Coverage under this plan qualifies as minimum essential coverage. Please visit the Internal Revenue Service (IRS) website at www.irs.gov/uac/Questions-and-Answers-on-the-Individual-Shared-Responsibility-Provision for more information on the individual requirement for MEC.

See www.opm.gov/healthcare-insurance for enrollment information as well as:

• Information on the FEHB Program and plans available to you
• A health plan comparison tool
• A list of agencies who participate in Employee Express
• A link to Employee Express
• Information on and links to other electronic enrollment systems

Also, your employing or retirement office can answer your questions, give you other plans' brochures, and other materials you need to make an informed decision about your FEHB coverage. These materials tell you:

• When you may change your enrollment
• How you can cover your family members
• What happens when you transfer to another Federal agency, go on leave without pay, enter military service, or retire
• What happens when your enrollment ends
• When the next Open Season for enrollment begins

We do not determine who is eligible for coverage and, in most cases, cannot change your enrollment status without information from your employing or retirement office. For information on your premium deductions, you must also contact your employing or retirement office.

Once enrolled in your FEHB Program Plan, you should contact your carrier directly for address updates and questions about your benefit coverage.

Self Only coverage is only for the enrollee. Self Plus One coverage is for the enrollee and one eligible family member. Self and Family coverage is for the enrollee, and one or more eligible family members. Family members include your spouse and your dependent children under age 26, including any foster children authorized for coverage by your employing agency or retirement office. Under certain circumstances, you may also continue coverage for a disabled child 26 years of age or older who is incapable of self-support.

If you have a Self Only enrollment, you may change to a Self Plus One or Self and Family enrollment if you marry, give birth, or add a child to your family. You may change your enrollment 31-days before to 60-days after that event. The Self Plus One or Self and Family enrollment begins on the first day of the pay period in which the child is born or becomes an eligible family member. When you change to Self Plus One or Self and Family because you marry, the change is effective on the first day of the pay period that begins after your employing office receives your enrollment form. Benefits will not be available to your spouse until you are married.  A carrier may request that an enrollee verify the eligibility of any or all family members listed as covered under the enrollee’s FEHB enrollment.

Contact your carrier to add a family member when there is already family Coverage.

Contact your employing or retirement office if you are changing from Self to Self Plus One or Self and Family or to add a family member if you currently have a Self Only plan.

Your employing or retirement office will not notify you when a family member is no longer eligible to receive benefits, nor will we. Please tell us immediately of changes in family member status, including your marriage, divorce, annulment, or when your child reaches age 26.

If you or one of your family members is enrolled in one FEHB plan, you or they cannot be enrolled in or covered as a family member by another enrollee in another FEHB plan.

If you have a qualifying life event (QLE) - such as marriage, divorce, or the birth of a child - outside of the Federal Benefits Open Season, you may be eligible to enroll in the FEHB Program, change your enrollment, or cancel coverage. For a complete list of QLEs, visit the FEHB website at www.opm.gov/healthcare-insurance/life-events. If you need assistance, please contact your employing agency, Tribal Benefits Officer, personnel/payroll office, or retirement office.

Family members covered under your Self and Family enrollment are your spouse (including your spouse by a valid common-law marriage from a state that recognizes common-law marriages) and children as described below. A Self Plus One enrollment covers you and your spouse, or one other eligible family member as described below.

Natural children, adopted children, and stepchildren
Coverage: Natural children, adopted children, and stepchildren are covered until their 26th birthday.

Foster children
Coverage: Foster children are eligible for coverage until their 26th birthday if you provide documentation of your regular and substantial support of the child and sign a certification stating that your foster child meets all the requirements. Contact your human resources office or retirement system for additional information.

Children incapable of self-support
Coverage: Children who are incapable of self-support because of a mental or physical disability that began before age 26 are eligible to continue coverage. Contact your human resources office or retirement system for additional information.

Married children
Coverage: Married children (but NOT their spouse or their own children) are covered until their 26th birthday.

Children with or eligible for employer-provided health insurance
Coverage: Children who are eligible for or have their own employer-provided health insurance are covered until their 26th birthday.

Newborns of covered children are insured only for routine nursery care during the covered portion of the mother's maternity stay.

You can find additional information at www.opm.gov/healthcare-insurance.

OPM implements the Federal Employees Health Benefits Children’s Equity Act of 2000.  This law mandates that you be enrolled for Self Plus One or Self and Family coverage in the FEHB Program, if you are an employee subject to a court or administrative order requiring you to provide health benefits for your child(ren).

If this law applies to you, you must enroll in Self Plus One or Self and Family coverage in a health plan that provides full benefits in the area where your children live or provide documentation to your employing office that you have obtained other health benefits coverage for your children.  If you do not do so, your employing office will enroll you involuntarily as follows:

• If you have no FEHB coverage, your employing office will enroll you for Self Plus One or Self and Family coverage, as appropriate, in the lowest-cost nationwide plan option as determined by OPM. 
• If you have a Self Only enrollment in a fee-for-service plan or in an HMO that serves the area where your children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the same option of the same plan; or
• If you are enrolled in an HMO that does not serve the area where the children live, your employing office will change your enrollment to Self Plus One or Self and Family, as appropriate, in the lowest-cost nationwide plan option as determined by OPM. 

As long as the court/administrative order is in effect, and you have at least one child identified in the order who is still eligible under the FEHB Program, you cannot cancel your enrollment, change to Self Only, or change to a plan that does not serve the area in which your children live, unless you provide documentation that you have other coverage for the children. 

If the court/administrative order is still in effect when you retire, and you have at least one child still eligible for FEHB coverage, you must continue your FEHB coverage into retirement (if eligible) and cannot cancel your coverage, change to Self Only, or change to a plan that does not serve the area in which your children live as long as the court/administrative order is in effect. Similarly, you cannot change to Self Plus One if the court/administrative order identifies more than one child. Contact your employing office for further information.

The benefits in this brochure are effective on January 1. If you joined this Plan during Open Season, your coverage begins on the first day of your first pay period that starts on or after January 1. If you changed plans or plan options during Open Season and you receive care between January 1 and the effective date of coverage under your new plan or option, your claims will be processed according to the 2023 benefits of your prior plan or option. If you have met (or pay cost-sharing that results in your meeting) the out-of-pocket maximum under the prior plan or option, you will not pay cost-sharing for services covered between January 1 and the effective date of coverage under your new plan or option. However, if your prior plan left the FEHB Program at the end of the year, you are covered under that plan’s 2022 benefits until the effective date of your coverage with your new plan. Annuitants’ coverage and premiums begin on January 1. If you joined at any other time during the year, your employing office will tell you the effective date of coverage.

If your enrollment continues after you are no longer eligible for coverage (i.e. you have separated from Federal service) and premiums are not paid, you will be responsible for all benefits paid during the period in which premiums were not paid.  You may be billed for services received directly from your provider.  You may be prosecuted for fraud for knowingly using health insurance benefits for which you have not paid premiums.  It is your responsibility to know when you or a family member are no longer eligible to use your health insurance coverage.

You will receive an additional 31-days of coverage, for no additional premium, when:

• Your enrollment ends, unless you cancel your enrollment, or
• You are a family member no longer eligible for coverage.

Any person covered under the 31-day extension of coverage who is confined in a hospital or other institution for care or treatment on the 31st day of the temporary extension is entitled to continuation of the benefits of the Plan during the continuance of the confinement but not beyond the 60th day after the end of the 31-day temporary extension.

You may be eligible for spouse equity coverage or Temporary Continuation of Coverage (TCC) or a conversion policy (a non-FEHB individual policy).

If you are divorced from a Federal employee or annuitant, you may not continue to get benefits under your former spouse’s enrollment. This is the case even when the court has ordered your former spouse to provide health coverage for you. However, you may be eligible for your own FEHB coverage under either the spouse equity law or Temporary Continuation of Coverage (TCC). If you are recently divorced or are anticipating a divorce, contact your ex-spouse’s employing or retirement office to get information about your coverage choices. You can also visit OPM’s Web site, www.opm.gov/healthcare-insurance/healthcare/plan-information/.  A carrier may request that an enrollee verify the eligibility of any or all family members listed as covered under the enrollee's FEHB enrollment. 

If you leave Federal service, Tribal employment, or if you lose coverage because you no longer qualify as a family member, you may be eligible for Temporary Continuation of Coverage (TCC). For example, you can receive TCC if you are not able to continue your FEHB enrollment after you retire, if you lose your Federal or Tribal job, or if you are a covered child and you turn 26.

You may not elect TCC if you are fired from your Federal or Tribal job due to gross misconduct.

Enrolling in TCC. Get the RI 79-27, which describes TCC, from your employing or retirement office or from www.opm.gov/healthcare-insurance . It explains what you have to do to enroll.

Alternatively, you can buy coverage through the Health Insurance Marketplace where, depending on your income, you could be eligible for a  tax credit that lowers your monthly premiums. Visit www.HealthCare.gov to compare plans and see what your premium, deductible, and out-of-pocket costs would be before you make a decision to enroll.  Finally, if you qualify for coverage under another group health plan (such as your spouse’s plan), you may be able to enroll in that plan, as long as you apply within 30 days of losing FEHB Program coverage.

You may convert to a non-FEHB individual policy if:

• Your coverage under TCC or the spouse equity law ends (If you canceled your coverage or did not pay your premium, you cannot convert);
• You decided not to receive coverage under TCC or the spouse equity law; or
• You are not eligible for coverage under TCC or the spouse equity law.

If you leave Federal or Tribal service, your employing office will notify you of your right to convert. You must contact us in writing within 31 days after you receive this notice. However, if you are a family member who is losing coverage, the employing or retirement office will not notify you. You must contact us in writing within 31 days after you are no longer eligible for coverage.

Your benefits and rates will differ from those under the FEHB Program; however, you will not have to answer questions about your health, a waiting period will not be imposed, and your coverage will not be limited due to pre-existing conditions. When you contact us, we will assist you in obtaining information about health benefits coverage inside or outside the Affordable Care Act’s Health Insurance Marketplace guaranteed issue in your state. For assistance in finding coverage, please contact us at 877-835-9861.

If you would like to purchase health insurance through the ACA's Health Insurance Marketplace, please visit www.HealthCare.gov.  This is a website provided by the U.S. Department of Health and Human Services that provides up-to-date information on the Marketplace.

We will send you an identification (ID) card when you enroll. You should carry your ID card with you at all times. You must show it whenever you receive services from a Plan provider, or fill a prescription at a Plan pharmacy. Until you receive your ID card, use your copy of the Health Benefits Election Form, SF-2809, your health benefits enrollment confirmation letter (for annuitants), or your electronic enrollment system (such as Employee Express) confirmation letter.

If you do not receive your ID card within 30-days after the effective date of your enrollment, or if you need replacement cards, call us at 1-877-835-9861, or write to us at United Healthcare Insurance Company  Inc., Federal Employees Health Benefits (FEHB) Program, at P.O. Box 30432, Salt Lake City, UT 84130-0432. You may also print temporary cards and request replacement cards through our web site www.myuhc.com.

FEHB Carriers must have clauses in their in-network (participating) providers agreements.  These clauses provide that, for a service that is a covered benefit in the plan brochure or for services determined not medically necessary, the in-network provider agrees to hold the covered individual harmless (and may not bill) for the difference between the billed charge and the in network contracted amount.  If an in-network provider bills you for covered services over your normal cost share (deductible, copay, co-insurance) contact your Carrier to enforce the terms of its provider contract.

Plan providers are physicians and other healthcare professionals in our service area that we contract with to provide covered services to our members. We credential Plan providers according to national standards.

We list Plan providers in the provider directory, which we update periodically. The provider search tool is available on our Web sites at www.myuhc.com and  www.uhcfeds.com.

This plan recognizes that transgender, non-binary, and other gender diverse members require health care delivered by healthcare providers experienced in gender affirming health. Benefits described in this brochure are available to all members meeting medical necessity guidelines regardless of race, color, national origin, age, disability, religion, sex or gender.

This plan provides Care Coordinators for complex conditions and can be reached at 877-835-9861 and/or myuhc.com for assistance.

Plan facilities are hospitals and other facilities in our service area that we contract with to provide covered services to our members. We list these in the provider directory, which we update periodically. The provider search tool is available from our Web sites www.myuhc.com and www.uhcfeds.com.

You do not need to select a primary care physician and you do not need to get written referrals to see a contracted specialist for medical services. The provider must be participating for services to be covered. You need to call Customer Service at 1-877-835-9861 to obtain authorization for some services. Prior authorization for Prosthetic devices or durable medical equipment is required when the item costs more than $1,000 or for some therapies, radiology and procedures.  Please refer to prior approval in this section for more information or call customer service at 1-877-835-9861. The Plan will provide benefits for covered services only when the services are medically necessary to prevent, diagnose or treat your illness or condition.

Your primary care physician (PCP) can be a family practitioner, internist, or pediatrician. Your primary care physician (PCP) will provide most of your healthcare. You have 100% coverage, for all ages, for Primary Care visits with this plan.  If you want to change primary care physicians or your primary care physician leaves the Plan call us.  We will help you select a new one. 

You do not need to have a referral to see a participating specialist.  If you need the care of a specialist, you may select a specialist from our provider directory, or call your PCP who will assist you in locating an appropriate participating provider. 

Here are some other things you should know about specialty care:

• If you are seeing a specialist when you enroll in our Plan, check with the specialist to verify that the specialist is participating with the Plan. If the specialist is contracted with the Plan, you may continue to see the provider. If your current specialist does not participate with us, you must receive treatment from a specialist who does. Generally, we will not pay for you to see a specialist who does not participate with our Plan.
• If you are seeing a specialist and your specialist leaves the Plan, call your primary care physician, who can assist you in locating another specialist.
• If you have a chronic and disabling condition and lose access to your specialist because we:
  • terminate our contract with your specialist for other than cause;
  • drop out of the Federal Employees Health Benefits (FEHB) Program and you enroll in another FEHB program plan; or
  • reduce our service area and you enroll in another FEHB plan,

you may be able to continue seeing your specialist for up to 90 days after you receive notice of the change. Contact us, or if we drop out of the Program, contact your new plan.

If you are in the second or third trimester of pregnancy and you lose access to your specialist based on the above circumstances, you can continue to see your specialist until the end of your postpartum care, even if it is beyond the 90 days.

Your Plan primary care physician or specialist will make necessary hospital arrangements and supervise your care. This includes admission to a skilled nursing or other type of facility.

We pay for covered services from the effective date of your enrollment.  However, if you are in the hospital when your enrollment in our Plan begins, call our customer service department immediately at 877-835-9861 If you are new to the FEHB Program, we will arrange for you to receive care and provide benefits for your covered services while you are in the hospital beginning on the effective date of your coverage.

If you changed from another FEHB plan to us, your former plan will pay for the hospital stay until:

• you are discharged, not merely moved to an alternative care center;
• the day your benefits from your former plan run out; or
• the 92^nd day after you become a member of this Plan, whichever happens first.

Since your provider schedules most procedures and inpatient hospitalization, the pre-service claim approval process applies to care shown under Other services.

