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  • Thank you for considering UnitedHealthcare. And thank you for allowing me to present your UnitedHealthcare benefit plan options today. We all know that health plans can be confusing. I’m here to give you the information that you need to make the best benefit choices you can simply and clearly. Feel free to stop me at any point to clarify or get more information. Presenter Notes: This deck requires customization for the plan types and details being offered by the client. Items in text that need customization are printed in fuchsia font. Pages 1 – 5: Introduction to UHC (no customization required) Pages 6 – 9: Traditional Plan Information (show only the plan type(s) being offered) Pages 10 – 21: Introduction to CDH / Definity Plans (use only if offering HRA and/or HSA) Pages 22 – 43: HRA how the plan works (use only if offering an HRA) Pages 44 – 49: Information on Flexible Spending Accounts (use only if offering an FSA) Pages 50 – 67: HSA how the plan works (use only if offering an HSA) Page 68: Limited Purpose FSA (use only if offering a limited purpose FSA) Pages 69 – 73: Pharmacy (show only if offering Pharmacy benefits through UHC) Pages 74 – 78: Total cost of health care (insert benefit plan coverage) Pages 79 – 97: Benefit Extras ( Choose 4-8 slides to feature. The following topics should be presented only if the benefit is being offered: NurseLine, Care24, Behavioral Health Support, Healthy Pregnancy, Rewards for Action, Health Discounts) Pages 98 – 100: Summary / Wrap-up (insert OE dates and premember website information)
  • Before making a decision on your medical benefits, it is very important that you consider the following: Most likely, your doctor is in our vast network of more than 595,000 doctors and 4,900 hospitals – that’s roughly two out of every three doctors and three of every four acute care hospitals nationwide. Make sure you understand what is included in your coverage. From annual check-ups, to managing a chronic condition to emergency care and more. Estimate your total out-of-pocket cost for each plan you are considering. Include your payroll contributions (premiums), co-payments for office visits and prescriptions, and annual deductibles. Our online plan cost estimator on myuhc.com can help you estimate costs based on your personal situation. Spend a few minutes to understand the “extra” benefits available to you with a UnitedHealthcare plan. These can add up to better control, better quality of care and potentially lower costs.
  • PRESENTER NOTE: If the Employer has a customized pre-member site, encourage the audience to visit it and provide them with the appropriate URL. Most of us have a personal physician that we have been using for years. You’ll want to make sure they are included in UnitedHealthcare’s nationwide network to get the best coverage possible. Often using network doctors will result in lower coinsurance costs and out of pocket maximums. It’s easy to learn if your doctor is in the network. You can go to www.myuhc.com and search for your doctor by name or zip code. There are times that you might want to find a new doctor. Maybe you need a specialist, or you need to find a doctor for a family member. Myuhc.com makes it easy for you then too. Visit myuhc.com to look for network doctors and hospitals based on where you live, by their specialty, or many other criteria. And, you can see which doctors are UnitedHealth Premium designation program doctors by looking for the “stars” next to their names. We’ll cover this in more detail soon, but know that w e evaluate physicians and facilities before we put them in our network, and we identify board-certified doctors . We Do the Homework For You
  • Choice Plus offers the same key benefits as Choice, including providing members with access to an expansive network of providers. The primary difference between the two plans is that Choice Plus offers members a level of benefits should they choose to see a doctor that is not in the network. Like Choice, Choice Plus does not require members to designate a “primary care physician” to coordinate care, nor are specialist referrals required for eligible services. Choice Plus plan gives you the freedom to see any Physician or other health care professional from our Network, including specialists, without a referral. With this plan, you will receive the highest level of benefits when you seek care from a network physician, facility or other health care professional. In addition, you do not have to worry about any claim forms or bills. You also may choose to seek care outside the Network, without a referral. However, you should know that care received from a non network physician, facility or other health care professional means a higher deductible and Copayment. In addition, if you choose to seek care outside the Network, UnitedHealthcare only pays a portion of those charges and it is your responsibility to pay the remainder. This amount you are required to pay, which could be significant, does not apply to the Out-of-Pocket Maximum.
  • NOTE: Customize to include information from employer’s Benefit Plan
  • NOTE: Customize to include information from employer’s Benefit Plan
  • Many of us have no idea how much it will cost for a throat culture, diagnostic test like an ultrasound, or a surgery like a knee replacement. Our Treatment Cost Estimator on myuhc.com can help get you the information you need before going to the doctor.
