Transcription
The Episcopal Church Medical Trust2022 Retiree PlansSean LangenusUnitedHealthCareJackie QuarnbergAccount Specialist, IBAMSJohn ServaisSVP, Benefits Policy and DesignJuly 13, 2021Hosted by:Integrated Benefits AccountManagement (IBAMS)
Today’s Agenda010203040506What’s New in 2022?Episcopal Church Medical TrustRetiree Medical PlansUnitedHealthcare Plan Benefits,Programs, and FeaturesCommunication and SupportAnnual EnrollmentQuestions & Answers2
What’s New in 2022?The Episcopal Church Medical Trust (ECMT) Retiree Benefits are NowOffered as a UnitedHealthcare Group Medicare Advantage (PPO) PlanAdvantagesImproving the healthcare delivery system and participant outcomesSavings for both retirees and CPF (on monthly premiums andcost-share)Remaining with UnitedHealthcare (UHC)Adding some additional benefitsJoining the 50% of the market that has moved to Medicare Advantage Plans3
Product ComparisonMedicareSupplementGroup MedicareAdvantage (GMA)Individual MedicareAdvantageAny MedicareProvider*Any MedicareProvider*Any acceptingMedicare ProviderAny acceptingMedicare ationalNationalLocal/StateMedical GuidelinesMedicareMedicareMedicarePre-Existing Conditions (Limitation)NoneNoneNonePlan Delivery ModelFragmentedIntegratedIntegratedCare CoordinationNoneYesYesCMS Quality ities*Medicare Supplement Plan pays benefit net of what Medicare would have paid.6
02Episcopal Church Medical TrustRetiree Medical Plans
ECMT Retiree Medical Plans - EligibilityMust be enrolled in Medicare Part A and BPlans are available for* Clergy age 65 who have 5 years of Credited Service and their eligibledependents Lay employee age 65 who, at the time of separation, was an Exemptemployee or a Non-Exempt employee scheduled to work 1,000 hours fora minimum of 5 years, and either– participated in a Church Pension Fund sponsored retirement plan forat least 5 years, or– was a former Employee of a Participating Group of the Episcopal Health Planand their eligible dependents*Separate rules apply for those on The Church Pension Fund Long-Term Disability Plan or Members of Religious Orders6
ECMT Retiree Medical PlansPlan *GMAComprehensive(PPO) 196per person 0 (none) 2,000per personGMAPremium(PPO) 286per person 0 (none) 1,500per personKaiser Permanente Plans will continue to be offered in select markets*Includes cost for Medical, Rx, Vision, EAP, Health Advocate and plan administration. No longer offering plans w ithout Rx**An out-of-pocket maximum places a limit on how much money you pay out of pocket for your medical expenses in a calendar year. This does not include prescription drugcosts or plan premiums.7
ECMT Retiree Plan ProvidersUHC GMA BenefitsAdditional Benefits MedicalPrescription DrugsHearing AidsRenew ActiveGlobal Assistance*Cigna Dental is available for an additional premiumEyeMed: VisionCigna Behavioral Health: EAPHealth Advocate: AdvocacyCigna Dental: Dental*8
Clergy Pension Plan Retiree Medical SubsidyRetiree Medical SubsidyRetiree Medical SubsidyClergy eligible to retirebefore July 1, 2013Clergy NOT eligible to retirebefore July 1, 201320 YCS* Equals full cost of the GMAPremium (PPO) Plan Subsidy can only be appliedto Episcopal Church retireemedical and dental plans20 YCS Equals full cost of the GMAPremium (PPO) Plan Subsidy can only be appliedto Episcopal Church retireemedical and dental plans10 to 19 YCS Subsidy reduced 2 per YCSunder 20 years10 to 19 YCS Subsidy reduced 5% per YCSunder 20 yearsNo subsidy 5-9 YCSNo subsidy 5-9 YCSExamples of RetireeMedical Subsidy Based on2022 Rates (assuming noteligible to retire before July 1, 2013)YCSCPFSubsidySubsidyAmount20 1918100%95%90% 286.00 271.70 257.40171685%80% 243.10 228.8015141375%70%65% 214.50 200.20 185.90121160%55% 171.60 157.301050% 143.00Disclaimer: CPF currently offers a post-retirement health subsidy to eligible clergy and spouses. However, CPF is required to ma intain sufficientliquidity and assets to pay its pension and other benefit plan obligations. Given uncertain financial markets and their impac t on assets, CPF hasreserved the right, in its discretion, to modify or discontinue the post-retirement health subsidy at any time. *YCS Years of Credited Service9
2022 Subsidy Illustration (20 Years of CS)GMAComprehensive(PPO)GMAPremium(PPO)Premium – Single 196 286Subsidy – Single( 286)( 286)Remaining cost/(subsidy)( 90) 02022 Dental single rate* 90/ 74/ 61 90/ 74/ 61Retiree’s premium cost 0 90/ 74/ 61Monthly Amounts*2022 Dental rates are projected to remain at current 2021 levels.10