You do not need to have a referral to see a participating specialist. For certain services, however, you or your physician must obtain prior approval from us. We call this review and approval process prior notification. You or your physician must obtain prior notification for some services such as, but not limited to the following:

• Applied Behavioral Analysis (ABA)
• Capsule endoscopy
• Clinical trials
• Congenital anomaly repair
• CT Scans (Computed tomography)
• Dialysis
• Discectomy/fusion
• Durable medical equipment over $1,000 
• Electro-convulsive therapy 
• Gender Dysphoria / Gender Affirming surgery
• Growth hormone therapy (GHT)
• Hysterectomy
• Iatrogenic Infertility Treatments
• Inpatient Hospitalization
• Intensive Outpatient treatments
• Joint replacement 
• Magnetic resonance angiogram (MRA) 
• Magnetic resonance imaging (MRI) 
• Morbid obesity surgery 
• Nuclear medicine studies including nuclear cardiology. 
• Orthopedic and prosthetic devices over $1,000
• Partial hospitalization
• PET scans
• Psychological, neurophysiological and extended developmental testing
• Reconstructive surgery
• Rhinoplasty/septo-rhinoplasty
• Sleep apnea - surgery and appliance (with sleep studies); sleep studies (polysomnograms) - attended
• Substance use disorder treatments
• Vein Ablation
• Virtual Colonoscopy
• Transplants

First, your physician, your hospital, you, or your representative, must call us at 1-877-835-9861 before admission or services requiring prior authorization are rendered.

Next, provide the following information:

• enrollee’s name and Plan identification number;
• patient’s name, birth date, identification number and phone number;
• reason for hospitalization, proposed treatment, or surgery;
• name and phone number of admitting physician;
• name of hospital or facility; and
• number of planned days of confinement.

For non-urgent care claims, we will tell the physician and/or hospital the number of approved inpatient days, or the care that we approve for other services that must have prior authorization. We will make our decision within 15-days of receipt of the pre-service claim. If matters beyond our control require an extension of time, we may take up to an additional 15-days for review and we will notify you of the need for an extension of time before the end of the original 15-day period. Our notice will include the circumstances underlying the request for the extension and the date when a decision is expected.

If we need an extension because we have not received necessary information from you, our notice will describe the specific information required and we will allow you up to 60-days from the receipt of the notice to provide the information.

If you have an urgent care claim (i.e., when waiting for the regular time limit for your medical care or treatment could seriously jeopardize your life, health, or ability to regain maximum function, or in the opinion of a physician with knowledge of your medical condition, would subject you to severe pain that cannot be adequately managed without this care or treatment), we will expedite our review and notify you of our decision within 72 hours.  If you request that we review your claim as an urgent care claim, we will review the documentation you provide and decide whether or not it is an urgent care claim by applying the judgment of a prudent layperson that possesses an average knowledge of health and medicine.

If you fail to provide sufficient information, we will contact you within 24 hours after we receive the claim to let you know what information we need to complete our review of the claim. You will then have up to 48 hours to provide  the required information. We will make our decision on the claim within 48 hours of (1) the time we received the additional information or (2) the end of the time frame, whichever is earlier.

We may provide our decision orally within these time frames, but we will follow up with written or electronic notification within three days of oral notification.

You may request that your urgent care claim on appeal be reviewed simultaneously by us and OPM.  Please let us know that you would like a simultaneous review of your urgent care claim by OPM either in writing at the time you appeal our initial decision, or by calling us at 1-877-835-9861. You may also call OPM’s FEHB 3 at 202-606-0737 between 8 a.m. and 5 p.m. Eastern Time to ask for the simultaneous review.  We will cooperate with OPM so they can quickly review your claim on appeal.  In addition, if you did not indicate that your claim was a claim for urgent care, call us at 1-877-835-9861. If it is determined that your claim is an urgent care claim, we will expedite our review (if we have not yet responded to your claim).

A concurrent care claim involves care provided over a period of time or over a number of treatments.  We will treat any reduction or termination of our pre-approved course of treatment before the end of the approved period of time or number of treatments as an appealable decision. This does not include reduction or termination due to benefit changes or if your enrollment ends.  If we believe a reduction or termination is warranted we will allow you sufficient time to appeal and obtain a decision from us before the reduction or termination takes effect. 

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

If you have an emergency admission due to a condition that you reasonably believe puts your life in danger or could cause serious damage to bodily function, you, your representative, the physician, or the hospital must phone us within two business days following the day of the emergency admission, even if you have been discharged from the hospital

Your physician, your hospital, you or your representative, must call us at 1-877-835-9861 prior to admission. 

Further, if your baby stays after you are discharged, then your physician or the hospital must contact us for precertification of additional days for your baby.

Note: When a newborn requires definitive treatment during or after the mother’s confinement, the newborn is considered a patient in his or her own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits.

If you request an extension of an ongoing course of treatment at least 24 hours prior to the expiration of the approved time period and this is also an urgent care claim, we will make a decision within 24 hours after we receive the claim.

If you have a pre-service claim and you do not agree with our decision regarding precertification of an inpatient admission or prior approval of other services, you may request a review in accord with the procedures detailed below. If your claim is in reference to a contraceptive call 877-835-9861. 

If you have already received the service, supply, or treatment, then you have a post-service claim and must follow the entire disputed claims process detailed in Section 8.

Within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision.  Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure. 

In the case of a pre-service claim and subject to a request for additional information, we have 30-days from the date we receive your written request for reconsideration to

1. Precertify your hospital stay or, if applicable, arrange for the healthcare provider to give you the care or grant your request for prior approval for a service, drug, or supply; or

2. Ask you or your provider for more information.

You or your provider must send the information so that we receive it within 60-days of our request.  We will then decide within 30 more days.

If we do not receive the information within 60-days, we will decide within 30-days of the date the information was due.  We will base our decision on the information we already have.  We will write to you with our decision.

3. Write to you and maintain our denial.

In the case of an appeal of a pre-service urgent care claim, within 6 months of our initial decision, you may ask us in writing to reconsider our initial decision.  Follow Step 1 of the disputed claims process detailed in Section 8 of this brochure. 

Subject to a request for additional information, we will notify you of our decision within 72 hours after receipt of your reconsideration request.  We will expedite the review process, which allows oral or written requests for appeals and the exchange of information by phone, electronic mail, facsimile, or other expeditious methods.

A copayment is a fixed amount of money you pay to the provider, facility, pharmacy, etc., when you receive certain services.

Example: When you see your primary care physician you have no copayment for any office visits in this plan.  Your copayment for a specialist visit is $60.  

Coinsurance is the percentage of our allowance that you must pay for your care.  Coinsurance does not begin until you have met your calendar year deductible. 

Example: In our Plan, you pay 20% of our allowance for durable medical equipment. 

A deductible is a fixed expense you must incur for certain covered services and supplies before we start paying benefits for them.  Copayments do not count toward any deductible. 

• The calendar year deductible is $500 for a self only enrollment and $1,000 for a Self plus One or Self and Family enrollment. Under a Self Only enrollment, the deductible is considered satisfied and benefits are payable for you when your covered expenses applied to the calendar year deductible for your enrollment reach $500.  Under a Self Plus One enrollment, the deductible is considered satisfied and benefits are payable for you and one other eligible family member when the combined covered expenses applied to the calendar year deductible for your enrollment reach $1,000. Under a Self and Family enrollment, the deductible is considered satisfied and benefits are payable for all family members when the combined covered expenses applied to the calendar year deductible for family members reach $1,000. 
• Your pharmacy deductible which is applicable only for Tier 3 and Tier 4 drugs is: $250 for Self Only and $500 for Self Plus One or Self and Family. The pharmacy deductible does not apply to any Tier 1 or Tier 2 drugs.
• Note: If you change plans during Open Season, you do not have to start a new deductible under your prior plan between January 1 and the effective date of your new plan.  If you change plans at another time during the year, you must begin a new deductible under your new plan.
• See section 5 for benefits that are available prior to the deductible being met such as primary care physician and more. 

You should also see section Important Notice About Surprise Billing – Know Your Rights below that describes your protections against surprise billing under the No Surprises Act.

After your out-of-pocket expenses, including any applicable deductibles, copayments and coinsurance total $7,350 for Self Only, or $14,700 for a Self Plus One or Self and Family enrollment in any calendar year, you do not have to pay any more for covered services.

The maximum annual limitation on cost sharing listed under Self Only of $7,350 applies to each individual, regardless of whether the individual is enrolled in Self Only, Self Plus One, or Self and Family.

Example Scenario:  Your plan has a $7,350 Self Only maximum out-of-pocket limit and a $14,700 Self Plus One or Self and Family maximum out-of-pocket limit. If you or one of your eligible family members has out-of-pocket qualified medical expenses of $7,350 or more for the calendar year, any remaining qualified medical expenses for that individual will be covered fully by your health plan.  With a Self plus One or Self and Family enrollment the out-of-pocket maximum of $14,700, a second family member, or an aggregate of other eligible family members, will continue to accrue out-of-pocket qualified medical expenses up to a maximum of $14,700 for the calendar year before their qualified medical expenses will begin to be covered in full. 

However, copayments and coinsurance, if applicable for the following services do not count toward your catastrophic protection out-of-pocket maximum, and you must continue to pay copayments and coinsurance for these services:

• Copayments or coinsurance for chiropractic services 
• Expenses for services and supplies that exceed the stated maximum dollar or day limit
• Expenses from utilizing out-of-network providers

Be sure to keep accurate records and receipts of your copayments and coinsurance to ensure the plan’s calculation of your out-of-pocket maximum is reflected accurately.

If you changed to this Plan during Open Season from a plan with a catastrophic protection benefit and the effective date of the change was after January 1, any expenses that would have applied to that plan’s catastrophic protection benefit during the prior year will be covered by your prior plan if they are for care you received in January before your effective date of coverage in this Plan. If you have already met your prior plan’s catastrophic protection benefit level in full, it will continue to apply until the effective date of your coverage in this Plan. If you have not met this expense level in full, your prior old plan will first apply your covered out-of-pocket expenses until the prior year’s catastrophic level is reached and then apply the catastrophic protection benefit to covered out-of-pocket expenses incurred from that point until the effective date of your coverage in this Plan. Your prior plan will pay these covered expenses according to this year’s benefits; benefit changes are effective January 1.

The No Surprises Act (NSA) is a federal law that provides you with protections against “surprise billing” and “balance billing” under certain circumstances. A surprise bill is an unexpected bill you receive from a nonparticipating health care provider, facility, or air ambulance service for healthcare. Surprise bills can happen when you receive emergency care – when you have little or no say in the facility or provider from whom you receive care. They can also happen when you receive non-emergency services at participating facilities, but you receive some care from nonparticipating providers.

Balance billing happens when you receive a bill from the nonparticipating provider, facility, or air ambulance service for the difference between the nonparticipating provider's charge and the amount payable by your health plan.

Your health plan must comply with the NSA protections that hold you harmless from unexpected bills. 

In addition, your health plan adopts and complies with the surprise billing laws of the District of Columbia.  

For specific information on surprise billing, the rights and protections you have, and your responsibilities go to www.uhcfeds.com or contact the health plan at 877-835-9861.

• Healthcare FSA (HCFSA) – Reimburses you for eligible out-of-pocket healthcare expenses (such as copayments, deductibles, physician prescribed over-the-counter drugs and medications, vision and dental expenses, and much more) for you, your tax dependents, and your adult children (through the end of the calendar year in which they turn 26).
• FSAFEDS offers paperless reimbursement for your HCFSA through a number of FEHB and FEDVIP plans. This means that when you or your provider files claims with your FEHB or FEDVIP plan, FSAFEDS will automatically reimburse your eligible out-of-pocket expenses based on the claim information it receives from your plan.

No copayments for preventive care services.  This includes items such as, but not limited to, immunizations, physical examinations and screenings as appropriate and recommended by U.S. Preventive Services Task Force. Please refer to Section 5 of the brochure for more detail.

Visit to your Primary Care Physician (PCP) all ages - You pay nothing and deductible does not apply

Virtual visit - You pay nothing and deductible does not apply 

Visit to Specialist - you pay $60 copayment  - Deductible does not apply

$50 copayment - Deductible does not apply

You pay 20% coinsurance 

You pay 20% coinsurance in an approved free-standing surgical center or 20% coinsurance plus $250 per occurrence deductible  in a hospital-based surgical center. 

You pay 20% coinsurance 

You pay: Regular cost sharing 

Tier 1: $5 copayment

Tier 2: $50 copayment

Tier 3: $100 copayment

Tier 4: $150 copayment

Note: Tier 3 and Tier 4 medications subject to deductible of $250 for Self Only, $500 for Self Plus One or Self and Family 

Tier 1: $12.50 copayment

Tier 2: $125 copayment

Tier 3: $250 copayment

Tier 4: $375 copayment

Note: Tier 3 and Tier 4 medications are subject to a pharmacy deductible of $250 for Self Only, $500 for Self Plus One or Self and Family

Tier 1 $5 copayment

Tier 2 $150 copayment

Tier 3 $350 copayment

Tier 4 $500 copayment

You pay 20% coinsurance

Note: Children have preventive eye examinations as described in the Bright Future Guidelines with 100% coverage

No deductible

You pay nothing

You pay nothing

You pay nothing

You pay nothing

You pay nothing

You pay nothing

You pay:

Tier 1: $6 copayment

Tier 2: $25 copayment

Tier 3: $60 copayment

Tier 4: $90 copayment

Professional services of physicians (Primary Care) 

• In physician’s office/telephonic
• Optum Primary care
• Office medical consultations
• Advanced care planning

You pay nothing, not subject to deductible

Professional services of physicians (Specialist) 

• In physician’s office/telephonic Office
• Medical consultations
• Second Surgical opinion
• Advanced care planning

Second Opinion Benefit with 2nd MD - An additional Second Opinion Benefit has been added.  You now have access to personalized second opinions by video or by phone through the Second Opinion Program.  Second Opinion is powered by 2nd MD, a third-party-vendor, to assist you with more informed decision making.  The plan pays 100% for this program when the 2nd MD is the provider.  This is an in-network only option.  It does not change your cost sharing costs for your second opinion benefit when utilized through other providers

You pay nothing 

Professional services of physicians

• In an urgent care center
• During a hospital stay
• In a skilled nursing facility
• At home

You pay: 20% coinsurance

Use virtual visits when :

• Your doctor is not available
• You become ill while traveling
• Conditions such as: cold, flu, bladder infection, bronchitis, diarrhea, fever, pink eye, rash, sinus problem, sore throat, stomach ache

Network Benefits are available only when services are delivered through a UHC Designated Virtual Visit Network Provider.

Find a Designated Virtual Visit Network Provider Group at myuhc.com or by calling Customer Care at 877-835-9861. Virtual Visits and prescription services are subject to state regulations. You can pre-register with a group. After registering and requesting a visit you will pay your portion of service costs and then you enter a virtual waiting room. 

You pay nothing - not subject to deductible 

Tests, such as:

• Blood tests
• Urinalysis
• Non-routine pap tests
• Pathology
• X-rays
• Non-routine mammograms
• Ultrasound
• Electrocardiogram and EEG

You pay: 20% coinsurance

• CT/CAT Scans
• MRI
• PET Scans

You pay: 20% coinsurance

Routine physical every year

The following preventive services are covered at the time interval recommended at each of the links below.

