Medical Plan

• Medical benefits with an annual limit on how much you have to pay out of your own pocket
• Up to 100 percent coverage for preventive care. Please see your official benefit plan information for detail

Definity Health Reimbursement Account

• Funded 100 percent by your employer to help you meet your annual deductible
• Pays for your eligible medical and pharmacy expenses before you pay anything yourself
• Unused dollars from your HRA will carry over to next year, and your employer will again fund the full amount of the HRA

Definity HRA plan advantages

• Because you are sharing cost with your employer, your monthly premiums may be lower than with another type of plan
• You choose how your health care dollars are spent
• Your preventive care is covered up to 100 percent
• Generally, you pay less if you choose a doctor from our network
• Unused HRA dollars carry over to next-year’s plan, and your employer will again fully fund your HRA, further reducing your out-of-pocket portion of the deductible.
• Tools on myuhc.com® to help you:
  • check eligible expenses
  • check costs for treatment ahead of time
  • find the best doctors and hospitals
  • manage your claims

Here's how the plan works:

• Your health expenses are paid by your HRA first
• Your employer contributes money to your account each year
• Your HRA pays your eligible medical and pharmacy expenses as long as there are funds in it
• These payments apply toward your annual deductible
• You make no copayment at your doctor's office

Then, you pay the rest of your deductible

• Your annual deductible is the amount you need to pay before your medical plan pays
• If you use all of your HRA, you then pay the rest of the deductible amount out of your own pocket
• Preventive care is covered up to 100 percent, whether or not you have met your deductible

After that, you pay only coinsurance

• Once you have met your deductible, you and the medical plan share expenses. You may see this referred to as coinsurance
• For your protection, there is a limit on how much you need to pay out of your own pocket. This is called the out-of-pocket maximum
• After you reach your out-of-pocket maximum, all eligible expenses are covered up to 100 percent for the rest of the year