Plan Administrator: United Health Care (UHC)
UHC Network: Choice Care Plus
- CoPay Plan, or
- High Deductible Plan (HDP) with HSA
Your health and the health of your family are important and we recognize that families have different needs and priorities, that’s why Clermont County offers two excellent medical plans to choose from, both designed to help your budget while allowing you and your covered dependents to obtain the care you need, when and where you need it.
- CO-PAY Plan: This is a ‘traditional’ copay plan which has set fees for in-network office visits, prescription drugs, etc., and allows you to decide where you’ll go for treatment. Staying in-network will give you the best value for your money. You can choose to pair this plan with a Full HealthCare FSA (see info on FSA’s on page), which will allow you to set aside a portion of your paycheck, pre-tax, to cover the cost of your out-of-pocket medical, dental and vision expenses.
- HDP with Health Savings Account (High Deductible Plan): The HDP is a plan that can easily be budgeted for, provided you use premium providers (Tier 1) for specialist visits the most you would have to pay out of pocket in a single year is $3,000 for one member, and $6,000 for the entire family. The maximum out of pocket increases by $1,000 if the member uses any specialist not designated as a “Tier 1” after the initial deductible has been met. Its best feature is that it can be paired with a Health Savings Account (HSA) and a Limited FSA (Limited FSA’s can be used only for dental and vision out of pocket expenses).
Comparing the SBC’s and Plan Summaries for each plan can help you understand the differences between the two plans. Document links provided in table on the right of this page.