• Immunizations such as Pneumococcal, influenza, shingles, tetanus/DTaP, and human papillomavirus (HPV). For a complete list of immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/schedules/
• Screenings such as cancer, osteoporosis, depression, diabetes, high blood pressure, total blood cholesterol, HIV, and colorectal cancer screening. For a complete list of screenings go to the U.S. Preventive Services Task Force (USPSTF) website at https://www.uspreventiveservicestaskforce.org
• Individual counseling on prevention and reducing health risks
• Preventive care benefits for women such as Pap smears, gonorrhea prophylactic medication to protect newborns, annual counseling for sexually transmitted infections, contraceptive methods, and screening for interpersonal and domestic violence. For a complete list of preventive care benefits for women go to the Health and Human Services (HHS) website at https://www.healthcare.gov/preventive-care-women/
• To build your personalized list of preventive services go to https://health.gov/myhealthfinder

You pay nothing 

One annual biometric screening, determined by age and frequency recommendations,  to include:

• Body mass index (BMI)
• Blood pressure
• Lipid/cholesterol levels
• Glucose/hemoglobin A1c measurement

Note: Office visit and lab services must be rendered on the same day and coded by your doctor as preventive to be covered in-full

Members can complete their HRA  (Health Risk Assessment) on www.myuhc.com

You pay nothing

Routine mammogram - covered 

You pay nothing

Adult immunizations endorsed by the Centers for Disease Control and Prevention (CDC); based on the Advisory Committee on Immunization Practices (ACP) schedule

You pay nothing

BRCA genetic counseling and evaluation are covered as preventive services  when a woman’s family history is associated with an increased risk for deleterious mutations in BRCA1 or BRCA2 genes and medical necessity criteria has been met

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments, coinsurance, and deductible.

You pay nothing

Not covered:

• Physical exams and immunizations required for obtaining or continuing employment or insurance, attending schools or camp, athletic exams, or travel.
• Immunizations, boosters, and medications for travel or work-related expenses

You pay all charges

• Well-child visits, examinations, and immunizations other preventive services as described in the Bright Future Guidelines provided by the American Academy of Pediatrics. For a complete list of the American Academy of Pediatrics Bright Futures Guidelines go to https://brightfutures.aap.org
• Immunizations such as DTaP, Polio, Measles, Mumps, and Rubella (MMR), and Varicella. For a complete list of immunizations go to the Centers for Disease Control (CDC) website at https://www.cdc.gov/vaccines/schedules/index.html
• You can also find a complete list of preventive care services recommended under the U.S. Preventive Services Task Force (USPSTF) online at https://www.uspreventiveservicestaskforce.org

Note: Any procedure, injection, diagnostic service, laboratory, or X-ray service done in conjunction with a routine examination and is not included in the preventive recommended listing of services will be subject to the applicable member copayments, coinsurance, and deductible.

You pay nothing

Complete maternity (obstetrical) care, such as:

• Prenatal care
• Screening for gestational diabetes 
• Bacteriuria screening
• Delivery
• Postnatal care

Note: Here are some things to keep in mind:

• You do not need to precertify your vaginal delivery; see page (Applies to printed brochure only) for other circumstances, such as extended stays for you or your baby.
• Routine care includes office visits, one office sonogram (as part of prenatal care) and laboratory work. Copays will continue to apply to specialized scanning, any specialist not the member's current OB/GYN, durable medical equipment, prescription drugs, chiropractic and acupuncture services, emergency room visits, urgent care visits, or inpatient hospital copayments as these services are not considered routine.
• You may remain in the hospital up to 48 hours after a vaginal delivery and 96 hours after a cesarean delivery. We will extend your inpatient stay if medically necessary.
• We cover routine nursery care of the newborn child during the covered portion of the mother’s maternity stay. We will cover other care of an infant who requires non-routine treatment only if we cover the infant under a Self Plus One or Self and Family enrollment. Surgical benefits, not maternity benefits, apply to a circumcision.
• We pay hospitalization and surgeon services (delivery) the same as for illness and injury. See Hospital benefits (Section 5c) and Surgery benefits (Section 5b).

Note: When a newborn requires definitive treatment during or after the mother's confinement, the newborn is considered a patient in their own right. If the newborn is eligible for coverage, regular medical or surgical benefits apply rather than maternity benefits.

You pay: 20% coinsurance

You pay nothing

You pay all charges

Contraceptive counseling on an annual basis

You pay nothing

A range of voluntary family planning services, such as:

• Surgically implanted contraceptives
• Injectable contraceptive drugs (such as Depo Provera)
• Intrauterine devices (IUDs)
• Diaphragms
• Tubal ligation
  
  

Note:  We cover oral contraceptives under the prescription drug benefit

You pay nothing - not subject to deductible

Voluntary sterilization (See Surgical Procedures Section 5(b)

You pay 20% coinsurance

Genetic testing is covered when medically necessary for conditions such as pregnancy testing for cystic fibrosis, coverage of certain cancer drugs, certain autosomal recessive conditions, autosomal dominant less penetrant conditions, x-linked conditions and certain chromosome abnormalities

You pay nothing

Not covered:

• Reversal of voluntary surgical sterilization
• Genetic testing not medically necessary

You pay all charges

Diagnosis and treatment of the cause of infertility

You pay: 20% coinsurance

The services listed below are not covered as treatments for infertility or as alternatives to conventional conception: 

• Assisted reproductive technology (ART) and assisted insemination procedures, including but not limited to: 
  •  Artificial insemination (AI)
  • In vitro fertilization (IVF)
  • Embryo transfer and Gamete Intrafallopian Transfer (GIFT)
  • Zygote Intrafallopian Transfer (ZIFT)
  • Intravaginal insemination (IVI)
  • Intracervical insemination (ICI)
  • Intracytoplasmic sperm injection (ICSI)
  • Intrauterine insemination (IUI)
• Services, procedures, and/or supplies that are related to ART and/or assisted insemination procedures 
• Cryopreservation or storage of sperm (sperm banking), eggs, or embryos (unless part of iatrogenic services)
• Preimplantation diagnosis, testing, and/or screening, including the testing or screening of eggs, sperm, or embryos (unless part of Iatrogenic services)
• Drugs used in conjunction with ART and assisted insemination procedures (see Prescription Drug section)
• Services, supplies, or drugs provided to individuals not enrolled in this Plan 

You pay all charges

• Testing and treatment
• Allergy injections

You pay: 20% coinsurance

You pay nothing

Not covered:

• Provocative food testing
• Sublingual allergy desensitization

You pay all charges

• Chemotherapy and radiation therapy

Note: High dose chemotherapy in association with autologous bone marrow transplants is limited to those transplants listed under Organ/Tissue Transplants in Section 5(b).

• Respiratory and inhalation therapy(Pulmonary therapy) is provided for up to 20 visits per year
• Cardiac rehabilitation following qualifying event/condition is provided for up to 36 visits per condition per year
• Dialysis – hemodialysis and peritoneal dialysis
• Intravenous (IV)/Infusion Therapy – Home IV and antibiotic therapy
• Growth hormone therapy (GHT)

Note: We only cover GHT when we preauthorize the treatment.  We will ask you to submit information that establishes that the GHT is medically necessary.  Ask us to authorize GHT before you begin treatment.  We will only cover GHT services and related services and supplies that we determine are medically necessary.  See Other services under You need prior Plan approval for certain services on in section 4 of this brochure.  Note: Growth hormone is covered under the prescription drug benefit.

• Applied Behavior Analysis (ABA) - Children with autism spectrum disorder is covered under section 5(e)

You pay: 20% coinsurance

Up to 60 per year for per condition rehabilitative/habilitative in any combination of the following:

• Qualified physical therapists
• Occupational therapists
• Physician
• Licensed therapy provider

Services must be performed by a physician or by a licensed therapy provider.

Note:  We only cover therapy when a physician: 

• orders the care;
• identifies the specific professional skills the patient requires and the medical necessity for skilled services; and
• indicates the length of time the services are needed.

Benefits can be denied or shortened for covered persons who are not progressing in goal-directed rehabilitative services or if rehabilitation goals have not been met.

We will pay benefits for up to 20 visits of cognitive rehabilitation therapy only when Medically Necessary following sudden External injuries such as car accidents or falls; or sudden internal injuries such as stroke (cerebral vascular accident), aneurysm, anoxia, encephalitis or brain tumors.

Cochlear therapy following cochlear implant up to 30 visits per year

 All Therapies are subject to medical necessity.

You pay: 20% coinsurance

Services include:

• Speech therapy
• Occupational therapy; and
• Physical therapy

Includes medically necessary habilitative services coverage for children with Autism, an Autism Spectrum disorder, or Cerebral Palsy

Note: No day or visits apply to these services. A congenital disorder means a significant structural or functional abnormality that was present from birth

You pay: 20% coinsurance

Not covered:

• Long-term rehabilitative therapy
• Exercise programs

You pay all charges

Up to 20 visits per calendar year for rehabilitative/habilitative speech therapy.

You pay: 20% coinsurance

Not covered:

• Exercise programs
• Voice therapy

You pay all charges

• For treatment related to illness or injury, including evaluation and diagnostic hearing tests performed by an M.D., D.O., or audiologist.
• Hearing aids covered up to $2,500 per ear every 3 years 

Note: for routine hearing screening performed during a child's preventive care visit, see Section 5(a) Preventive care children

• Implanted hearing-related devices, such as bone anchored hearing aids (BAHA) and cochlear implants

Note:  for benefits for the devices, see Section (a) Orthopedic and prosthetic devices and Durable Medical Equipment.

You pay: 20% coinsurance

Not covered:

• All other hearing aids and testing for them
• Hearing services that are not shown as covered

You pay all charges

• Initial pair of eyeglasses or contact lenses to correct an impairment directly caused by accidental ocular injury or intraocular surgery (such as for cataracts)
• Annual eye refraction exams

Note: Children examinations are covered at no charge as outlined in the Bright Future Guidelines provided by the American Academy of Pediatrics

      Replacement glasses or contact lenses are not covered after the initial pair.

You pay: 20% coinsurance

Not covered:

• Eyeglasses or contact lenses, except as shown above
• Eye exercises and orthoptics
• Radial keratotomy and other refractive surgery

You pay: 20% coinsurance

Not covered:

• Cutting, trimming or removal of corns, calluses, or the free edge of toenails, and similar routine treatment of conditions of the foot, except as stated above
• Treatment of weak, strained or flat feet or bunions or spurs; and of any instability, imbalance or subluxation of the foot (unless the treatment is by open cutting surgery)

• Artificial limbs and eyes
• Prosthetic sleeve or sock 
• Orthopedic devices such as braces, medical supplies including colostomy supplies, dressings, catheters and related supplies
• Externally worn breast prostheses and surgical bras, including necessary replacements following a mastectomy
• Internal prosthetic devices, such as artificial joints, pacemakers, cochlear implants, and surgically implanted breast implant following mastectomy
• Bone-anchored hearing aids (BAHA) are covered only when the member has either of the following:
  • Craniofacial anomalies in which abnormal or absent ear canals preclude the use of a wearable hearing aid;
  • Hearing loss of sufficient severity that it cannot be adequately remedied by a wearable hearing aid
  • Benefits limited to one bone anchored hearing aid per member, who meets the above coverage criteria, during the entire period of time the member is enrolled in the health plan.
• Corrective orthopedic appliances for non-dental treatment of temporomandibular joint (TMJ) pain dysfunction syndrome

Note: For information on the professional charges for the surgery to insert an implant, see Section 5(b) Surgical procedures.  For information on the hospital and/or ambulatory surgery center benefits, see Section 5(c) Services provided by a hospital or other facility, and ambulance services.

Note:  Plan prior authorization required for items that cost $1,000 or more.

You pay: 20% coinsurance

Not covered:

• Orthopedic and corrective shoes
• Arch supports
• Foot orthotics
• Heel pads and heel cups
• Lumbosacral supports
• Corsets, trusses, elastic stockings, support hose, and other supportive devices
• Speech prosthetics (except electrolarynx)
• Prosthetic replacements provided less than 3 years after the last one we covered

We cover rental or purchase of durable medical equipment, at our option, including repair and adjustment.  Covered items include: 

• Oxygen
• Dialysis equipment
• Hospital beds
• Wheelchairs
• Crutches
• CPAP
• Walkers
• Blood glucose monitors/continuous glucose monitors
• Insulin pumps
• Wigs for hair loss due to the treatment of cancer - limit $350 per year

Note: Plan prior authorization is required for items that cost $1,000 or more. Repairs and replacements are covered if needed due to a change in the member’s medical condition. Call us at 1-877-835-9861  as soon as your Plan physician prescribes this equipment.  We will arrange with a healthcare provider to rent or sell you durable medical equipment at discounted rates and will tell you more about this service when you call.

You pay: 20% coinsurance

Not covered:

Motorized wheelchairs

Audible prescription reading devices

Speech generating devices

Talkers

Story boards

Scooters

• Home healthcare ordered by a Plan physician and provided by a registered nurse (R.N.), licensed practical nurse (L.P.N.), licensed vocational nurse (L.V.N.), or home health aide.
• Skilled care is skilled nursing, skilled teaching and skilled rehabilitation services when all of the following are true:
  • It must be delivered or supervised by a licensed technical or professional medical personnel in order to obtain the specified medical outcome and provide for safety of the patient
  • It is ordered by a physician
  • It is not delivered for the purpose of assisting with activities of daily living including dressing, feeding, bathing or transferring from a bed to a chair
  • It requires clinical training in order to be delivered safely and effectively
  • It is not custodial care
• We will determine if benefits are available by reviewing both the skill nature of the service and the need for physician directed medical management.  A service will not be determined to be skilled simply because there is not an available caregiver.
• Services include administration of oxygen therapy, intravenous therapy and medications. (Medications may be billed separately)
• Limit of 60 visits per year
• Prescription foods covered as follows:
  • Amino acid modified preparations and low protein modified food products for the treatment of inherited metabolic diseases which are prescribed for the therapeutic treatment of inherited metabolic diseases and are administered under the direction of a physician.
  • Specialized formulas for the treatment of a disease or condition and are administered under the direction of a physician
  • Medical foods which are determined to be the sole source of nutrition and cannot be obtained without a physician's prescription

You pay: 20% coinsurance

Not covered:

• Nursing care requested by, or for the convenience of, the patient or the patient’s family.
• Home care primarily for personal assistance that does not include a medical component and is not diagnostic, therapeutic, or rehabilitative.
• Private duty nursing
• Foods that can be obtained over the counter  (without a prescription) even if prescribed by a physician

• Diagnosis and related services for the manipulation of the spine and extremities to remove nerve interference or its effects. Limited to one treatment per day up to 20 visits per calendar year

Note: The interference must be the result of, or related to, distortion, misalignment, or subluxation of, or in, the vertebral column.

You pay: 20% coinsurance

Acupuncture – by a doctor of medicine or osteopathy for up to 12 visits per year :

• Anesthesia
• Pain relief
• Nausea that is related to surgery, pregnancy or chemotherapy.  Acupuncture services must be performed in an office setting by a provider who is one of the following, either practicing within the scope of  his/her license (if state license is available) or who is certified by a national accrediting body.
  • Doctor of Medicine
  • Doctor of Osteopathy
  • Chiropractor
  • Acupuncturist

You pay: 20% coinsurance

Not covered:

• Naturopathic services
• Hypnotherapy
• Biofeedback
• Massage Therapy
• Herbal medicine
• Rolfing
• Ayurveda
• Homeopathy
• Other alternative treatments unless specifically listed as covered

Coverage is provided for :

Tobacco Cessation program "Quit for Life"  which includes online learning, Quit Coach, Nicotine Replacement Therapy Coaching and over the counter and prescription drugs approved by the FDA (subject to age and treatment therapy recommendations) to treat tobacco dependence. Learn more about this program in Section 5(h) Wellness and other Special Features.