2022 Subsidy Illustration (10 Years of CS)*GMAComprehensive(PPO)GMAPremium(PPO)Premium – Single 196 286Subsidy – Single( 143)( 143)Remaining cost/(subsidy) 53 1432022 Dental single rate** 90/ 74/ 61 90/ 74/ 61Retiree’s premium cost 143/ 127/ 114 233/ 217/ 204Monthly Amounts*Assumes retirement eligibility date is on or after July 1, 2013.**2022 Dental rates are projected to remain at current 2021 levels.11
Additional Benefits
Cigna DentalFor help and information:(800) 244-6224cigna.com13
Cigna Dental PlansPlan Provision(What You Pay)PreventiveBasicDental &OrthodontiaDeductibleN/A 50 per person 150 per family 25 per person 75 per family 1,500 2,000 2,000Preventative Services 0 0 0Basic Services20%15%15%Major Services99%50%15%Orthodontic ServicesNot coveredNot covered50%(out-of-network only)Annual Benefit Maximum(in addition to preventive care)( 1,500 lifetime max)Monthly Premium (Single) 61 74 9014
Other BenefitsFor help and information: (866) 723-0513eyemedvisioncare.comFor help and information: (866) 395-7794mycigna.comFor help and information: (866) 695-8622healthadvocate.com15
03UnitedHealthcare Plan Benefits,Programs, and Features
2021 United HealthCare Services, Inc. All Rights Reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce w ithout express permission of UnitedHealth Group.Y0066 SPRJ54761 072920 M
How Group Medicare Advantage Plans WorkGroup Medicare Advantage plans provide the ability for employers tomaterially reduce costs while providing better benefits and improve clinicaland wellness care with little to no disruption for their retireesNear universal provider accessAccess to all willing medicalproviders nationallyStreamlined experienceSimplified benefit design with oneID card, call center and websiteBenefit designNational coverage with consistentmember cost share both in- andout-of-networkPlan administrationSingle payer plan that providescoverage for all benefits coveredby traditional MedicareImproved financials 50% initial savingsEnhanced BenefitsOverall lower cost sharing andnew services 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.18
Your Plan Overview (National PPO) Coverage for visiting doctors, clinics and hospitals This plan lets you visit doctors, specialists and hospitals in or out of our networkfor the same cost share as long as the provider participates in Medicare andaccepts the plan No referral needed to see a specialist Even though you are not required to see a network doctor, your doctor mayalready be part of our network. To find out, search our online Provider Directory atwww.UHCRetiree.com/ECMT or call UnitedHealthcare Customer Service If your doctor is in the network, he or she must accept this plan if you are a currentpatient. If your doctor is not in our network, he or she may choose not to treat youunless it is an emergency Prescription drug coverage 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.19
Your Part D (prescription drug) Plan UnitedHealthcare has thousands of national, regional, local chains andindependent neighborhood pharmacies in our network Thousands of covered brand name and generic prescription drugs Bonus drug coverage in addition to Medicare Part D drug coverage Home Delivery with OptumRx *Check your plan’s drug list online at www.UHCRetiree.com/ECMT orcall Customer Service to see if your prescription drugs are covered.*Some limitations may apply 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.20
Benefits Include Annual Physical and Wellness Visits Virtual Doctor and Behavioral Health Visits UnitedHealthcare HouseCalls Post-discharge Services: Meals and Transportation Limited and Discounted In-home Personal Care Renew and Renew Active by UnitedHealthcare 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.21
Summary of Benefits and CoverageBenefit*GMA Comprehensive (PPO)In-Network/Out-of-Network**GMA Premium Out of Pocket Maximum 2000 1500Primary Care Provider 5 5Specialist Office Visit 10 10 10 10Inpatient Hospital 0 0Inpatient Mental Health/Substance Abuse 0 0Outpatient Hospital 0 0Outpatient Surgery 0 0Plan AccumulatorsPhysician ServicesTelcom/Virtual ServicesVirtual Behavioral VisitsInpatient ServicesOutpatient Services*Subject to Medicare guidelines**Out of Network cost is the same as In-Network cost if the provider accepts the GMA plan 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.22
