fitting and up to 2 follow-up visits. Choose from popular brands, including some that may be fully covered. Popular lens options Popular lens options may be available to you at price-protected amounts. Plus, standard scratch coating and polycarbonate lenses for dependent children are available at no additional cost. Additional pairs of glasses Get a discount of up to 20 percent on additional pairs of eyeglasses, including prescription sunglasses. Paying for exams and eyewear. Vision Plan OUT-OF-NETWORK Benefits IN NETWORK REIMBURSEMENTS Copays the amount you’ll pay: Exam once every 12 months Eye Exam $10 $40 Materials $10 N/A Frames once every 12 months Allowances money to help you pay for: Contact Lenses 4 boxes every 12 months Eyeglass frames $130 $45 Contact lenses $10 $105 Lens Options Spectacle Lenses once every 12 months Covered in full after Single vision applicable copay1 pay up to $40 Covered in full after Bifocals applicable copay1 pay up to $60 Covered in full after Trifocals applicable copay1 pay up to $80 LEARN MORE at welcometouhc.com. For all of the COVERAGE DETAILS, see your official vision plan documents. This information does not replace your official health plan documents. Please see your official health plan documents for all coverage details, which includes limitations and exclusions. See back page for all legal statements. The material copayment will apply once if frames and lenses, or contact lenses in lieu of eyewear, are purchased at the same time at a network provider. 1 8 Plans may vary. Please see your official plan documents.
Benefits Health & Wellness Resources Enrollment Learn more about your vision coverage. Save at network providers. Without a vision plan, this is what you could pay on average.1 WITHOUT A PLAN Service Routine Eye Exam $60 Glasses Copay (frames and lenses) $0 Frames ($130 retail price at retail provider) $130 Standard Progressive Lenses $219 Standard Anti-Reflective Coating $70 Standard Scratch-Resistant Coating $27 Total Due to Provider $506 See more savings with these discounts. Find an eye doctor.4 The plan uses Spectera Eyecare Laser vision correction Networks, a national network of eye Save up to 15 percent2 through the Laser Vision Network of America’s doctors, which includes optometrists nationwide network. and ophthalmologists. Participating locations consist of both private Contact lenses practice and retail settings, including: We provide a fast, easy way to order contact lenses online, while oﬀering a variety of lens options. One of the ways we do that is by providing you a 10 percent discount on your order. Hearing aids3 You can buy quality, digital hearing aids at discounted prices through hi HealthInnovations®. Now you can use your benefits at Warby Parker. Warby Parker oﬀers a range of colors, styles and materials with SEARCH for an eye doctor or a 1-year, no-scratch guarantee; and for every pair purchased, a clinic at welcometouhc.com. pair is distributed to someone in need. Visit warbyparker.com for more information. LEARN MORE at welcometouhc.com. For all of the COVERAGE DETAILS, see your official vision plan documents. 1 This information is a generalized savings illustration based on internal UnitedHealthcare data (Jan. 2017 – Mar 2017). The charges for services and materials without a plan may vary by provider. 2 Source: myuhcvision.com. 3 hi HealthInnovations® is an affiliate of UnitedHealthcare Insurance Company. 4 Not all providers participate in all plans. Check with your provider before using your benefits. 9
Benefits Health & Wellness Resources Enrollment Pharmacy Benefit Your covered medications. Fill your prescriptions OptumRx® is your UnitedHealthcare® plan’s pharmacy care services two ways. manager. OptumRx is committed to helping provide you with safer, easier and lower cost ways to get the medication you need. 1. Choose from thousands of network retail pharmacies. The UnitedHealthcare Prescription Drug List (PDL) is the list of medications that are covered by the plan. The PDL is organized by 2. Take advantage of the convenience of OptumRx home delivery. cost levels, known as tiers. Choosing medications in the lower tiers may save you money. Tier 1 Tier 2 Tier 3 Lower-cost Midrange-cost Higher-cost Medications Medications Medications Find out if your medication is covered by visiting welcometouhc.com. Save on your medications. • Use home delivery. Up to a three-month supply of your medications will ship free to your home, often at a lower cost than retail. You also get 24/7 phone support, medication refill reminders and more. And it saves you trips to the pharmacy. • Use network pharmacies. Use network pharmacies and you will generally pay less out-of-pocket. Our network includes thousands of pharmacies across the country. • Use lower tier medications, such as generics. Ask your doctor or check your PDL for lower-cost options. If you have a medication that is placed in a higher tier (Tier 3, for example), check to see if a lower-tier option is available. Manage your pharmacy benefits on the go. With myuhc.com and the UnitedHealthcare app1 you can: • Enroll in home delivery. • Estimate and compare medication costs. • Find network pharmacies. • Search your plan’s PDL. • Refill prescriptions and set up refill reminders. 10 1 The UnitedHealthcare app can also help determine how a medication is covered and whether or not there are other options to help save you money.