You pay nothing - not subject to deductible

Childhood obesity screening programs and treatment interventions 

You pay nothing - not subject to deductible

• Outpatient self-management training for the treatment of insulin-dependent diabetes, insulin-using diabetes, gestational diabetes and non-insulin using diabetes. 
• Must be prescribed by a licensed healthcare professional who has appropriate state licensing authority
• Outpatient self management training includes, but is not limited to, education and medical nutrition therapy for diabetes related conditions and additional defined chronic health conditions. The training must be provided by a certified registered or licensed healthcare professional trained in the care and management of diabetes.
• Initial training visit; up to 10 hours, after you are diagnosed with diabetes for the care and management of diabetes
• Also included is training and education, up to four housrs, 

You pay: 20% coinsurance

A comprehensive range of services, such as:

• Operative procedures
• Treatment of fractures, including casting
• Normal pre-and post-operative care by the surgeon
• Correction of amblyopia and strabismus
• Endoscopy procedures
• Biopsy procedures
• Removal of tumors and cysts
• Correction of congenital anomalies (see Reconstructive surgery )
• Insertion of internal prosthetic devices.  See 5(a) Orthopedic and prosthetic devices for device coverage information
• Voluntary sterilization 
• Treatment of burns

You pay: 20% coinsurance

Surgical treatment of morbid obesity (bariatric surgery)

• Eligible members must be age 18 or older or for adolescents, have achieved greater than 95% of estimated adult height AND a minimum Tanner Stage of 4
• have a minimum Body Mass Index (BMI) of 40, or greater than or equal to 35 with at least 1 co-morbid condition present)
• must enroll in the Bariatric Resource Services Program (BRS)
• must use a designated Bariatric Resource Services (BRS) provider and facility
• must have completed a multi-disciplinary surgical preparatory regimen, which includes a psychological evaluation 
• have a 6-month physician supervised diet within the last 2 years
• One surgery per lifetime unless complications

You pay: 20% coinsurance

Not covered:

• Reversal of voluntary sterilization
• Routine treatment of conditions of the foot; (see Foot care)

You pay all charges

Coverage is available for fertility preservation for medical reasons that cause irreversible infertility such as surgery, including surgical treatment of gender dysphoria, radiation, chemotherapy, or other medical treatment affecting reproductive organs or processes.

Covered benefits include the following procedures:
• Collection of sperm
• Cryo-preservation of sperm
• Oocyte cryo-preservation
• Embryo cryo-preservation
• Ovarian stimulation, retrieval of eggs and fertilization

Benefits are not available for:
• Embryo transfer
• Long-term storage costs (greater than 1 year)
• Elective fertility preservation.

Benefits are further limited to one cycle of fertility preservation for iatrogenic infertility per covered person during the period of time he or she is enrolled for coverage under the policy.

There is a benefit limit of $20,000 for medical services and $5,000 for pharmacy benefits. The preimplantation genetic testing and fertility preservations are one combined maximum. Prior authorization is required.

You pay: 20% coinsurance 

• Surgery to correct a functional defect
• Surgery to correct a condition caused by injury or illness if:
  • The condition produced a major effect on the member’s appearance; and
  • The condition can reasonably be expected to be corrected by such surgery.
• Surgery to correct a condition that existed at or from birth and is a significant deviation from the common form or norm. Examples of congenital anomalies are: protruding ear deformities; cleft lip; cleft palate; birth marks; and webbed fingers and toes.
• All stages of breast reconstruction surgery following a mastectomy, such as:
  • surgery to produce a symmetrical appearance of breasts;
  • treatment of any physical complications, such as lymphedemas;
  • breast prostheses and surgical bras and replacements (see Prosthetic devices)

Note: If you need a mastectomy, you may choose to have the procedure performed on an inpatient basis and remain in the hospital up to 48 hours after the procedure.

• Gender affirming surgery:

Surgical treatment for Gender Dysphoria may be indicated for individuals who meet the medical criteria and persistent, well-documented diagnostic criteria A disorder characterized by the following diagnostic criteria (Diagnostic and Statistical Manual of Mental Disorders, 5th edition [DSM-5]).
 Requirements:

•  Must be 18 years of age or older
•  Must have documented evidence of persistent gender dysphoria
•  Favorable psychosocial-behavioral evaluation to provide screening and identification of risk factors or potential postoperative challenges
•  Persistent, well-documented Gender Dysphoria
•  Capacity to make a fully informed decision and to consent for treatment
•  Complete at least 12 months of successful continuous full-time real-life experience in the desired gender
•  Complete 12 months of continuous cross-sex hormone therapy appropriate for the desired gender (unless medically contraindicated)
•  Treatment plan that includes ongoing follow-up and care by a Qualified Behavioral Health Provider experienced in treating Gender Dysphoria*

Gender affirming surgeries for (male to female) include:

• Laser or electrolysis hair removal in advance of genital reconstruction 
• Orchiectomy: removal of testicles 
• Penectomy: removal of penis
• Vaginoplasty: creation of vagina
• Clitoroplasty: creation of clitoris
• Labiaplasty: creation of labia
• Prostatectomy: removal of prostate
• Urethroplasty: creation of urethra

Gender affirming surgeries for (female to male) include:

• Laser or electrolysis hair removal in advance of genital reconstruction
• Salpingo-oophorectomy: removal of fallopian tubes and ovaries
• Vaginectomy: removal of vagina
• Vulvectomy: removal of vulva
• Metoidioplasty: creation of micro-penis using the clitoris
• Phalloplasty: creation of penis, with or without urethra
• Hysterectomy: removal of uterus
• Urethroplasty: creation of urethra within penis
• Scrotoplasty: creation of scrotum
• Testicular prosthesis: implantation of artificial testes
• Mastectomy: removal of the breast
• Penile prosthesis

You pay: 20% coinsurance

Not covered:

• Cosmetic surgery – any surgical procedure (or any portion of a procedure) performed primarily to improve physical appearance through change in bodily form, except repair of accidental injury if repair is initiated promptly or as soon as the member’s condition permits
• Transgender procedures not specifically listed above, such as: abdominoplasty, blepharoplasty, , breast enlargement including augmentation mammaplasty and breast implants, blow lift, calf implants, cheek Cheek, chin and nose implants, Injection of fillers, Face/forehead lift and/or neck tightening, Facial bone remodeling for facial feminization, Laser or electrolysis hair removal not related to genital reconstruction, Hair transplantation, Lip augmentation, Lip reduction, Liposuction, Mastoplexy, Pectoral implants for chest masculinization, Rhinoplasty, skin-resurfacing (e.g., dermabrasion, chemical peels, laser), thyroid cartilage reduction/reduction thyroid chondroplasty/trachea shave (removal or reduction of the Adam’s apple), Voice modification surgery (e.g., laryngoplasty, glottoplasty or shortening of the vocal cords)
• Reversal of genital surgery or reversal of surgery to revise secondary sex characteristics
• Surgical procedures for members who do not meet the gender dysphoria criteria

You pay all charges

Oral surgical procedures, limited to:

• Reduction of fractures of the jaws or facial bones;
• Surgical correction of cleft lip, cleft palate or severe functional malocclusion;
• Removal of stones from salivary ducts;
• Excision of leukoplakia or malignancies;
• Dental care necessary to release pain in treatment of temporomandibular joint pain dysfunction;
• Excision of cysts and incision of abscesses when done as independent procedures; and
• Other surgical procedures that do not involve the teeth or their supporting structures.

You pay: 20% coinsurance

Not covered:

• Oral implants and transplants
• Procedures that involve the teeth or their supporting structures (such as the periodontal membrane, gingiva, and alveolar bone)

You pay all charges

Services for the evaluation and treatment of TMJ and associated muscles

• Diagnosis: Exam, radiographs and applicable imaging studies and consultation.
• Non-surgical treatment including: Clinical exams, Oral appliances (orthotic splints), Arthrocentesis, Trigger-point injections

Benefits are provided for surgical treatment if the following criteria are met:

• There is radiographic evidence of joint abnormality
• Non-surgical treatment has not resolved the symptoms
• Pain or dysfunction is moderate or severe.

Benefits for surgical services include:

• Arthrocentesis
• Arthroscopy
• Arthroplasty
• Arthrotomy
• Open or closed reduction of dislocations.

$3,000 limit for all services pertaining to TMJ

You pay: 20% coinsurance

These solid organ transplants are covered.  Solid organ transplants are limited to:  

• Autologous pancreas islet cell transplant (as an adjunct to total or near total pancreatectomy) only for patients with chronic pancreatitis
• Cornea
• Heart
• Heart/lung
• Intestinal transplants
•      Isolated small intestine
•      Small intestine with the liver
•      Small intestine with multiple organs, such as the liver, stomach, and pancreas

• Kidney
• Kidney-pancreas
• Liver
• Lung: single/bilateral/lobar
• Pancreas

These tandem blood or marrow stem cell transplants for covered transplants are subject to medical review by the Plan.  Refer to Other services in Section 3 for your authorization procedures.

• Autologous tandem transplants for
  • AL Amyloidosis
  • Multiple myleoma (de novo and treated)
  • Recurrent gem cell tumors (including testicular cancer)

You pay: 20% coinsurance

Blood or marrow stem cell transplants

the plan extends coverage for the diagnoses as indicated below:.

• Allogenic transplants for 
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Acute myeloid leukemia
  • Advanced Hodgkin’s lymphoma with recurrence (relapsed)
  • Advanced Myeloproliferative Disorders (MPDs)
  • Advanced neuroblastoma
  • Advanced non-Hodgkin’s lymphoma with recurrence (relapsed)
  • Amyloidosis
  • Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
  • Hemoglobinopathy
  • Infantile malignant osteopetrosis
  • Kostmann’s syndrome
  • Leukocyte adhesion deficiencies
  • Marrow failure and related disorders (i.e., Fanconi’s, Paroxysmal Nocturnal Hemoglobinuria, Pure Red Cell Aplasia)
  • Mucolipidosis (e.g., Gaucher’s disease, metachromatic leukodystrophy, adrenoleukodystrophy)
  • Mucopolysaccharidosis (e.g., Hunter’s syndrome, Hurler’s syndrome, Sanfillippo’s syndrome, Maroteaux-Lamy syndrome variants
  • Myelodysplasia/Myelodysplastic syndromes
  • Paroxysmal Nocturnal Hemoglobinuria
  • Phagocytic/Hemophagocytic deficiency diseases (e.g., Wiskott-Aldrich syndrome)
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
  • Sickle cell anemia
  • X-linked lymphoproliferative syndrome

You pay: 20% coinsurance

• Autologous transplants for
  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin's lymphoma with reccurrence (relapsed)
  • Advanced non-Hodgkin's lymphoma with reccurrence (relapsed)
  • Amyloidosis
  • Breast cancer
  • Ependymoblastoma
  • Epithelial ovarian cancer
  • Ewing's sarcoma
  • Medulloblastoma
  • Multiple myeloma
  • Pineoblastoma
  • Neuroblastoma
  • Testicular, Mediastinal, Retroperitoneal, and Ovarian germ cell tumors

You pay: 20% coinsurance

Mini-transplants performed in a clinical trial setting (non-myeloablative, reduced intensity conditioning or RIC) for members with a diagnosis listed below are subject to medical necessity review by the Plan.

Refer to Other services in Section 3 for prior authorization procedures:

• Allogeneic transplants for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Acute myeloid leukemia
  • Advanced Hodgkin’s lymphoma with reccurrence (relapsed)
  • Advanced Myeloproliferative Disorders (MPDs)
  • Advanced non-Hodgkin’s lymphoma with reccurrence (relapsed)
  • Amyloidosis
  • Chronic lymphocytic leukemia/small lymphocytic lymphoma (CLL/SLL)
  • Hemoglobinopathy
  • Marrow failure and related disorders (i.e., Fanconi’s, PNH, Pure Red Cell Aplasia)
  • Myelodysplasia/Myelodysplastic syndromes
  • Paroxysmal Nocturnal Hemoglobinuria
  • Severe combined immunodeficiency
  • Severe or very severe aplastic anemia
• Autologous transplants for
  • Acute lymphocytic or nonlymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma with reccurrence (relapsed)
  • Advanced non-Hodgkin’s lymphoma with reccurrence (relapsed)
  • Amyloidosis
  • Neuroblastoma

You pay: 20% coinsurance

These blood or marrow stem cell transplants covered only in a National Cancer Institute or National Institutes of Health approved clinical trial or a Plan-designated center of excellence if approved by the Plan’s medical director in accordance with the Plan’s protocols. 

If you are a participant in a clinical trial, the Plan will provide benefits for related routine care that is medically necessary (such as doctor visits, lab tests, X-rays and scans, and hospitalization related to treating the patient's condition) if it is not provided by the clinical trial.  Section 9 has additional information on costs related to clinical trials.  We encourage you to contact the Plan to discuss specific services if you participate in a clinical trial.

• Allogeneic transplants for
  • Advanced Hodgkin's lymphoma
  • Advanced non-Hodgkin's lymphoma
  • Beta Thalassemia Major
  • Chronic inflammatory demyelination polyneuropathy (CIDP)
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Multiple myeloma
  • Sickle Cell Anemia
• Mini-transplants (non-myeloablative allogeneic, reduced intensity conditioning RIC) for
  • Acute lymphocytic or non-lymphocytic (i.e., myelogenous) leukemia
  • Advanced Hodgkin’s lymphoma
  • Advanced non-Hodgkin’s lymphoma
  • Breast cancer
  • Chronic lymphocytic leukemia
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL )
  • Chronic myelogenous leukemia
  • Colon cancer
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma  
  • Multiple myeloma
  • Multiple sclerosis
  • Myelodysplasia/Myelodysplactic Syndromes
  • Myeloproliferative disorders (MDDs)
  • Non-small cell lung cancer
  • Ovarian cancer
  • Prostate cancer
  • Renal cell carcinoma
  • Sarcomas
  • Sickle Cell anemia
•  Autulogous Transplants for
  • Advanced childhood kidney cancers
  • Advanced Ewing sarcoma
  • Advanced Hodgkin's lymphoma
  • Advanced non-Hodgkin's lymphoma
  • Aggressive non-Hodgkin's lymphoma
  • Breast Cancer
  • Childhood rhabdomyosarcoma
  • Chronic lymphocytic lymphoma/small lymphocytic lymphoma (CLL/SLL)
  • Chronic myelogenous leukemia
  • Early stage (indolent or non-advanced) small cell lymphocytic lymphoma
  • Epithelial ovarian cancer
  • Mantle Cell (Non-Hodgkin lymphoma)
  • Multiple sclerosis
  • Small cell lung cancer
  • Systemic lupus erythematosus
  • Systemic sclerosis

National Transplant Program (NTP) - OptumHealth Care Solutions (URN) used for organ tissue transplants

Limited Benefits - Treatment for breast cancer, multiple myeloma, and epithelial ovarian cancer may be provided in a National Cancer Institute - or National Institutes of Health - approved clinical trial at a Plan-designated center of excellence and if approved by the Plan's medical director in accordance with the Plan's protocols.

