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Hello
Welcome to your health plan
Narrator:
Hello. Welcome to United Health care — and this video that’s made just for you.
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How a health
plan works
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Health plans are designed to help take good care of you. Knowing how
they work can help you get the most out of your benefits. Let’s get into it.
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Most common health plans have a premium, or plan costs, which is a routine payment
typically taken out of your paycheck. This helps keep your plan active, so you can stay covered.
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At the start of your plan year, you pay 100% of your covered health services until you meet
your deductible, which is the dollar amount set by your health plan before it starts to pay costs.
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Once you reach your deductible, "co-insurance" begins. That’s the percentage of costs your health plan shares with
you. For example, you may pay 20% of a covered medical expense, and your plan will pay the remaining "eighty" percent.
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Along the way, you may pay a fixed amount, also known as a copay,
for certain covered health services, like a doctor’s appointment.
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Your plan offers you further protection with an out-of-pocket limit, which is the most you could pay for
covered services in a plan year. Co-insurance, copays and deductibles count toward your out-of-pocket
limit — but premiums don’t. Once you’ve met the out-of-pocket limit, your plan’s got you covered at 100%.
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Now that you know how health plans work, you can get more out of your benefits.
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Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.
Administrative services provided by United HealthCare Services, Inc. or their affiliates.
© 2023 United HealthCare Services, Inc. All Rights Reserved. EI232689504.0