  • The Quicken Health Expense Tracker is an exciting new tool to help you manage all the financial aspects of your health care. It holds onto all payment information for the entire time you are a member of UnitedHealthcare. Not only that, but you can pay your portion of the bill from the site and Quicken will alert you if it suspects any billing errors. This tool will make it easy to see how much you need to contribute to your Flexible Spending Account next year, because it will show you what you spent this year. When the tool was launched, it was loaded with information for the last eighteen months, so it already has great information for you to look at and learn from.
  • A great health care tool can be myuhc.com. It can hold your health history, has a medical library and tracks your claim information. It’s secure, easy-to-use and interactive. On www.myuhc.com you can: Review your benefits Find a network doctors and hospitals Estimate plan and treatment costs Track claims status Start a health improvement program Use the Personal Health Record Find discounts on health-related products And, much more …
  • Although it’s unlikely you’ll need to change primary care doctors, there may be times you need to find a doctor to handle a special need. How do you choose? Our UnitedHealth Premium star designation clearly shows which doctors and cardiac facilities follow nationally recognized medical guidelines. This program identifies leading doctors who meet quality standards based on the most up-to-date medical practices, clinical guidelines and expert physician advice. **Enrollers—see the Premium Training presentation on the Marketing Materials page of your Enroller Training website for more in-depth information on this program. http://www.uniprise.com/enrollmentresource/marketingmaterials.html
  • Online Hospital Comparison Program Find quality care on myuhc.com Compare costs and quality of health care facilities in treating special conditions Find national quality ratings and cost information on 54 procedures and conditions
  • Want to eat right, exercise more, stop smoking, or just relax? We can help and it begins with myuhc.com. Take a health assessment and receive personalized program information Get the latest health news, including a healthy recipes Take online quizzes to test your health knowledge Work with an online Health Coach to help guide you better health
  • PRESENTER NOTE: DO NOT USE THIS SLIDE IF USING CARE24. Did you ever wonder whether to go to an emergency room in the middle of the night or wait to see your doctor in the morning? Did you see your doctor about a health condition but couldn’t quite remember what he told you? Or would you like to find out whether you should feed a fever and starve a cold – or vice versa? Sometimes you want or need the personal touch when you have questions about your benefits or your health. UnitedHealthcare gives you access to nurse health coaches and other counselors – as appropriate for your medical needs - 24 hours a day, 7 days a week. They can be reached via an 800 number and they are there when you need them. In addition to extensive information available on the Web, our medical library also is available to you whenever you need it, simply by picking up the phone and dialing a tool-free number.
  • UnitedHealthcare can offer expert help in navigating life’s every day (and not so every day) challenges
  • If you are pregnant or planning a pregnancy the Health Pregnancy program is a valuable resource. You’ll have support through every stage of pregnancy and delivery. You’ll have access to 24/7 experienced nurses You can take a pregnancy assessment to help identify potential risks
  • Save 10 to 50 percent on many health care products and services not paid for by your benefit plan. Receive discounts on laser eye surgery, cosmetic dentistry, health club memberships, alternative medicine and many other services.
  • For many families, the woman of the household serves as the “Chief Medical Officer” of the family. If that sounds like your family, www.uhc.com/source4women could be a great resource. The site offers health plan information in plain language, tips on getting and keeping your family healthy, and online events to learn more about a variety of health topics.
  • We talked about a lot of things today: How to learn if your doctor is in our network. The coverage choices your employer is offering you. How to estimate what your out of pocket costs will be. And the tools and resources that UHC offers it’s members to help get and keep them healthy. I’ll be happy to take questions now if you have them, and I will stick around for a few minutes after the presentation if you would rather stop by and talk with me personally.
  • Thank you for taking the time to learn about your health plan options for next year. I hope I was able to help simplify what can be a confusing decision.
  • United Healthcare

    1. 1. Simple <ul><li>Health plan benefits you can understand. </li></ul>© 2008 UnitedHealthcare State of New Mexico 2010-2011
    2. 2. You have a lot to consider when you sign up for your health plan… So, Can Healthcare really be “Simple”? 1 2 3 Is my doctor in the network? How Does my Plan work? How do I manage my cost of health care? 4 How do I manage my healthcare?