Note: We cover related medical and hospital expenses of the donor when we cover the recipient.  We cover donor testing for the actual solid organ donor.  Transplants must be provided in a Plan designated Center for Transplants.  These centers do a large volume of these procedures each year and have a comprehensive program of care.  A listing of these centers can be found in the Plan Directory of Health Care Providers, at our member web site www.myuhc.com or call our Customer Service Department at 1-877-835-9861 to request an up-to-date listing.

You pay: 20% coinsurance

You pay: 20% coinsurance

Not covered:

• Donor screening tests and donor search expenses, except as shown above
• Implants of artificial organs
• Transplants not listed as covered
• All services related to non-covered transplants
• All services associated with complications resulting from the removal of an organ from a non-member

You pay all charges

Professional services provided in –

• Hospital (inpatient)
• Hospital (outpatient department)
• Skilled nursing facility
• Ambulatory surgical center
• Office

You pay: 20% coinsurance

Room and board, such as

• Ward, semiprivate, or intensive care accommodations
• General nursing care
• Meals and special diets

Note: If you want a private room when it is not medically necessary, you pay the additional charge above the semiprivate room rate.

You pay: 20% coinsurance

Other hospital services and supplies, such as:

• Operating, recovery, maternity, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests and X-rays
• Dressings, splints, casts, and sterile tray services
• Medical supplies and equipment, including oxygen
• Anesthetics, including nurse anesthetist services
• Take-home items
• Medical supplies, appliances, medical equipment, and any covered items billed by a hospital for use at home

You pay: 20% coinsurance

Not covered:

• Custodial care
• Non-covered facilities, such as nursing homes, schools
• Personal comfort items, such as telephone, television, barber services, guest meals and beds
• Private nursing care unless medically necessary

You pay all charges

• Operating, recovery, and other treatment rooms
• Prescribed drugs and medications
• Diagnostic laboratory tests, X-rays, and pathology services
• Administration of blood, blood plasma, and other biologicals
• Pre-surgical testing
• Dressings, casts, and sterile tray services
• Medical supplies, including oxygen
• Anesthetics and anesthesia service

Note: We cover hospital services and supplies related to dental procedures when necessitated by a non-dental physical impairment. We do not cover the dental procedures.

You pay: 20% coinsurance at an approved free-standing surgical center or 20% coinsurance plus $250 per occurrence deductible at a hospital-based surgical center

You pay all charges

• Room and board in a semi-private room
• General nursing
• Drugs, biologicals, supplies and equipment ordinarily provided or arranged by the skilled nursing facility when prescribed by a Plan doctor
• Benefits up to 60 days when full time skilled nursing care is necessary and confinement is medically appropriate.

You pay: 20% coinsurance

You pay all charges

• Inpatient care
• Outpatient care
• Family counseling
• Supportive and palliative care for a terminally ill member is covered in the home or hospice

You pay: 20% coinsurance

You pay all charges

Non-Emergency ambulance transportation by a licensed ambulance service (either ground or air ambulance, as we determine appropriate) between facilities only when the transport meets one of the following:

• From an out-of-Network Hospital to the closest Network Hospital when Covered Health Care Services are required.
• To the closest Network Hospital that provides the required Covered Health Care Services that were not available at the original Hospital, including transportation costs of a newborn to the nearest appropriate facility to treat the newborn’s condition. The Physician must certify that such transportation is necessary to protect the health and safety of the newborn.
• From a short-term acute care facility to the closest Network long-term acute care facility (LTAC), Network Inpatient Rehabilitation Facility, or other Network sub-acute facility where the required Covered Health Care Services can be delivered.
• Prior Authorization Requirement In most cases, we will initiate and direct non-Emergency ambulance transportation. If you are requesting non-Emergency ambulance services, you must obtain authorization as soon as possible before transport. If you do not obtain prior authorization as required, you will be responsible for paying all charges and no Benefits will be paid.

 For the purpose of this Benefit the following terms have the following meanings:

• "Long-term acute care facility (LTAC)" means a facility or Hospital that provides care to people with complex medical needs requiring long-term Hospital stay in an acute or critical setting.
• "Short-term acute care facility" means a facility or Hospital that provides care to people with medical needs requiring short-term Hospital stay in an acute or critical setting such as for recovery following a surgery, care following sudden Sickness, Injury, or flare-up of a chronic Sickness.
• "Sub-acute facility" means a facility that provides intermediate care on short-term or long-term basis.

You pay: 20% coinsurance

• Emergency care at a doctor’s office

You pay nothing for Primary Care visit - not subject to deductible or you pay $60 copayment for Specialist visit - not subject to deductible

• Emergency care at an urgent care center

You pay: $50 copayment - deductible does not apply

• Emergency care as an outpatient at a hospital, including doctors’ services

You pay: 20% coinsurance (waived if admitted)

• Elective care or non-emergency care and follow-up care recommended by non-Plan providers that has not been approved by the Plan or provided by Plan providers
• Emergency care provided outside the service area if the need for care could have been foreseen before leaving the service area
• Medical and hospital costs resulting from a normal full-term delivery of a baby outside the service area

You pay all charges

Emergency ambulance transportation by a licensed ambulance service (either ground or air ambulance or water vehicle) to the nearest Hospital where the required Emergency Health Care Services can be performed

Note: See Section 5(c) for non-emergency service.

You pay: 20% coinsurance

When part of a treatment plan we approve, we cover professional services by licensed professional mental health and substance use disorder treatment practitioners when acting within the scope of their license, such as psychiatrists, psychologists, clinical social workers, licensed professional counselors, or marriage and family therapists.

Diagnosis and treatment of psychiatric conditions, mental illness, or mental disorders and services include:

• Diagnostic evaluation
• Crisis intervention and stabilization for acute episodes
• Medication evaluation and management (pharmacotherapy)
• Psychological and neuropsychological testing necessary to determine the appropriate psychiatric treatment
• Treatment and counseling (including individual or group therapy visits) in office 
• Diagnosis and treatment of substance use disorders, including detoxification, treatment and counseling
• Professional charges for intensive outpatient treatment in a provider's office or other professional setting
• Electroconvulsive therapy

Your cost share responsibilities are no greater than for other illnesses or conditions

Applied Behavioral Analysis (ABA) group and individual visits - Not subject to deductible

Coverage includes Autism Spectrum Disorder

Subject to medical necessity

You pay nothing 

• Outpatient diagnostic tests provided and billed by a licensed mental health and substance use disorder treatment practitioner
• Outpatient diagnostic tests provided and billed by a laboratory, hospital or other covered facility
• Inpatient diagnostic tests provided and billed by a hospital or other covered facility

You pay: 20% coinsurance

Inpatient services provided and billed by a hospital or other covered facility

• Room and board, such as semiprivate or intensive accommodations, general nursing care, meals and special diets, and other hospital services
• Services in approved half-way house, residential treatment, full-day hospitalization, partial hospitalization

You pay: 20% coinsurance

Outpatient services provided and billed by a hospital or other covered facility

• Services in facility-based intensive outpatient treatment

You pay: 20% coinsurance

• Psychiatric evaluation or therapy on court order or as a condition of parole or probation, unless determed by a Plan physician to be necessary and appropriate
• Services and supplies when paid for directly or indirectly by a local, State, or Federal Government agency.
• Room and board at therapeutic boarding schools
• Services rendered or billed by schools
• Services that are not medically necessary
•  Methodone maintenance unless it is a part of an approved treatment program

You pay all charges

The following drugs and supplements are covered without cost-share, even if over-the-counter, are prescribed by a health care professional and filled at a network pharmacy.

 Note: Preventive Medications with a USPSTF recommendation of A or B are covered without cost-share when prescribed by a healthcare professional and filled by a network pharmacy. These may include some over-the-counter vitamins, nicotine replacement medications, and low dose aspirin for certain patients.  For current recommendations go to www.uspreventiveservicestaskforce.org/BrowseRec/Index/browse-recommendations

• Aspirin (81 mg) for men age 45-79 and women age 55-79 and women of childbearing age

• Folic acid supplements for women of childbearing age 400 & 800 mcg

• Liquid iron supplements for children age 0-1 year

• Pre-natal vitamins for pregnant women

• Fluoride tablets, solution (not toothpaste, rinses) for children age 0-6

• Certain statins to treat cardiovascular disease for adults age 40 to 75 will be covered without a copayment as recommended by the United States Preventive Services Task force ( USPSTF) when the following criteria is met: Age 40 to 75 years; and one or more CVD risk factors (i.e., dyslipidemia, diabetes, hypertension, or smoking); and a calculated 10-year risk of a cardiovascular event of 10% or greater.

Note: Note: Preventive Medications with a USPSTF recommendation of A or B are covered without cost-share when prescribed by a healthcare professional and filled by a network pharmacy. These may include some over-the-counter vitamins, nicotine replacement medications, and low dose aspirin for certain patients.  For current recommendations go to www.uspreventiveservicestaskforce.org/BrowseRec/Index/browse-recommendations

Note: To receive this benefit a prescription from a doctor must be presented to pharmacy. Benefits available at in-network pharmacy only.

You pay nothing

We cover the following medications and supplies prescribed by a Plan physician and obtained from a Plan pharmacy or through our mail order program:

• Drugs and medications that by Federal law of the United States require a physician’s prescription for their purchase, except those listed as Not covered.
• Insulin with a copayment charge applied every 2 vials
• Disposable needles and syringes for the administration of covered medications
• Drugs for sexual dysfunction are limited.  Contact the plan for dosage limits.
• Drugs to treat gender dsyphoria
• Oral and injectable contraceptive drugs

Note: Intravenous fluids and medications for home use, implantable drugs, and some injectable drugs are covered under Medical services and supplies Section (5a) or Surgical and anesthesia services Section (5b).

Plan retail pharmacy up to a maximum of a 30-day supply:

Tier 1: $5 copayment

Tier 2: $50 copayment

Tier 3: $100 copayment

Tier 4: $150 copayment

Plan mail order pharmacy for up to a maximum of up to a 90-day supply:

Tier 1: $12.50 copayment

Tier 2: $125 copayment

Tier 3: $250 copayment

Tier 4: $375 copayment

Note: Please see the beginning of this section for information pertaining to the prescription drug deductible for Tier 3 and Tier 4 medications

Specialty Medications up to a 30-day supply:

Tier 1: $5 copayment

Tier 2: $150 copayment

Tier 3: $350 copayment

Tier 4: $500 copayment

Contraceptive drugs and devices as listed in the ACA/HRSA site.

Contraceptive coverage is available at no cost to FEHB members. The contraceptive benefit includes at least one option in all methods of contraception (as well as the screening, education, counseling, and follow-up care). Any contraceptive that is not already available without cost sharing on the formulary can be accessed through the contraceptive exceptions process described below. 

Members may have a clinical review for contraceptives that are excluded.  They should reach out to their prescribing provider.  Contraceptive products that are not already available at $0 cost-share can be provided at $0 member cost-share if the provider determines that a particular contraceptive is medically necessary for that member. The  cost-share waiver process requires that providers attest the product is needed for contraceptive purposes and this can be submitted electronically by the provider.

Reimbursement for over-the-counter contraceptives can be submitted by completing a claim form and submitting the form with receipts to OptumRx, PO Box 29044, Hot Springs, AZ 71903.

You pay nothing - Not subject to deductible

• Diabetic supplies limited to insulin syringes, needles, glucose test tape, Benedict’s solution or equivalents and acetone test tablets.
• Implanted contraceptive drugs and devices such as Norplant

You pay: 20% coinsurance

Over-the-counter and appropriate prescription drugs approved by the FDA to treat tobacco dependence are covered under the Tobacco Cessation programs benefit. (See Section 5(a) Educational Classes and programs)

You pay nothing- Not subject to deductible

Not covered:

• Drugs and supplies used for cosmetic purposes
• Any product dispensed for the purpose of appetite suppression and other weight loss products
• Drugs to enhance athletic performance
• Medical supplies such as dressings and antiseptics
• Fertility drugs
• Drugs obtained at a non-Plan pharmacy; except for out-of-area emergencies
• Prescription Drug Products as a replacement for a previously dispensed Prescription Drug Product that was lost, stolen, broken or destroyed
• Vitamins, nutrients and food supplements not listed as a covered benefit even if a physician prescribes or administers them 
• Drugs available over-the-counter that do not require a prescription order by federal or state law before being dispensed, and any drug that is therapeutically equivalent to an over-the-counter 
• Compound drugs that do not contain at least one covered ingredient that requires a Prescription Order or Refill
• Alcohol swabs and bio-hazard disposable containers
• Medical Marijuana
• Drugs for sexual performance for patients that have undergone genital reconstruction
• Nonprescription medications unless specifically indicated elsewhere

Note: Over-the-counter and prescription drugs approved by the FDA to treat tobacco dependence are covered under the Tobacco Cessation programs benefit.  (See above)

You pay all charges

We cover restorative services and supplies necessary to promptly repair (but not replace) sound natural teeth. The need for these services must result from an accidental injury and  

• The dental damage is severe enough that initial contact with a Physician or dentist occurred within 72 hours of the accident. You may request an extension of this time period provided you do so within 60 days of the injury and if extenuating circumstances exist (such as prolonged hospitalization or the presence of fixation wire from fracture care.)
• Benefits for treatment of accidental injury are limited to the following:
  • Emergency examination
  • Necessary X-rays
  • Endodontic (root canal) treatment
  • Temporary splinting of teeth
  • Prefabricated post and core
  • Simple minimal restorative procedures (fillings)
  • Extractions
  • Placement of a crown if such treatment is the only clinical treatment and in cases of an injury as described above in this section
  • Replacement of lost teeth due to injury
  • Dental services are received from a Doctor of Dental Surgery or Doctor of Medical Dentistry

A sound natural tooth is defined as a tooth that:

• has no active decay, has at least 50% bony support,
• has no filling on more than two surfaces;
• has no root canal treatment, is not an implant
• is not in need of treatment except as a result of the accident, and
• functions normally in chewing and speech.
• Crowns, bridges, implants and dentures are not considered sound natural teeth

20% coinsurance

Not covered:

• Oral implants and related procedures, including bone grafts to support implants
• Procedures that involve the teeth or their supporting structures (such as the periodontal membrane, gingival and aveolar bone)

Benefits for dental care that is medically necessary and an integral part of the treatment of a sickness or condition for which covered health services are provided. 

Examples of adjunctive dental care are:

• Extraction of teeth prior to radiation for oral cancer
• Elimination of oral infection prior to transplant surgery
• Removal of teeth in order to remove an extensive tumor

Note: When alternate methods may be used, we will authorize the least costly covered health service provided that the service and supplies are considered by the profession to be an appropriate method of treatment and meet broadly accepted national standards of dental practice.  You and the provider may choose a more expensive level of care, but benefits will be payable according to these guidelines. 

20% coinsurance

At home and on the go our digital resources can help you manage health and finances. You want to have the resources to make well informed financial and health care decisions

 At UnitedHealthcare, our mission is helping people live healthier lives®. We strive to make health care simpler and easier for you to understand with our suite of integrated consumer tools on myuhc.com®. For members who are on the go, digital resources are available on the UnitedHealthcare app — wherever and whenever they need to manage your health care.