Benefits Health & Wellness Resources Enrollment Get the most out of your benefits when you go digital. • Find network providers and provider locations. • Manage your claims, track expenses and pay your medical bills. • View benefit cost details. • Find and compare covered medications. • Refill, renew and transfer home delivery prescriptions. Estimate health care costs. Your path to better health. You have easy-to-use tools so you can see Sign up for Rally®, an online health what a treatment or procedure typically and wellness experience. Take a quick costs, estimate costs of prescriptions and Health Survey and get personalized see what your share of expenses may be. recommendations to help you achieve your health and wellness goals. Manage your medications Find quality doctors. and get refill reminders. We make it easy to ﬁnd doctors and other You can view your medications, find lower health care providers who are recognized cost options and sign up for text reminders for meeting national quality or cost-eﬃciency so you don’t forget to take or refill your care in the UnitedHealth Premium® medication. program. Look for the blue hearts. On the go? Download the free UnitedHealthcare app and take your plan with you. Download at the App Store®. Android available at Google PlayTM. 11
Benefits Health & Wellness Resources Enrollment Getting healthier just got fun. Your path to better health. Rally® is a digital experience on myuhc.com that is designed to make it easier for you to improve and maintain your health. Based on your responses to a Health Survey, you’ll get your Rally Age®, a simple measure to help assess your overall health. Get personalized recommendations. Set your goals and we’ll provide a list of recommended activities to help you reach them. Earn Rally coins for taking healthy actions. As you complete certain activities, you’ll earn coins that can be used for a chance to win prizes, support charities or bid in auctions. Connect with a Community. Compete with others in an online Challenge using a tracking device to count your steps on virtual courses, or join a Community with similar interests. Track your progress to help stay motivated. Once you sync your tracking device, you will be able to join a Mission or complete Challenges and easily track your progress. myuhc.c om ® myuhc.com makes managing your health plan easier. Sign up when you become a member. 12
Benefits Health & Wellness Resources Enrollment Get access to support and care at any time. Need help? We’re on it. Contact us for help with a We know that managing your health plan benefits and your health personal touch. isn’t always easy. That’s why we have a team of people dedicated to helping you. From understanding your claims to estimating costs Call the number listed on your health ahead of time, we’re here to help. plan ID card. You may want to know: • Is this treatment covered? • How much will I have to pay for a test my doctor wants me to get? • What does this charge mean on my bill? And why is it this amount? • Can you help explain my benefits and what I need to do? • If I need to find a new doctor, can you help me? Get care online with Virtual Visits. A Virtual Visit lets you see and talk to a doctor from your mobile device1 or computer without an appointment. The doctor can provide a diagnosis and, if appropriate, send a prescription2 to your local pharmacy, all in 30 minutes or less. It’s all part of your health benefits. Conditions commonly treated through a Virtual Visit. Doctors can diagnose and treat a wide range of non-emergency medical conditions, including: • Bladder infection/ • Flu • Sinus problems Urinary tract infection • Fever • Sore throat • Bronchitis • Pinkeye • Stomach ache • Cold • Rash It’s easy to get started. To get started with a Virtual Visit, go to uhc.com/virtualvisits and choose from provider sites where you can register for a Virtual Visit. After registering and requesting a visit, you will pay your portion of the service costs according to your medical plan, and then you will enter a virtual waiting room. During your visit you will be able to talk to a doctor about your health concerns, symptoms and treatment options. 1 Data rates may apply. 2 Prescription services may not be available in all states. 13
Benefits Health & Wellness Resources Enrollment Lose weight and get help keeping it off. Get started with Real Appeal®. What makes Losing weight can be difficult, especially when you try to do it alone. Real Appeal different? That’s why we’re excited to offer Real Appeal, a program led by experts who have proven experience developing simple weight loss plans that • No additional cost to members.1 actually work and have long-term results. • Easily accessible online Depending on your needs, a transformation coach will help you develop weight loss program. a plan specific to your health goals, fitness level and lifestyle. Members also receive a Success Kit that includes program and workout guides, a • Focus on small changes that may lead to lasting results. recipe book, weight scale and cooking tools. All of this is no additional cost to Real Appeal participants! • Based on weight loss research studies. The Real Appeal program includes: With Real Appeal, you will be supported through every stage of your weight loss journey. Real Appeal can Expert one-on-one coaching. work for most anyone, no matter how • Plus, weekly group coaching and live much weight you want to lose or what online discussions. kind of shape you are in. Personalized support. • Nutrition guides, meal plans, video workouts and fitness guides. Engaging entertainment. • All-Star Show featuring healthy tips from celebrities, athletes and health experts. 24/7 online support, tools and a mobile app. • Resources and tools to help you track your diet and exercise. GET STARTED. To learn more, visit realappeal.com. 14 The Real Appeal program is provided at no additional cost to you as part of your benefit plan. 1