    3. 3. Find your doctor <ul><li>www.myuhc.com/groups/nmex to find your doctor. You can search by: </li></ul><ul><ul><ul><li>Name </li></ul></ul></ul><ul><ul><ul><li>Specialty </li></ul></ul></ul><ul><ul><ul><li>Condition or procedure </li></ul></ul></ul><ul><ul><ul><li>Office hours </li></ul></ul></ul><ul><ul><ul><li>Gender </li></ul></ul></ul><ul><ul><ul><li>Education </li></ul></ul></ul><ul><ul><ul><li>Driving directions </li></ul></ul></ul><ul><ul><ul><li>Languages spoken </li></ul></ul></ul>Most likely, your doctor is in our nationwide network.
    4. 4. UnitedHealthcare Choice Plus plan <ul><ul><ul><li>Visit any physician or hospital in our network without a referral </li></ul></ul></ul><ul><ul><ul><li>No need to submit claims </li></ul></ul></ul><ul><ul><ul><li>Lower copayments for network care </li></ul></ul></ul><ul><ul><ul><li>Lower out-of-pocket costs for network care </li></ul></ul></ul><ul><li>Personalized care coordination services </li></ul><ul><li>Routine checkups included </li></ul><ul><ul><ul><li>Non-network care available </li></ul></ul></ul>
    5. 5. Your medical benefits at a glance Member deductibles Network benefit Non-network benefit <ul><li>Single </li></ul><ul><li>2 Person </li></ul><ul><li>Family </li></ul><ul><li>$400 </li></ul><ul><li>$800 </li></ul><ul><li>$1,200 </li></ul><ul><li>$1,600 </li></ul><ul><li>$3,200 </li></ul><ul><li>$4,800 </li></ul>Out-of- Pocket Maximum/policy year Network benefit Non-network benefit <ul><li>Single </li></ul><ul><li>2 Person </li></ul><ul><li>Family </li></ul><ul><li>$3,000 </li></ul><ul><li>$6,000 </li></ul><ul><li>$9,000 </li></ul><ul><li>$6,000 </li></ul><ul><li>$12,000 </li></ul><ul><li>$18,000 </li></ul>Lifetime Maximum Network benefit Non-network benefit Participants Unlimited Unlimited
    6. 6. Your medical benefits at a glance Type of coverage Network benefit Non-network benefit Physician’s office services $25 copayment- No Deductible 40% After deductible Specialist office visit $ 40 copayment- Deductible Applies 40% After deductible Emergency Room services $175 Copayment- Deductible Applies $175 Copayment In-patient hospital stay $400 Per admission- Deductible applies. 40% After deductible Urgent Care center services $50 Copayment – Deductible applies. $50 Copayment
    7. 7. Treatment Cost Estimator <ul><ul><ul><li>Provides cost estimates for specific treatments and procedures based on selected physician’s costs </li></ul></ul></ul><ul><ul><ul><li>Helps you understand the cost of treatment </li></ul></ul></ul><ul><ul><ul><li>Allows you to plan in advance of your health care need </li></ul></ul></ul>
    8. 8. Quicken Health ® Expense Tracker <ul><ul><ul><li>Simplifies claims information and medical terms </li></ul></ul></ul><ul><ul><ul><li>Shows what you owe your provider </li></ul></ul></ul><ul><ul><ul><li>Allows you to pay your bill online (Q1, 2010) </li></ul></ul></ul><ul><ul><ul><li>Shows CDH members’ account balances </li></ul></ul></ul><ul><ul><ul><li>Alerts you to possible physician billing errors </li></ul></ul></ul>
    9. 9. myuhc.com <ul><ul><ul><li>Find network doctors/hospitals </li></ul></ul></ul><ul><ul><ul><li>Estimate costs </li></ul></ul></ul><ul><ul><ul><li>Track claims status </li></ul></ul></ul><ul><ul><ul><li>Build a health improvement program </li></ul></ul></ul><ul><ul><ul><li>Keep a Personal Health Record </li></ul></ul></ul><ul><ul><ul><li>Get health product discounts </li></ul></ul></ul><ul><ul><ul><li>Review plan details </li></ul></ul></ul>
    10. 10. UnitedHealth Premium ® designation program <ul><ul><ul><li>Doctors and cardiac facilities that follow medical guidelines </li></ul></ul></ul><ul><ul><ul><li>Compare quality and costs of health care facilities </li></ul></ul></ul><ul><ul><ul><li>Look for the stars when you search for a physician </li></ul></ul></ul>