Download the UnitedHealthcare app* for access to health plan ID cards, benefits information and help answering questions.

At home and on the go our digital resources can help you manage health and finances. You want to have the resources to make well informed financial and health care decisions

The mobile app is designed to help you manage different aspects of your health, like searching for providers and getting health care cost estimates for specific treatments and procedures.

You will have access to your health plan ID card, claims information and real-time status on account balances, deductibles and out-of-pocket spending.  You can find and receive care, estimate costs and pay bills directly from the app. 

Virtual visits can be scheduled and held from your mobile app. (24/7 virtual visits).  Register with one of the UHC providers and visits are available when you are. You can reach out to an advocate from your mobile app as well.

Download the UnitedHealthcare app from the App Store® or Google Play™

Your online web portal can assist to Find Care and Costs to help you find and price care, at the same time. Located on myuhc.com, you can:

Your personalized website, myuhc.com®, features tools designed to help you:

• Find, price and save on care — you can save with Virtual Visits and other tools. You can save an average of 36% * 1 when you compare costs for providers and services • Get care from anywhere with Virtual Visits. A doctor can diagnose common conditions by phone or video 24/7
• Understand your benefits and the financial impact of care decisions
• Find tailored recommendations regarding providers, products and services. You can even generate an out-of-pocket estimate based on your specific health plan status
• Access claim details, plan balances and your health plan ID card quickly
• Follow through on clinical recommendations and access wellness programs
• Order prescription refills, get estimates and compare medication pricing
• Check your plan balances, access financial accounts and more
• Find a quality doctor, clinic, hospital or lab that helps meet their needs.

• Use multiple search options to filter results by location, specialty, quality, cost, services offered and more.
• See provider ratings created by patients.
• Review cost and care options before making an appointment to help control spending and choose the right level of service.

• Access personalized cost and provider information specific to the benefit plan.

With myuhc.com®, your personalized member website, behavioral health support services are available for you and your family to access anytime, anywhere — whether you’re in a time of greater need or may want to work on personal growth. myuhc.com is available at no additional cost to you and your family.
Find the right care for you
Using the provider search tool, you can:

•  Locate therapists, psychiatrists or other behavioral health clinicians and facilities near you
•  Narrow your search by provider name, location, area of expertise and more
•  Schedule an in-person or virtual appointment with the provider you select

Tap into behavioral health support
See which benefits and programs you may be eligible for at myuhc.com. Once there, you can also visit your personalized emotional support page to explore the resources and tools that may help you with the ins and outs of everyday life — even if you might not have any pressing concerns.

Tools and resources at your fingertips: Learn about a variety of behavioral health and well-being topics at myuhc.com Health Resources>Mental Health and Substance Use

• You’ll get access to:

• Articles
• Podcasts
• Videos
• Other tools

To find behavioral health care, sign in or register on myuhc.com and then go to Find Care & Costs>Behavioral Health Directory

Support for those looking to manage day-to-day stress or those who need but are not yet ready to seek treatment or are looking for an adjunct to treatment. This program delivers personalized, on-demand support that can be accessed anytime, anywhere to help you build resilience with new skills and daily habits.

• Assessments and tracking
• Mental health skills and tools – Cognitive Behavioral Therapy skills, mediations and mindful techniques and sleep tracking
• Interactive activities and content to assist with specific needs such as parenting stress, work-related burnout or coping with social injustice
• Community support – Peer to peer sharing and learning, see others’ experiences.

Specialist Management Solutions (SMS) is part of your health plan and exists to simplify your path to affordable, quality surgery and specialty care. Think of SMS as a concierge service. In one phone call to SMS, you get instant access to a care advocate who will help you find a local surgeon who specializes in your condition, schedule an appointment for you, and talk to you about your options for where you can receive care for a surgery or other outpatient procedure. SMS will be available for you or your family member throughout the experience of getting surgery, available to answer questions and provide assistance at any time. 

Specialties include: ‍Cardiovascular, ENT, Gastrointestinal, General Surgery, MSK/Spine, Ophthalmology, Orthopedic, Pain Management, Podiatry, Urology, Women’s Health 

*Payment for medical appointments and treatments remain member’s responsibility and are subject to plan benefits. 

Supporting informed decisions with access to personalized second opinions

The Second Opinion service through 2nd.MD helps our members with a diagnosis get an expert opinion from leading medical experts. This service is available at no additional charge and includes:

• Virtual and phone consultations
• A written summary within 24 hours
• Chat and text capabilities with a dedicated nurse
• Referrals and appointment scheduling for local peer-to-peer consults, if needed

 Offering a concierge-like experience

You can request a consult online or by phone. After receiving the request, a care team nurse:

1. Performs triage and intake
2. Sends the employee’s medical records and recommends a medical expert
3. Schedules the consultation; the employee meets with the expert and receives a written summary
4. Coordinates any follow-up needs within 9–14 days

Providing expert help throughout the care journey

The Second Opinion service provides second opinions for a variety of needs. Providers are hand-selected to help give you access to leading physicians who specialize in your condition. Consultations may cover:

• New diagnoses
• Changes in treatment
• Chronic conditions
• Potential surgeries

2nd.MD works with top physicians across the country who are world-class medical experts and have trained and worked at elite institutions such as Cleveland Clinic, Boston Children's Hospital, and Hospital for Special Surgery.

Real Appeal® provides tools and support to help members lose weight and prevent weight- related health conditions. Real Appeal is provided at no additional cost to eligible members as part of your medical benefit plan.
The program can help motivate members to improve their health and reduce risk of developing costly, chronic conditions like cardiovascular disease and diabetes. The program combines clinically proven science with engaging content that teaches members how to eat healthier and be active, without turning their lives upside down, to help them achieve and maintain their weight-loss goals.

Real Appeal includes:

Social community resources such as: Real Appeal LinkedIn community; Facebook community; YouTube videos including getting started, workouts and success stories

A Success Kit - After attending their first group coaching session, members receive a Success Kit with tools to help them kick-start their weight loss. The kit includes items such as:

• Balanced Portion plate
• Electronic food scale
• Digital weight scale
• Fitness guide

A personalized Health Coach - Coaches guide members through the program step-by-step, customizing it to help fit their needs, personal preferences, goals and medical history.
24/7 online support and mobile app through our Rally Coach portal or directly through our Rally Coach mobile app. Staying accountable to goals may be easier than ever.
• Customizable food, activity, weight and goal trackers.
• Unlimited access to digital content.
• An online lifestyle program to help you learn new ways to be your healthiest self

Quit for Life provides our members with resources and support for tobacco cessation. Included are:

• Portal and mobile app
• Online learning with interactive and personalized content and a community support forum
• Integrated online and telephonic experience
• Live coaching sessions with coaches with degrees in counseling, addiction studies, and related fields
• Nicotine replacement therapy counseling
• 24/7 support for easier access to services
• Nicotine replacement therapy both prescription medications and over the counter products (with prescription)

 Get started today. Go to myuhc.com, Visit the "Health Resources" tab on the top right, Choose the "Quit for Life" tile.

Maternity Health Solutions is designed to help improve outcomes and lower costs by providing moms-to-be with personalized care for clinical, behavioral and other holistic needs.

• Maternity-related courses available on myuhc.com regarding course topics such as:
  • Preconception: Preparing for a healthy pregnancy
  • Pregnancy in the first trimester
  • Pregnancy in the second trimester
  • Pregnancy in the third trimester
  • The fourth trimester after pregnancy: Postpartum
  • Pregnancy nutrition and exercise
  • Exploring breastfeeding
• Maternity risk assessment on Myuhc.com
• Additional support for high-risk cases

Choosing a doctor is one of the most important health decisions you’ll make. The UnitedHealth Premium^® program can help you find doctors who are right for you and your family. You can find quality, cost-efficient care. Studies show that people who actively engage in their health care decisions have fewer Hospitalizations, fewer emergency visits, higher utilization of preventive care and overall lower medical costs.

The program evaluates physicians in various specialties using evidence-based medicine and national standardized measures to help you locate quality and cost-efficient providers. It’s easy to find a UnitedHealth Premium Care Physician. Just go to myuhc.com^® and click on Find a Doctor.  Choose smart. Look for blue hearts.

• Premium Care Physician meets UnitedHealth Premium program quality & cost efficient care criteria.
• Quality Care Physician meets UnitedHealth Premium program quality care criteria, but does not meet the program’s cost efficient care criteria or is not evaluated for cost-efficient care. Physician is not eligible for a Premium designation.
• Not Evaluated for Premium Care physician’s specialty is not evaluated and/or does not have enough claims data for program evaluation or the physician’s program evaluation is in process. 

For those living with pain, it can be frustrating — from determining the cause to taking the right steps to manage it. If you have pain in your back, neck, shoulder, hip or knee, this letter is to let you know an orthopedic nurse is available for ongoing support.

This program is offered at no extra cost to you, as part of your benefits. So call today — a registered nurse is ready to answer your questions and help you:

• Understand treatment options
• Estimate treatment costs and see how you could save money
• Manage your pain
• Learn more about a certain diagnosis and your options
• Access top providers and help you prepare for surgery and recovery, if you and your doctor decide surgery is needed

Whether you just started experiencing pain or have had it for a long time, we’re here to help.

• No extra cost. Health Support is available to you at no additional cost as part of your benefit plan.
• 1-on-1 support.
• Speak with a nurse for information, answers and encouragement, along the way.
• Know that your health information is kept confidential in accordance with the law.
• More about Health Support

Enrollment in the Orthopedic Health Support program allows you to save copayments/coinsurance/ hospital copayments for certain orthopedic procedures. You may be required to use a Center of Excellence (COE) facility. An orthopedic nurse will help you identify participating providers and facilities.

Under the flexible benefits option, we determine the most effective way to provide services.

• We may identify medically appropriate alternatives to regular contract benefits as a less costly alternative. If we identify a less costly alternative, we will ask you to sign an alternative benefits agreement that will include all of the following terms in addition to other terms as necessary.  Until you sign and return the agreement, regular contract benefits will continue.
• Alternative benefits will be made available for a limited time period and are subject to our ongoing review. You must cooperate with the review process.
• By approving an alternative benefit, we do not guarantee you will get it in the future.
• The decision to offer an alternative benefit is solely ours, and except as expressly provided in the agreement, we may withdraw it at any time and resume regular contract benefits.
• If you sign the agreement, we will provide the agreed-upon alternative benefits for the stated time period (unless circumstances change). You may request an extension of the time period, but regular contract benefits will resume if we do not approve your request.
• Our decision to offer or withdraw alternative benefits is not subject to OPM review under the disputed claims process. However, if at the time we make a decision regarding alternative benefits, we also decide that regular contract benefits are not payable, then you may dispute our regular contract benefits decision under the OPM disputed claim process (see Section 8).

To be a qualifying clinical trial, a trial must meet the following criteria:

Be sponsored and provided by a cancer center that has been designated by the National Cancer Institute (NCI) as a Clinical Cancer Center or Comprehensive Cancer Center or be sponsored by any of the following:

• National Institutes of Health (NIH). (Includes National Cancer Institute (NCI).)
• Centers for Disease Control and Prevention (CDC).
• Agency for Healthcare Research and Quality (AHRQ).
• Centers for Medicare and Medicaid Services (CMS).
• Department of Defense (DOD).
• Veterans Administration (VA).
• The clinical trial must have a written protocol that describes a scientifically sound study and have been approved by all relevant institutional review boards (IRBs) before participants are enrolled in the trial. We may, at any time, request documentation about the trial to confirm that the clinical trial meets current standards for scientific merit and has the relevant IRB approvals. Benefits are not available for preventive clinical trials.
• The subject or purpose of the trial must be the evaluation of an item or service that meets the definition of a Covered Health Service and is not otherwise excluded under the Policy.

Receive reimbursement for your Medicare Part B Premium

• $150.00 will be paid on your behalf directly to Medicare
• See a reduction in your quarterly Medicare bill, or an increase in your Social Security payment or annuity payment
• Receive this benefit for every month you’re enrolled in the plan

Renew Active is a fitness benefit which is included in the Medicare Advantage plan which provides:

• A free gym membership to participating facilities
  • To view participating facilities, please visit www.uhcrenewactive.com
• Access to an extensive network of gyms and fitness locations near members
• A personalized fitness plan
• Access to a wide variety of fitness classes
• An online brain health program, exclusively from AARP® Staying Sharp
• Connecting with others at local health and wellness events, and through the Fitbit® Community for Renew Active

Shop for hundreds of over-the-counter items such as toothpaste, vitamins, and personal care from the Health Products catalog.

• Members will receive $40 each quarter to spend on items from the provided catalog
• Items are delivered directly to your door
• Orders can be place over the phone, by mail, or online

With the UnitedHealthcare® HouseCalls program, you get an annual in-home preventive care visit from one of our health care practitioners at no extra cost.

What does HouseCalls include?

• One 45 to 60-minute at-home visit from a health care practitioner, each year.
• A head-to-toe exam, health screenings and plenty of time to talk about your health questions.
• A custom care plan made just for you. 
• Help connecting you with additional care you may need.

Healthy at Home provides the following benefits up to 30 days following all inpatient and skilled nursing facility discharges when referred by a UnitedHealthcare Advocate:

• Home-Delivered Meals
  Receive 28 home-delivered meals provided by Mom’s Meals
• Non-emergency transportation
  Receive 12 one-way rides to medically related appointments and to the pharmacy provided by ModviCare
• In-home Personal Care
• Receive 6 hours of in-home personal care through our exclusive national provider CareLinx

UnitedHealthcare® works with Lifeline to provide a personal emergency response system at no cost for Retiree Advantage plan members

Lifeline personal emergency response system (PERS) allows you to ask for help whenever you need it, anytime of day or night – 365 days of the year, 24/7. All you need to do is press the help button, worn as a wristband or pendant, and a Trained Care Specialist will assist you to make sure you quickly get the help you need.

• Features include:
  Optional AutoAlert fall detection technology automatically provides access to help if it detects a fall – even if wearer is disoriented, immobilized or unconscious and cannot press their help button
• Cellular or landline compatible, Lifeline works anywhere in the U.S., where current telephone service is provided
• Lightweight, waterproof₃ help button can be worn on the wrist or as a pendant

Real Appeal is a weight loss program that can help members feel and look better. The program provides everything they need to lose weight and keep it off. This program is a pilot for select members residing in Wisconsin.

 The online program includes:

• Personalized diabetes prevention coaching
• 24/7 online support and mobile app
• Customizable food, activity, weight and goal trackers
• Success group support, which lets members chat with others who are doing the Real Appeal program
• The weekly Real Appeal All-Star Show featuring healthy tips from celebrities, athletes and health experts

 Success Kit includes:

• Program, nutrition, and fitness guides
• Tools to help cook healthier, tasty meals
• Delivered right to their front door after attending their first group coaching session

UnitedHealthcare Hearing provides members with greater technology, choice and convenience

• Rechargeable hearing aids, remote adjustments and other advanced feature devices are available at up to 80% less than standard industry prices through direct delivery, including top brands in multiple styles
• 6,500+ locations nationwide
• Chose home delivery or in person options
• 3-minute online hearing test to assess hearing loss/need for in-person test
• Members receive $1500 allowance every 36 months towards the purchase of hearing aids
• You must use a UnitedHealthcare Hearing provider for the purchase of your hearing aids. 