Summary of Benefits and Coverage cont’dBenefit*GMA Comprehensive (PPO)In-Network/Out-of-Network**GMA Premium (PPO)In-Network/Out-of-Network**Ambulance 25 25Emergency Room 100 50Urgent Care 10 10 0 0Durable Medical Equipment20%10%Prescription DrugRetail 30-day/Mail Order90-dayRetail 30-day/Mail Order90-dayTier 1 – Preferred Generic – Most generic drugs 10/ 25 5/ 12Tier 2 – Preferred Brand – Many common brand name drugs 30/ 70 25/ 60Tier 3 – Non-preferred Drug – Brand name drugs that are notPreferred Brand 50/ 120 40/ 100Tier 4 – Specialty Tier – Unique and/or very high-cost brand drugs 50/ 120 40/ 100Ambulance, Emergency Room, Urgent CareHome Health and Hospice CareHome HealthDurable Medical Equipment, Medical and Diabetic Supplies*Subject to Medicare guidelines**Out of Network cost is the same as In-Network cost if the provider accepts the GMA plan 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.23
Summary of Benefits and Coverage cont’dBenefit*GMA Comprehensive (PPO)In-Network/Out-of-Network**GMA Premium (PPO)In-Network/Out-of-Network**Annual physical 0 0Annual Wellness Visit 0 0Immunizations 0 0Prostate Cancer Screenings 0 0Medicare-covered podiatry 10 10Medicare-covered chiropractic care 10 10Medicare-covered vision services 10 10Medicare-covered hearing services 10 0Acupuncture# 10 10Chiropractic 10 10Preventive ServicesOther Services*Subject to Medicare guidelines**Out of Network cost is the same as In-Network cost if the provider accepts the GMA plan#20 Medicare visits and 12 non-Medicare visits per plan year Medicare includes initial spinal manipulation; non-Medicare includes unlimited routine visits, including extra spinal manipulation 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.24
UnitedHealthcare Hearing3-year allowanceEnabling sustainable benefits at affordable pricingwith optimal network access and member choice.GMAComprehensive(PPO)GMAPremium(PPO) 3000 4000NetworkAffordabilityProviding the largest accredited network and omni-channelcoverage:Exclusive prices ranging from 699to 2,499, depending on the model 7,000 nationwide locations; 99% network adequacy Added convenience of nationwide home delivery accessSaving members up to 80%compared to traditionalindustry pricingSelectionHundreds of name brand andprivate-labeled hearing aids from the leadingmanufacturers, including Phonak, Starkey , Oticon, Signia,Resound, Widex and Unitron Clinical Hearing professionals on call Hearing aid mobile apps Online how-to videos, tutorials,and video chatSelect from latest generation products like PhonakAudéo Marvel, a 2019 CES/Consumer ElectronicsShow Honoree 2021 United HealthCare Services, Inc. All Rights Reserved.Expanding care delivery throughinnovative partnerships: 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.25
UnitedHealthcare Global AssistanceMedical Evacuation andRepatriation Services Emergency medicalevacuationWorldwide DestinationIntelligence Travel and health informationTravel Assistance ServicesMedical Assistance ServicesTo learn more, sign into yourplan website, go towww.members.uhcglobal.com Translation services Emergency travelarrangements Transfer of funds Replacement of lost or stolentravel documents Legal referrals Message transmittals Worldwide medical anddental referrals Monitoring of treatment Relay of insurance andmedical information Medication and vaccinetransfers Updates to family, employer& home physician Hotel arrangementsNo cap on urgent & emergent coverage. Non-emergent coverage capped at 25,000 per claim.No lifetime maximum 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.26
04Communication and Support
Key MilestonesActivityTarget DateGeneral GMA overviewcommunications and trainingNow through SeptemberAnnouncement letter to RetireesAugust 4, 2021UHC website and call centeravailableAugust 4, 2021Virtual meetingsAugust through October 2021Annual enrollment materials mailed Subsidy, rates, and instructions Detailed GMA plan informationWeek of September 27, 2021Annual EnrollmentOctober 15 – November 12, 2021ID card and Quick Start PackageMid DecemberGo Live DateJanuary 1, 2022UHC New Member check in callsStart in January28