    11. 11. Hospital Comparison Program <ul><ul><ul><li>On myuhc.com </li></ul></ul></ul><ul><ul><ul><li>Find national quality ratings and cost information on 54 procedures and conditions </li></ul></ul></ul><ul><ul><ul><li>Side-by-side hospital comparisons on cost and quality based on specific procedures </li></ul></ul></ul>
    12. 12. Personal Health Record <ul><ul><ul><li>Keep health and medical history </li></ul></ul></ul><ul><ul><ul><li>Manage health history and lifestyle habits; track stats: blood pressure, cholesterol, and weight </li></ul></ul></ul><ul><ul><ul><li>Summary of conditions, medications, procedures, and lab results </li></ul></ul></ul><ul><ul><ul><li>Download it to computer; print to share with doctor </li></ul></ul></ul>myuhc.com
    13. 13. Wellness resources <ul><ul><ul><li>Health assessment and personalized program information </li></ul></ul></ul><ul><ul><ul><li>Latest health news, including healthy recipes </li></ul></ul></ul><ul><ul><ul><li>Online quizzes to test your health knowledge </li></ul></ul></ul><ul><ul><ul><li>Online health coach that provides you with information that may improve your health </li></ul></ul></ul>myuhc.com
    14. 14. NurseLine SM <ul><ul><ul><li>Connect with a registered nurse any time </li></ul></ul></ul><ul><ul><ul><li>Get health information from a registered nurse by phone </li></ul></ul></ul><ul><ul><ul><li>Prepare yourself before seeking a doctor’s care </li></ul></ul></ul><ul><ul><ul><li>Recorded messages on thousands of health topics </li></ul></ul></ul><ul><ul><ul><li>Communicate in live, one-to-one Nurse Chats at myuhc.com </li></ul></ul></ul>myuhc.com
    15. 15. Behavioral health support <ul><ul><ul><li>Receive confidential, specialized help </li></ul></ul></ul><ul><ul><ul><li>For anxiety, stress, depression and coping with change </li></ul></ul></ul><ul><ul><ul><li>Licensed and certified professionals </li></ul></ul></ul>
    16. 16. Healthy Pregnancy program <ul><ul><ul><li>Get support through every stage of pregnancy and delivery </li></ul></ul></ul><ul><ul><ul><li>Nurses available, toll-free, 24/7 </li></ul></ul></ul><ul><ul><ul><li>Personalized pregnancy assessment </li></ul></ul></ul><ul><ul><ul><li>Free pregnancy book and healthy baby bag </li></ul></ul></ul><ul><ul><ul><li>Discount on PJ’s Comfort </li></ul></ul></ul>
    17. 17. Health discounts <ul><li>Save 20 – 50 percent on products and services not in plan </li></ul><ul><ul><ul><li>Laser eye surgery </li></ul></ul></ul><ul><ul><ul><li>Cosmetic dentistry </li></ul></ul></ul><ul><ul><ul><li>Health club memberships </li></ul></ul></ul><ul><ul><ul><li>Weight loss programs and more </li></ul></ul></ul>www.myuhc.com under “Health & Wellness”
    18. 18. Source4Women <ul><ul><ul><li>Get health plan information in plain language </li></ul></ul></ul><ul><ul><ul><li>Connect with women in your community </li></ul></ul></ul><ul><ul><ul><li>Get tips to consider on getting and staying healthy </li></ul></ul></ul><ul><ul><ul><li>Attend online seminars and events </li></ul></ul></ul>
    19. 19. You have a lot to consider when you sign up for your health plan <ul><li>Access to a really big network- </li></ul><ul><ul><li>617,00 Providers and 5,010 Hospitals through out the United States. </li></ul></ul><ul><ul><li>4,824 Providers in NM Alone </li></ul></ul>What do I really get with UHC? <ul><li>Access to online and personal resource to help you manage your cost of care. </li></ul><ul><li>Access to a true partner who’s interested in you and your families health. </li></ul>
    20. 20. <ul><ul><ul><li>Visit www.myuhc.com/groups/nmex </li></ul></ul></ul><ul><ul><ul><li>1-800-842-0241 </li></ul></ul></ul>© 2008 UnitedHealthcare Simple Health plan benefits you can understand. Confidential property of UnitedHealth Group. Do not distribute or reproduce without the express permission of UnitedHealth Group. © 2009 United HealthCare Services, Inc. UHCEW439246-000