Quit For Life has helped 3.5 million members quit smoking or using tobacco. It provides the tools and one-on-one support to help you quit your way.

And for UnitedHealthcare members, it’s offered at $0 out of pocket.

With a 95% satisfaction rate, Quit for Life provides

• Tools and support to help members quit cigarettes, e-cigarettes, vaping and tobacco
• A personal, one-on-one Quit Coach to help you create a customized quit plan
• The Quit for Life mobile app, which offers 24/7 urge management support
• Text2Quit text messages for daily tips and encouragement

Quit medications – Such as nicotine gum or patches – for no charge, based on eligibility

In most cases, providers and facilities file claims for you. Providers must file on the form CMS-1500, Health Insurance Claim Form. Your facility will file on the UB-04 form. For claims questions and assistance, call us at 1-877-835-9861.

When you must file a claim – such as for services you received outside the Plan’s service area – submit it on the CMS-1500 or a claim form that includes the information shown below. Bills and receipts should be itemized and show:

• Covered member’s name, date of birth, address, phone number and ID number;
• Name and address of the provider or facility that provided the service or supply;
• Dates you received the services or supplies;
• Diagnosis;
• Type of each service or supply;
• The charge for each service or supply;
• A copy of the explanation of benefits, payments, or denial from any primary payor – such as the Medicare Summary Notice (MSN);
• Receipts, if you paid for your services.

Note: Canceled checks, cash register receipts, or balance due statements are not acceptable substitutes for itemized bills.

Submit your claims to: UnitedHealthcare, P.O. Box 30555, Salt Lake City, UT 84130-0555.

We will notify you of our decision within 30-days after we receive the claim.  If matters beyond our control require an extension of time, we may take up to an additional 15-days for review as long as we notify you before the expiration of the original 30-day period.  Our notice will include the circumstances underlying the request for the extension and the date when a decision is expected.

If we need an extension because we have not received necessary information from you, our notice will describe the specific information required and we will allow you up to 60-days from the receipt of the notice to provide the information.

If you do not agree with our initial decision, you may ask us to review it by following the disputed claims process detailed in Section 8 of this brochure.

 You may designate an authorized representative to act on your behalf for filing a claim or to appeal claims decisions to us. For urgent care claims, a health care professional with knowledge of your medical condition will be permitted to act as your authorized representative without your express consent. For the purposes of this section, we are also referring to your authorized representative when we refer to you.

If you live in a county where at least 10% of the population is literate only in a non-English language (as determined by the Secretary of Health and Human Services), we will provide language assistance in that non-English language.  You can request a copy of your Explanation of Benefits (EOB) statement, related correspondence, oral language services (such as phone customer assistance), and help with filing claims and appeals (including external reviews) in the applicable non-English language.  The English versions of your EOBs and related correspondence will include information in the non-English language about how to access language services in that non-English language.

Any notice of an adverse benefit determination or correspondence from us confirming an adverse benefit determination will include information sufficient to identify the claim involved (including the date of service, the health care provider, and the claim amount, if applicable), and a statement describing the availability, upon request, of the diagnosis and procedure codes.

Ask us in writing to reconsider our initial decision. You must:

a) Write to us within 6 months from the date of our decision; and

b) Send your request to us at: UnitedHealthcare Federal Employees Health Benefits (FEHB) Program Appeals, P.O. Box 30573, Salt Lake City, UT 84130-0573 ; and

c) Include a statement about why you believe our initial decision was wrong, based on specific benefit provisions in this brochure; and

d) Include copies of documents that support your claim, such as physicians' letters, operative reports, bills, medical records, and explanation of benefits (EOB) forms.

e)  Your email address, if you would like to receive our decision via email.  Please note that by providing your email address, you may receive our decision more quickly.

We will provide you, free of charge and in a timely manner, with any new or additional evidence considered, relied upon, or generated by us or at our direction in connection with your claim and any new rationale for our claim decision.  We will provide you with this information sufficiently in advance of the date that we are required to provide you with our reconsideration decision to allow you a reasonable opportunity to respond to us before that date.  However, our failure to provide you with new evidence or rationale in sufficient time to allow you to timely respond shall not invalidate our decision on reconsideration.  You may respond to that new evidence or rationale at the OPM review stage described in step 4.

In the case of a post-service claim, we have 30 days from the date we receive your request to:

a) Pay the claim or  

b) Write to you and maintain our denial or.

c) Ask you or your provider for more information

You or your provider must send the information so that we receive it within 60 days of our request.  We will then decide within 30 more days.

If we do not receive the information within 60 days we will decide within 30 days of the date the information was due.  We will base our decision on the information we already have.  We will write to you with our decision.

If you do not agree with our decision, you may ask OPM to review it.

You must write to OPM within:

• 90 days after the date of our letter upholding our initial decision; or
• 120 days after you first wrote to us -- if we did not answer that request in some way within 30 days; or
• 120 days after we asked for additional information

Write to OPM at: United States Office of Personnel Management, Federal Employee Insurance Operations, FEHB 3, 1900 E Street, NW, Washington, DC 20415-3630. 

Send OPM the following information:

• A statement about why you believe our decision was wrong, based on specific benefit provisions in this brochure;
• Copies of documents that support your claim, such as physicians' letters, operative reports, bills, medical records, and explanation of benefits (EOB) forms;
• Copies of all letters you sent to us about the claim;
• Copies of all letters we sent to you about the claim; and
• Your daytime phone number and the best time to call.
• Your email address, if you would like to receive OPM’s decision via email.  Please note that by providing your email address, you may receive OPM’s decision more quickly.

Note:  If you want OPM to review more than one claim, you must clearly identify which documents apply to which claim.

Note:  You are the only person who has a right to file a disputed claim with OPM.  Parties acting as your representative, such as medical providers, must include a copy of your specific written consent with the review request.  However, for urgent care claims, a health care professional with knowledge of your medical condition may act as your authorized representative without your express consent.

Note:  The above deadlines may be extended if you show that you were unable to meet the deadline because of reasons beyond your control.

OPM will review your disputed claim request and will use the information it collects from you and us to decide whether our decision is correct.  OPM will send you a final decision within 60-days.  There are no other administrative appeals.

If you do not agree with OPM’s decision, your only recourse is to sue.  If you decide to sue, you must file the suit against OPM in Federal court by December 31 of the third year after the year in which you received the disputed services, drugs, or supplies or from the year in which you were denied precertification or prior approval.  This is the only deadline that may not be extended.

OPM may disclose the information it collects during the review process to support their disputed claim decision.  This information will become part of the court record.

You may not sue until you have completed the disputed claims process.  Further, Federal law governs your lawsuit, benefits, and payment of benefits.  The Federal court will base its review on the record that was before OPM when OPM decided to uphold or overturn our decision.  You may recover only the amount of benefits in dispute.

You must tell us if you or a covered family member has coverage under any other health plan or has automobile insurance that pays health care expenses without regard to fault. This is called “double coverage.”

When you have double coverage, one plan normally pays its benefits in full as the primary payor and the other plan pays a reduced benefit as the secondary payor. We, like other insurers, determine which coverage is primary according to the National Association of Insurance Commissioners’ (NAIC) guidelines.  For more information on NAIC rules regarding the coordination of benefits, visit our website at myuhc.com.  

When we are the primary payor, we will pay the benefits described in this brochure. 

When we are the secondary payor, we will determine our allowance.  After the primary plan processes the benefit, we will pay what is left of our allowance, up to our regular benefit.  We will not pay more than our allowance. 

If you elect to enroll in the UnitedHealthcare Retiree Advantage plan, your FEHB plan will not coordinate benefits. The UnitedHealthcare Retiree Advantage plan will take over as the primary and only payer.

TRICARE is the health care program for eligible dependents of military persons, and retirees of the military. TRICARE includes the CHAMPUS program. CHAMPVA provides health coverage to disabled Veterans and their eligible dependents. IF TRICARE or CHAMPVA and this Plan cover you, we pay first. See your TRICARE or CHAMPVA Health Benefits Advisor if you have questions about these programs.

Suspended FEHB coverage to enroll in TRICARE or CHAMPVA: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in one of these programs, eliminating your FEHB premium. (OPM does not contribute to any applicable plan premiums.) For information on suspending your FEHB enrollment, contact your retirement  or employing office. If you later want to re-enroll in the FEHB Program, generally you may do so only at the next Open Season unless you involuntarily lose coverage under TRICARE or CHAMPVA.

Every job-related injury or illness should be reported as soon as possible to your supervisor. Injury also means any illness or disease that is caused or aggravated by the employment as well as damage to medical braces, artificial limbs and other prosthetic devices. If you are a federal or postal employee, ask your supervisor to authorize medical treatment by use of form CA-16 before you obtain treatment. If your medical treatment is accepted by the Dept. of Labor Office of Workers’ Compensation (OWCP), the provider will be compensated by OWCP. If your treatment is determined not job-related, we will process your benefit according to the terms of this plan, including use of in-network providers. Take form CA-16 and form OWCP-1500/HCFA-1500 to your provider, or send it to your provider as soon as possible after treatment, to avoid complications about whether your treatment is covered by this plan or by OWCP.

We do not cover services that:

• You (or a covered family member) need because of a workplace-related illness or injury that the Office of Workers’ Compensation Programs (OWCP) or a similar federal or state agency determines they must provide; or
• OWCP or a similar agency pays for through a third-party injury settlement or other similar proceeding that is based on a claim you filed under OWCP or similar laws.

When you have this Plan and Medicaid, we pay first.

Suspended FEHB coverage to enroll in Medicaid or a similar state-sponsored program of medical assistance: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in one of these state programs, eliminating your FEHB premium. For information on suspending your FEHB enrollment, contact your retirement or employing office. If you later want to re-enroll in the FEHB Program, generally you may do so only at the next Open Season unless you involuntarily lose coverage under the state program.

We do not cover services and supplies when a local, state, or federal government agency directly or indirectly pays for them.

If you have received benefits or benefit payments as a result of an injury or illness and you or your representatives, heirs, administrators, successors, or assignees receive payment from any party that may be liable, a third party’s insurance policies, your own insurance policies, or a workers’ compensation program or policy, you must reimburse us out of that payment.  Our right of reimbursement extends to any payment received by settlement, judgment, or otherwise.

We are entitled to reimbursement to the extent of the benefits we have paid or provided in connection with your injury or illness.  However, we will cover the cost of treatment that exceeds the amount of the payment you received.

Reimbursement to us out of the payment shall take first priority (before any of the rights of any other parties are honored) and is not impacted by how the judgment, settlement, or other recovery is characterized, designated, or apportioned.  Our right of reimbursement is not subject to reduction based on attorney fees or costs under the “common fund” doctrine and is fully enforceable regardless of whether you are “made whole” or fully compensated for the full amount of damages claimed.

We may, at our option, choose to exercise our right of subrogation and pursue a recovery from any liable party as successor to your rights.

Some FEHB plans already cover some dental and vision services. When you are covered by more than one dental/vision plan, coverage provided under your FEHB Plan remains as your primary coverage. FEDVIP coverage pays secondary to that coverage. When you enroll in a dental and/or vision plan on BENEFEDS.com or by phone at 1-877-888-3337, (TTY 1-877-889-5680), you will be asked to provide information on your FEHB plan so that your plans can coordinate benefits. Providing your FEHB information may reduce your out-of-pocket cost.

An approved clinical trial includes a phase I, phase II, phase III, or phase IV clinical trial that is conducted in relation to the prevention, detection, or treatment of cancer or other life-threatening disease or condition and is either Federally funded; conducted under an investigational new drug application reviewed by the Food and Drug Administration; or is a drug trial that is exempt from the requirement of an investigational new drug application. 

If you are a participant in a clinical trial, and the related care is not covered within the clinical trial, this plan will provide coverage for related costs based on the criteria listed below.

• Routine care costs - costs for routine services such as doctor visits, lab tests, x-rays and scans, and hospitalizations related to treating the patient's condition, whether the patient is in a clinical trial or is receiving standard therapy.  These costs are covered by the plan.
• Extra care costs - costs related to taking part in a clinical trial such as additional tests that a patient  may need as part of the trial, but not as part of the patient's routine care.  This plan does not cover these costs.
• Research costs- costs related to conducting the clinical trial such as research physician and nurse time, analysis of results, and clinical tests performed only for research purposes are considered research costs.  This plan does not cover these costs.

The Original Medicare Plan (Original Medicare) is available everywhere in the United States. It is the way everyone used to get Medicare benefits and is the way most people get their Medicare Part A and Part B benefits now. You may go to any doctor, specialist, or hospital that accepts Medicare. The Original Medicare Plan pays its share and you pay your share.

All physicians and other providers are required by law to file claims directly to Medicare for members with Medicare Part B, when Medicare is primary.  This is true whether or not they accept Medicare.

When you are enrolled in Original Medicare along with this Plan, you still need to follow the rules in this brochure for us to cover your care.

Claims process when you have the Original Medicare Plan – You will probably not need to file a claim form when you have both our Plan and the Original Medicare Plan.

When we are the primary payor, we process the claim first.

When Original Medicare is the primary payor, Medicare processes your claim first. In most cases, your claim will be coordinated automatically and we will then provide secondary benefits for covered charges. You will not need to do anything. To find out if you need to do something to file your claim, call us at 1-877-835-9861 or see our Web site at www.uhcfeds.com. 

We do not waive any costs if the Original Medicare Plan is your primary payor. 

Please review the following examples which illustrates your cost share if you are enrolled in Medicare Part B. Medicare will be primary for all Medicare eligible services. Members must use providers who accept Medicare’s assignment.

Benefit Description: Deductible
High Option You Pay without Medicare: $500 Self Only, $1,000 Self Plus One or Self and Family
High Option You Pay with Medicare Part B: $500 Self Only, $1,000 Self Plus One or Self and Family

Benefit Description: Out-of-Pocket Maximum
High Option You Pay without Medicare: $7,350 Self Only/$14,700 Self Plus One or Self and Family
High Option You Pay with Medicare Part B: $7,350 Self Only/$14,700 Self Plus One or Self and Family

Benefit Description: Part B Premium Reimbursement
High Option You Pay without Medicare: N/A
High Option You Pay with Medicare Part B: N/A

Benefit Description: Primary Care Physician
High Option You Pay without Medicare: Nothing - not subject to deductible
High Option You Pay with Medicare Part B: Nothing - not subject to deductible

Benefit Description: Specialist
High Option You Pay without Medicare: $60 not subject to deductible
High Option You Pay with Medicare Part B: $60 not subject to deductible

Benefit Description: Inpatient Hospital
High Option You Pay without Medicare: 20% per admission
High Option You Pay with Medicare Part B: 20% per admission

Benefit Description: Outpatient
High Option You Pay without Medicare: 20% coinsurance 
High Option You Pay with Medicare Part B: 20% coinsurance free-standing  surgical center or 20% plus $250 per occurrence deductible if hospital-based surgical center

Benefit Description: Incentive offered
High Option You Pay without Medicare: N/A
High Option You Pay with Medicare Part B: N/A

We offer a plan designed to help members with their Medicare Part B premium. This plan is called, UnitedHealthcare Retiree Advantage.  If you have Medicare Parts A and B and enroll in the UHCA, you will be reimbursed $150.00 of your Medicare Part B monthly premium. 

