Medical Benefits

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Medical Benefits

Below you will find a summary of the plans for each carrier. For a full list of benefits included, please refer to the benefit summaries. To help find the right plans for you and your family, we provide a medical plan selector tool via Healia. Click here to see an overview of your options, including estimates of your total cost of care, both bi-weekly premium contributions and cost for services + prescription drugs.

Waiver Credit: If you choose not to enroll in medical coverage, you'll receive a $150 credit each month to use towards expenses.

Medical Benefits

Contact Information

UHC:
UHC: My UHC
UHC HMO: 866-633-2446
UHC HSA: 866-314-0335
UHC PPO: 866-633-2446
Group Numbers: UHC PPO and HDHP 933089 | UHC HMO 368665

Kaiser:
Kaiser: Kaiser Permanente
Kaiser: 800-464-4000
Group Numbers: Kaiser Southern California 237004 | Kaiser Northern California 609019

Garner:
Garner: concierge@getgarner.com
Garner: Get Garner

United Healthcare (UHC)

How to find a provider:

Step 1: Go to myuhc.com and click “find a provider” on the left side of the screen
Step 2: Then click “Medical Directory
Step 3: Click on Employer and Individual Plan
Step 4: Select the Appropriate Plan:
- PPO: Select Plus
- HMO: Signature Value
- OR Call: 866-873-3903
United Healthcare Drug Formulary List (note, PDF is 363 pages)

UHC provides additional value add options
Earn up to $300 in annual incentives via the UHC Rewards program
Take advantage of UHC Fitness Membership options
Enhance your experience by utilizing Garner for UHC PPO plans
UHC Signature Value HMO Summary of Benefits Coverage
UHC HMO Benefit Summary
UHC PPO Summary of Benefits Coverage
UHC PPO Benefit Summary
UHC HDHP HSA 1650 Summary of Benefits Coverage
UHC HDHP HSA Benefit Summary
UHC Prescription Drug List
UHC Member Digital Tools
Virtual Therapy for UHC Members
Wellness: UHC Rewards

United Healthcare (UHC) Plan Comparisons

In Network			UHC HMO (CA Only)	UHC PPO	UHC HDHP HSA
	Annual Deductible	Individual	$0	$250	$1,650
	Annual Deductible	Family	$0	$750	$3,300
	Out-of-Pocket Maximum	Individual	$1,500	$2,250	$3,500
	Out-of-Pocket Maximum	Family	$3,000	$4,500	$6,000
	Doctor’s Visit	Primary Care	$10	$20	0%*
	Doctor’s Visit	Specialist	$10	$20	0%*
	Preventive Care		100% covered	100% covered	100% covered
	Emergency Care		$100	$150 + 10%*	0%
	Urgent Care		$10	$20	0%*
	Hospitalization	Inpatient	$0	10%*	0%*
	Hospitalization	Outpatient	$0	10%*	0%*
	Prescription Drugs (retail)	Rx Deductible	None	None	Medical Ded
		Generic	$5	$5	$10*
		Preferred	$25	$25	$30*
		Non-Preferred	$40	$40	$50*
Out of Network	Annual Deductible	Individual	N/A	$250	$4,500
	Annual Deductible	Family	N/A	$750	$9,000
	Out-of-Pocket Maximum	Individual		$6,500	$9,000
	Out-of-Pocket Maximum	Family		$13,000	$18,000
	Emergency Care			10%	$0*
Cost share after the deductible is met * Cost share goes to $0 for utilizing Garner approved providers Important Tips PPO: Access to both In-Network and Out-of-Network coverage, however by staying In-Network, you will receive a higher level of benefit. Out-of-Network providers may balance bill you for any costs of services not covered by the carrier.

UHC HDHP PPO with Garner

This UHC HDHP PPO with Garner an affordable option for accessing approved healthcare services from preferred providers. You will pay out-of-pocket costs for approved services which are 100% reimbursable. Garner will send you a check in the mail. Essentially, this plan is $0 cost as long as eligible services are obtained from a Garner-approved provider.

Garner is an innovative health care benefit that helps members find the best medical providers and reimburses them for qualifying out-of-pocket medical costs. Click here to find more about UHC HDHP PPO with Garner.

United Healthcare (UHC) Plan Comparisons

In Network			UHC HDHP PPO with Garner
	Annual Deductible	Individual	$4,000 / $0**
	Annual Deductible	Family	$8,000 / $0**
	Out-of-Pocket Maximum	Individual	$7,000 / $0**
	Out-of-Pocket Maximum	Family	$14,000 / $0**
	Doctor’s Visit	Primary Care	$30 / $0**
	Doctor’s Visit	Specialist	$60 / $0**
	Preventive Care		100% covered
	Emergency Care		20%* / $0**
	Urgent Care		$50 / $0**
	Hospitalization	Inpatient	20%* / $0**
	Hospitalization	Outpatient	20%* / $0**
	Prescription Drugs (retail)	Rx Deductible	Medical Ded
		Generic	$5 / $0**
		Preferred	$25 / $0**
		Non-Preferred	$40 / $0**
Out of Network	Annual Deductible	Individual	$12,000
	Annual Deductible	Family	$24,000
	Out-of-Pocket Maximum	Individual	$21,000
	Out-of-Pocket Maximum	Family	$42,000
	Emergency Care		20%*
Cost share after the deductible is met * Cost share goes to $0 for utilizing Garner approved providers Important Tips PPO: Access to both In-Network and Out-of-Network coverage, however by staying In-Network, you will receive a higher level of benefit. Out-of-Network providers may balance bill you for any costs of services not covered by the carrier.

Kaiser Permanente

GoFundMe a traditional HMO with Kaiser Permanente to California employees. The following chart is an overview on benefits coverage. For a full list of benefits included, please refer to the Kaiser benefit summary.

In Network			Kaiser HMO
	Annual Deductible	Individual	$0
	Annual Deductible	Family	$0
	Out-of-Pocket Maximum	Individual	$1,500
	Out-of-Pocket Maximum	Family	$3,000
	Doctor’s Visit	Primary Care	$20
	Doctor’s Visit	Specialist	$20
	Preventive Care		$0
	Emergency Care		$50
	Urgent Care		$20
	Hospitalization	Inpatient	$250 per admit
	Hospitalization	Outpatient	$20
	Prescription Drugs (retail)	Rx Deductible	None
		Generic	$10
		Preferred	$30
		Non-Preferred	$30
Out of Network	Annual Deductible	Individual	Not Covered
	Annual Deductible	Family	Not Covered
	Out-of-Pocket Maximum	Individual	Not Covered
	Out-of-Pocket Maximum	Family	Not Covered
	Emergency Care		$50