MEDICAL BENEFITS

Below is a summary of primary medical benefits. This list is not meant to be comprehensive and serves only as a snapshot for common medical services.

MEDICAL BENEFITS

UMR & OptumRx administer our Medical and Pharmacy benefits utilizing UHC's Choice Plus network. If you are uncertain if a physician or medical facility is within the network, visit www.AssetLivingBenefits.com or call a Care Coordinator at 1 (833) 740-3261. For more information on Care Coordination, click here.

SAVE MONEY BY USING IN-NETWORK PROVIDERS: When you receive care from an in-network provider, you will experience significant savings. This is because in-network providers have agreed to negotiated discounts for our employees. Should you choose to receive from an out-of-network provider, you may have to file a claim to receive reimbursement for covered expenses and your out-of-pocket costs will be much higher.

We offer three medical plans to choose from. Compare major differences of each plan in the chart below:

BASE $5,500 COPAY PLAN
HDHP $3,200 HSA PLAN
BUY-UP $1,500 PLAN
Office Visit Copays
Employer HSA Match
Office Visit Copays
Lowest Premiums
No Copays (Deductible/Coinsurance)
Highest Premiums
Highest Deductible
Mid-Range Premiums
Smallest Deductible
Highest Coinsurance
Rx Benefits Subject to Deductible
Pharmacy Copays
IN-NETWORK BENEFIT
BASE $5,500 COPAY PLAN
HDHP $3,200 HSA PLAN
BUY-UP $1,500 PLAN

Calendar Year Deductible

  • Individual
  • Family
$5,500
$11,000

$3,200

$6,400

$1,500

$4,500

Out-of-Pocket Maximum

  • Individual
  • Family
$6,000 $12,000
$4,500 $9,000
$4,000
$12,000

Asset Living HSA Match

N/A
$500 Individual
$1,000 Family
N/A

Coinsurance

30% Coinsurance
10% Coinsurance
10% Coinsurance
Primary Office Visit
$35 copay
10% Coinsurance*
$15 Copay
Specialty Office Visit
$70 copay
10% Coinsurance*
$35 Copay
In-Patient Hospitalization
30% Coinsurance
10% Coinsurance*
10% Coinsurance*
Urgent Care
$60 copay
10% Coinsurance*
$75 Copay*
Emergency Room
$150 copay + deductible then 30%
10% Coinsurance*
$150 copay

PRESCRIPTION DRUGS

Retail: 30 day supply

Generic/Brand/Non-Preferred Brand
$10/$35/$60
0% Coinsurance after deductible is met
$10/$35/$60

Mail Order: 90 day supply

Generic/Brand/Non-Preferred Brand
$20/$70/$120
0% Coinsurance after deductible is met
$20/$70/$120

*Coinsurance is the amount you pay for covered services after your deductible has been met.

Continue to Care Coordination