Part B reimbursements will begin approximately 90 days following the approval of your Retiree Advantage application.

To learn more about UnitedHealthcare Retiree Advantage and how to enroll, call us at 1-844-481-8821, 8 a.m. to 8 p.m., local time. For TTY for the deaf, hard of hearing, or speech impaired, call 711. We will send you additional information.

If you are eligible for Medicare, you may choose to enroll in and get your Medicare benefits from a Medicare Advantage plan. These are private health care choices (like HMOs and regional PPOs) in some areas of the country.

To learn more about Medicare Advantage plans, contact Medicare at 1-800-MEDICARE 1-800-633-4227, TTY 1-877-486-2048 or at  www.medicare.gov or UnitedHealthcare Retiree solutions at 1-844-481-8821

If you enroll in a Medicare Advantage plan, the following options are available to you:

This Plan and our Retiree Advantage plan: If you enroll in our Medicare Advantage plan you MUST also remain enrolled in our FEHB plan. Do not suspend or terminate your FEHB coverage.  For more information on our Medicare Advantage plan, please contact us at 1-844-481-8821. 

You may enroll in our UnitedHealthcare Retiree Advantage Plan if:

• You are enrolled in this UnitedHealthcare FEHBP plan and have both Medicare Part A and Part B
• You are retired and live in our geographic service area - see Section 1 which describes our service area.
• You are a United States citizen or are lawfully present in the United States
• You do NOT have End-Stage Renal Disease (ESRD), with limited exceptions
• You complete an application for enrollment in the UnitedHealthcare Retiree Advantage Plan.

As part of this process CMS will verify your Medicare Part B enrollment. If the FEHB subscriber and/or dependent enrolls in the Retiree Advantage plan, each family member will have to complete an application by calling into our Retiree Solutions team (1-844-481-8821).  If you enroll in our Retiree Advantage plan do not suspend or terminate your FEHB plan or all benefits will be termed in both FEHB and Retiree Advantage and you will be without any coverage. Members who are not eligible for Medicare Part A and B will remain on the FEHB plan benefits. If, for any reason, you do not meet the enrollment requirements, you will no longer be eligible to participate in the Retiree Advantage plan. Your contributions will end and your regular FEHB benefits will resume. You may be required to repay any reimbursements paid to you in error.

We offer a plan designed:

• To help members with their Medicare Part B premium costs
• To provide access to our national network of providers, (in-network or out-of-network) at the same cost share
• To cover eligible medical benefits with little to no out of pocket costs
• Provide prescription coverage through the gap or "donut hole" with no increased copays

The Retiree Advantage plan provides monthly reimbursement of $150.00 of your Medicare Part B monthly premium. In addition, we cover benefits, including office visit copayments at ($0), urgent care and emergency care at ($0), plus additional coverage for hearing aids discounts and wellness programs.   We have included a chart in this section. 

This Plan and another plan’s Medicare Advantage plan: You may enroll in another plan’s Medicare Advantage plan and also remain enrolled in our FEHB plan. We will still provide benefits when your Medicare Advantage plan is primary, even out of the Medicare Advantage plan’s network and/or service area (if you use our Plan providers), but we will not waive any of our copayments or coinsurance. If you enroll in a Medicare Advantage plan, tell us. We will need to know whether you are in the Original Medicare Plan or in a Medicare Advantage plan so we can correctly coordinate benefits with Medicare.  

Suspended FEHB coverage to enroll in a Medicare Advantage plan: If you are an annuitant or former spouse, you can suspend your FEHB coverage to enroll in a Medicare Advantage plan, eliminating your FEHB premium. (OPM does not contribute to your Medicare Advantage plan premium.) For information on suspending your FEHB enrollment, contact your retirement or employing office. If you later want to re-enroll in the FEHB Program, generally you may do so only at the next Open Season unless you involuntarily lose coverage or move out of the Medicare Advantage plan’s service area.

If you enroll in the UnitedHealthcare Retiree Advantage Group Medicare Advantage plan you must retain your FEHB coverage.  Do not suspend your FEHB coverage as this will make you ineligible for the Retiree Advantage plan. If you elect to enroll in the UnitedHealthcare Retiree Advantage plan which includes Medicare part D, your FEHB plan will not coordinate benefits. The UnitedHealthcare Retiree Advantage plan will take over as the primary and only payer.

Benefit Description: Deductible
Member Cost without Medicare: $500 Self Only; $1,000 Self Plus One and $1,000 Self and Family
Member Cost with Medicare Part B: $500 Self Only; $1,000 Self Plus One and $1,000 Self and Family
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: No plan deductible

Benefit Description: Out-of-Pocket Maximum
Member Cost without Medicare: $7,350 Self Only; $14,700 Self Plus One and $14,700 Self and Family
Member Cost with Medicare Part B: $7,350 Self Only; $14,700 Self Plus One and $14,700 Self and Family
Member Cost with UnitedHealthcare Retiree Advantage Health Plan:  

Benefit Description: Primary Care Physician
Member Cost without Medicare: $0
Member Cost with Medicare Part B: $0
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: $0

Benefit Description: Specialist
Member Cost without Medicare: $60
Member Cost with Medicare Part B: $60
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: $0

Benefit Description: Virtual Visits
Member Cost without Medicare: $0
Member Cost with Medicare Part B: $0
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: $0

Benefit Description: Urgent Care
Member Cost without Medicare: $50
Member Cost with Medicare Part B: $50
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: $0

Benefit Description: Emergency
Member Cost without Medicare: 20%  after deductible
Member Cost with Medicare Part B: 20%  after deductible
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: $0

Benefit Description: Inpatient Hospital
Member Cost without Medicare: 20% after deductible
Member Cost with Medicare Part B: 20% after deductible
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: $0

Benefit Description: Outpatient Hospital
Member Cost without Medicare: 20% after deductible
Member Cost with Medicare Part B: 20% after deductible
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: $0

Benefit Description: Rx (30-day supply) at retail
Member Cost without Medicare:
Deductible: Tier (3 & 4 only): $250 Self Only; $500 Self Plus One and Self and Family
Tier 1:$5 copayment
Tier 2:$50 copayment
Tier 3:$100 copayment
Tier 4:$150 copayment
Tier 3 and Tier 4 are subject to pharmacy deductible

Member Cost with Medicare Part B:
Deductible: Tier (3 & 4 only): $250 Self Only; $500 Self Plus One and Self and Family
Tier 1:$5 copayment
Tier 2:$50 copayment
Tier 3:$100 copayment
Tier 4:$150 copayment
Tier 3 and Tier 4 are subject to pharmacy deductible

Member Cost with UnitedHealthcare Retiree Advantage Health Plan:  
Tier 1:$6;
Tier 2:$25;
Tier 3:$60;
Tier 4:$90

Benefit Description: Rx – Mail Order (90-day supply)
Member Cost without Medicare: 2.5 x retail copay
Member Cost with Medicare Part B: 2.5 x retail copay
Member Cost with UnitedHealthcare Retiree Advantage Health Plan: 2 x retail copay

When we are the primary payor, we process the claim first. If you enroll in Medicare Part D and we are the secondary payor, we will review claims for your prescription drug costs that are not covered by Medicare Part D and consider them for payment under the FEHB plan. 

If you elect to enroll in the UnitedHealthcare Retiree Advantage plan which includes Medicare part D, your FEHB plan will not coordinate benefits. The UnitedHealthcare Retiree Advantage plan will take over as the primary and only payer.

• You have FEHB coverage on your own or through your spouse who is also an active employee

• You have FEHB coverage through your spouse who is an annuitant

• It is within the first 30 months of eligibility for or entitlement to Medicare due to ESRD (30-month coordination period)

• It is beyond the 30-month coordination period and you or a family member are still entitled to Medicare due to ESRD

• This Plan was the primary payor before eligibility due to ESRD (for 30-month coordination period)

• Medicare was the primary payor before eligibility due to ESRD

• Medicare based on age and disability

• Medicare based on ESRD (for the 30-month coordination period)

• Medicare based on ESRD (after the 30-month coordination period)

An approved clinical trial includes a phase I, phase II, phase III, or phase IV clinical trial that is conducted in relation to the prevention, detection, or treatment of cancer or other life-threatening disease or condition and is either Federally funded; conducted under an investigational new drug application reviewed by the Food and Drug Administration; or is a drug trial that is exempt from the requirement of an investigational new drug application.  Routine care costs- costs for routine services such as doctor visits, lab tests, X-rays and scans, and hospitalizations related to treating the patient's cancer, whether the patient is in a clinical trial or is receiving standard therapy

• Extra care costs - costs related to taking part in a clinical trial such as additional tests that a patient may need as part of the trial, but not as part of the patient's routine care.
• Research costs - costs related to conducting the clinical trial such as research physician and nurse time, analysis of results, and clinical tests performed only for research purposes.

See Section 4, page (Applies to printed brochure only)

See Section 4, page (Applies to printed brochure only)

See Section 4, page (Applies to printed brochure only)

Services that are non-health related, such as daily living activities, or services which are health related but do not seek to cure, or services which do not require a trained medical professional. Custodial care that lasts 90-days or more is sometimes known as long term care.

See Section 4, page (Applies to printed brochure only)

Experimental or Investigational Service(s) - medical, surgical, diagnostic, psychiatric, mental health, substance use disorders or other health care services, technologies, supplies, treatments, procedures, drug therapies, medications or devices that, at the time we make a determination regarding coverage in a particular case are determined to be any of the following:

• Not approved by the U.S. Food and Drug Administration (FDA) to be lawfully marketed for the proposed use and not identified in the American Hospital Formulary Service or the United States American Hospital Pharmacopoeia Dispensing Information as appropriate for the proposed use
• Not recognized, in accordance with generally accepted medical standards, as being safe and effective for your condition;
• Subject to review and approval by any institution review board for the proposed use. (Devices which are FDA approved under the Humanitarian Use Device exemption are not considered to be
  Experimental or Investigational).
• The subject of an ongoing clinical trial that meets the definition of a  Phase 1, 2 or 3 clinical trial set forth in the  FDA regulations, regardless of whether the trial is actually subject to FDA oversight

Health care services provided for the purpose of preventing, evaluating, diagnosing or treating a sickness, injury, mental illness, substance use disorder disease or its symptoms, that are all of the following as determined by us or our designee, within our discretion.

• In accordance with Generally Accepted Standards of Medical Practice.
• Clinically appropriate, in terms of type, frequency, extent, site and duration, and considered effective for your sickness, injury, mental illness, substance use disorder, disease or its symptoms.
• Not mainly for your convenience or that of your doctor or other health care provider
• Not more costly than an alternate drug, service(s) or supply that is at least as likely to produce equivalent therapeutic or diagnostic results as to the diagnosis or treatment of your sickness, injury, disease or symptoms.

Generally Accepted Standards of Medical Practice are standards that are based on credible scientific evidence published in peer-reviewed medical literature generally recognized by the relevant medical community, relying primarily on controlled clinical trials, or if not available, observational studies from more than one institution that suggest a causal relationship between the service or treatment and health outcomes. The fact that a  Physician may prescribe, authorize or direct a service does not of itself make it Medically Necessary or covered by this Plan.

If no credible scientific evidence is available then standards are based on Physician specialty society recommendations or professional standards of care may be considered. We reserve the right to consult expert opinion in determining whether health care services are Medically Necessary. 

Unproven services, including medications, that are determined not to be effective for treatment of the medical condition and/or not to have a beneficial effect on health outcomes due to insufficient and inadequate clinical evidence from well-conducted randomized controlled trials or cohort studies in the prevailing published peer-reviewed medical literature.

• Well-conducted randomized controlled trials. (Two or more treatments are compared to each other, and the patient is not allowed to choose which treatment is received.)
• Well-conducted cohort studies from more than one institution. (Patients who receive study treatment are compared to a group of patients who receive standard therapy. The comparison group must be nearly identical to the study treatment group).

We have a process by which we compile and review clinical evidence with respect to certain health services.  From time to time, we issue medical and drug policies that describe the clinical evidence available with respect to specific health care services.  These medical and drug policies are subject to change without prior notice. You can view these policies at www.myuhc.com.

Please note:  If you have a life-threatening Sickness or condition (one that is likely to cause death within one year of the request for treatment ) we may, in our discretion consider an otherwise Unproven Service to be a Covered Health Service for that Sickness or condition.  Prior to such a consideration, we must first establish that there is sufficient evidence to conclude that, albeit unproven, the service has significant potential as an effective treatment for that Sickness or condition.

A claim for medical care or treatment is an urgent care claim if waiting for the regular time limit for non-urgent care claims could have one of the following impacts:

• Waiting could seriously jeopardize your life or health;
• Waiting could seriously jeopardize your ability to regain maximum function; or
• In the opinion of a physician with knowledge of your medical condition, waiting would subject you to severe pain that cannot be adequately managed without the care or treatment that is the subject of the claim.

Urgent care claims usually involve Pre-Service claims and not Post-Service claims. We will determine whether or not a claim is an urgent care claim by applying the judgment of a prudent layperson who possesses an average knowledge of health and medicine.

If you believe your claim qualifies as an urgent care claim, please contact our Customer Service Department at 877-835-9861. You may also prove that your claim is an urgent care claim by providing evidence that a physician with knowledge of your medical condition has determined that your claim involves urgent care.

No copayments for preventive care services.  This includes items such as, but not limited to, immunizations, physical examinations and  screenings as appropriate and recommended by U.S. Preventive Services Task Force. Please refer to Section 5. 

(Applies to printed brochure only)

You pay: nothing per primary care physician (PCP) visit for all ages; not subject to deductible. 

$60 copayment per specialist visit; not subject to deductible

(Applies to printed brochure only)

You pay nothing

(Applies to printed brochure only)

You pay: 20% coinsurance 

(Applies to printed brochure only)

You pay 20% coinsurance in an approved free-standing surgical center or 20% coinsurance plus $250 per occurrence deductible in a hospital-based surgical center. 

(Applies to printed brochure only)

You pay: 20% coinsurance 

(Applies to printed brochure only)

Regular cost-sharing

(Applies to printed brochure only)

Tier 1: $5 copayment  

Tier 2: $50 copayment

Tier 3: $100 copayment

Tier 4: $150 copayment

Note: Tier 3 and Tier 4 subject to pharmacy deductible

(Applies to printed brochure only)

Tier 1: $12.50 copayment   

Tier 2: $125 copayment

Tier 3: $250 copayment

Tier 4: $375 copayment

Note: Tier 3 and Tier 4 subject to pharmacy deductible

(Applies to printed brochure only)

Tier 1 $5 copayment

Tier 2 $150 copayment

Tier 3 $350 copayment

Tier 4 $500 copayment

(Applies to printed brochure only)

You pay: 20% coinsurance 

(Applies to printed brochure only)

Health4Me; Quit for Life, Maternity Health Solutions, UnitedHealth Premium, Real Appeal, Specialty Pharmacy, Flexible Benefits Option, Cancer Clinical trials

(Applies to printed brochure only)

Nothing after $7,350 for Self Only enrollment or $14,700 for Self Plus One and Self and Family enrollment per year. Some costs do not count toward this protection

(Applies to printed brochure only)

PPO Dental for all FEHB members

(Applies to printed brochure only)