Benefits Health & Wellness Resources Enrollment Support to help you reach your wellness goals and earn rewards. Personalized health recommendations, just for you. Rally™ can help you get healthier, one small step at a time. Get Your Rally Age Rally is designed to help you make changes to your daily routine, set smart goals and track your progress. You’ll get personalized recommendations to help you move more, eat better and improve your health—and have fun doing it. Get your Rally Age®. Build Health Habits Take the Health Survey and instantly get your Rally Age — measure of your “health age” — to help assess your overall health. Then pick Missions to help you get your health on track. You can store your health history, connect with online Communities and compete in fun Challenges. Earn coins as you track and complete each Mission, then use them for a chance Win Cool Stuff to win great prizes. Stay on top of your preventive care. Preventive care helps you and your doctor find health issues at an early stage to help prevent serious problems. Please see your plan documents for more details about preventive care coverage. Save 10% – 50% with our UnitedHealth Allies® health discount program: • Fitness memberships. • Weight management programs. • Fitness gear. • Nutrition and natural products. • And more. Powered by: LEARN MORE about wellness support at welcometouhc.com. 15
Benefits Health & Wellness Resources Enrollment We’re here to help. Whether it’s finding care or managing a complex health condition, you’ll get help whenever you need it. Here are some of the programs and services that are available as part of your health plan with no additional cost to you. Get access to the nation’s leading health care facilities. Do you need a transplant? Our Centers of Excellence network provides access to If you need a transplant, the Transplant leading health care facilities, physicians and services to Resource Services program can support safe, specialized and cost-eﬀective care. connect you to transplant Centers of Excellence. Our experienced nurses will work with you and your doctors Call to talk to a maternity nurse. throughout your care. The Maternity Support Program oﬀers comprehensive maternity services before, during and after pregnancy. Get support through one-on-one access to an experienced maternity nurse, medical director and social worker throughout your pregnancy, regardless of risk level, to provide assistance, guidance, answers and education. See a doctor anywhere, anytime. When you don’t feel well or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now, you don’t have to. A Virtual Visit lets you see and talk to a doctor from your mobile device or home computer. There is a cost for Virtual Visits. See your health plan documents for coverage details. 16
Benefits Health & Wellness Resources Enrollment What comes next? Choose a plan. As you consider your benefits, think about how often you go to the doctor and the total cost of your benefits, including how much you pay in monthly premiums. Before coverage starts. While we’re setting up your insurance: SEARCH OUR NETWORK for providers near you at welcometouhc.com. Once coverage begins. Your coverage starts January 1, 2019. WATCH THE MAIL for your GET STARTED ONLINE at myuhc.com and welcome kit and ID card. download the UnitedHealthcare app to help manage your health and benefits. 1. Go to myuhc.com. START USING YOUR PLAN 2. Click on Register Now. once your coverage starts. Use your plan. Here are some great ways to use your plan throughout the year: SCHEDULE A PREVENTIVE EXAM, ESTIMATE YOUR COSTS before you get care flu shot or other preventive with myuhc.com or the UnitedHealthcare app. screening service. USE OUR RESOURCES to help GET ON-THE-GO ACCESS to health and account info, stay healthier and save money. tools and resources with the UnitedHealthcare app. CALL US FOR HELP MANAGE YOUR PLAN AND HEALTH ONLINE when you need us. at myuhc.com. Do you need more help? uhc.com Toll-free 1-866-873-3903, TTY 711 welcometouhc.com Habla Español? Podemos ayudar. 17
Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. The information in this guide is a general description of your coverage. It is not a contract and does not replace the official benefit coverage documents which may include a Summary of Benefits and Coverage and Certificate of Coverage/Summary Plan Description. If descriptions, percentages, and dollar amounts in this guide differ from what is in the official benefit coverage documents, the official benefits coverage documents prevail. Disease Management programs and services may vary on a location-by-location basis and are subject to change with written notice. UnitedHealthcare does not guarantee availability of programs in all service areas and provider participation may vary. Certain items may be excluded from coverage and other requirements or restrictions may apply. If you select a new provider or are assigned to a provider who does not participate in the Disease Management program, your participation in the program will be terminated. Self-Funded or Self-Insured Plans (ASO) covered persons may have an additional premium cost. Please check with your employer. The UnitedHealthcare plan with Health Reimbursement Account (HRA) combines the flexibility of a medical benefit plan with an employer-funded reimbursement account. MasterCard® is a registered trademark of MasterCard Worldwide. UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York, located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy form number VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA. The hi HealthInnovations® hearing program is provided through UnitedHealthcare, offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific hearing aid discounts. This is not an insurance nor managed care product, and fees or charges for services in excess of those defined in program materials are the member’s responsibility. UnitedHealthcare does not endorse nor guarantee hearing aid products/services available through the hearing program. This program may not be available in all states or for all group sizes. Components subject to change. Network Access Plan information is available for UnitedHealthcare plans in Colorado. UnitedHealthcare has prepared and maintains a network access that describes how the plan monitors the network of providers to ensure that you have access to network providers. The access also has information on the referral processes, compliant procedures, quality programs and emergency services coverage provisions. The network access plan is available at the plan’s office: 6465 Greenwood Plaza Blvd, Suite 300, Centennial, CO, 80111 or call (800)842-4509. Real Appeal is a voluntary weight loss program that is offered to eligible participants as part of their benefit plan. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an appropriate health care professional to determine what may be right for them. Any items/tools that are provided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they may have from receiving items/tools under the program. Access to Virtual Visits and prescription services may not be available in all states or for all groups. Always refer to your plan documents for your specific coverage. Virtual Visits are not an insurance product, health care provider or a health plan. Virtual Visits are an Internet-based service provided by contracted UnitedHealthcare providers that allow members to select and interact with independent physicians and other health care providers. It’s the member’s responsibility to select health care professionals. Care decisions are between the consumer and physician. Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times or in all locations. Members have cost share responsibility and all claims are adjudicated according to the terms of the member’s benefit plan. Payment for Virtual Visit services does not cover pharmacy charges; members must pay for prescriptions (if any) separately. Rally Health provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor’s care. If you have specific health care needs, consult an appropriate health care professional. Participation in the health survey is voluntary. Your responses will be kept confidential in accordance with the law and will only be used to provide health and wellness recommendations or conduct other plan activities. App Store is a registered trademark of Apple, Inc. Android and Google Play are trademarks of Google, Inc. The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at myuhc.com®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. You should also discuss designations with a physician before choosing him or her. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com for detailed program information and methodologies. Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change. These policies have exclusions, limitations and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your UnitedHealthcare sales representative. The health discount program is offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific discounts and to encourage participation in wellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions or other requirements in the state. UnitedHealthcare does not endorse or guarantee health products/services available through the discount program. This program may not be available in all states or for all groups. Components subject to change. The Centers of Excellence (COE) program providers and medical centers are independent contractors who render care and treatment to health plan members. The COE program does not provide direct healthcare services or practice medicine, and the COE providers and medical centers are solely responsible for medical judgments and related treatments. The COE program is not liable for any act or omission, including negligence, committed by any independent contracted health care professional or medical center. MT-1021355.0 2/18 ©2018 United HealthCare Services, Inc. 18-6811 MCR, LLC 10/08/2018
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