UHC Advocate and On-line SupportDedicated toll-free number with custom greeting1-866-519-54018 a.m.–8 p.m. local time, Monday–Friday(expanded to 7 days a week during transition)ProviderDirect connection with UHC advisor Provider Questions Network AccessWebsite goes live August 4 thwww.UHCRetiree.com/ECMTEducation Plan BenefitQuestions andComparison 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.29
What To Expect After You EnrollYou will receive your new UnitedHealthcare member ID card alongwith Quick Start Guide that gives you more information on how yourbenefits work and how to get the most out of your plan. You can startusing your member ID card as soon as your plan is effective.After you receive your member ID card, you can register online atwww.UHCRetiree.com/ECMT to get access to your plan information.Soon after your effective date, we will contact you to complete a shorthealth survey so we can understand your unique health needs. 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.30
How To Use Your New Plan after 1/1/2022It’s easy! Beginning January 1, 2022 simply use your UnitedHealthcare member ID card(s)each time you go to the doctor or hospital or get a prescription filled at the pharmacy The back of your member ID card lists important phone numbers you may needthroughout the year Don’t discard your red, white and blue Medicare cardStore this card in a safe place 2021 United HealthCare Services, Inc. All Rights Reserved.Use this card 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.31
www.UHCRetiree.com/ECMTAfter you get your UnitedHealthcare Member IDcard, sign up for your secure online personalaccount at www.UHCRetiree.com/ECMT.After you sign up, you can:Follow these easy steps to sign upfor your online account: Look up your latest claim information Review benefit information and plan materials Print a temporary UnitedHealthcare Member ID card andrequest a new one Search for drugs and see how much they cost under your plan 1Visit the website and click on the“New user? Register Now” buttonand then click “Register Now”.2Enter your information (first andlast name, date of birth, ZIP code,UnitedHealthcare Member IDnumber) and click “Continue”.Search for network doctors3Explore Renew by UnitedHealthcare, our member-onlyHealth & Wellness experienceCreate your username andpassword, enter your emailaddress, and click “Create my ID”.4For security purposes, you willneed to verify your account byemail, call or text.Get your Explanation of Benefits online 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.32
05Annual Enrollment
Annual EnrollmentAnnualEnrollmentinformationsent by mail inlate SeptemberAnnualEnrollment isfrom Oct.15 toNov.12, 2021Visit:annualenrollment.cpg.org to reviewoptions, select aplan, and considerselecting dentalcoverageNeed help enrolling?Contact the MedicalTrust at(800) 480-9967,Monday to Friday,8:30AM to 8:00PM ETIf you take noaction byNov.12, you willbe automaticallyenrolled in theGMA Premium(PPO) plan andthe same dentalplan, if currentlyenrolled in one34
Questions & Answers35
Thank you!For your participation and feedback.
Important DisclosuresThis material is provided for informational purposes only and should not be viewed as investment, tax, or other advice.It does not constitute a contract or an offer for any products or services. In the event of a conflict between this materialand the official plan documents or insurance policies, any official plan documents or insurance policies will govern. TheChurch Pension Fund (“CPF”) and its affiliates (collectively, “CPG”) retain the right to amend, terminate, or modify theterms of any benefit plan and/or insurance policy described in this material at any time, for any reason, and, unlessotherwise required by applicable law, without notice.CPF currently offers a post-retirement health subsidy to eligible clergy and spouses. However, CPF is required tomaintain sufficient liquidity and assets to pay its pension and other benefit plan obligations. Given uncertain financialmarkets and their impact on assets, CPF has reserved the right, at its discretion, to modify or discontinue the post retirement health subsidy at any time.Neither The Church Pension Fund nor any of its affiliates (collectively, “CPG”) is responsible for the content,performance, or security of any website referenced herein that is outside the cpg.org domain or that is not otherwiseassociated with a CPG entity.37
Appendix
Annual Physical and Wellness VisitSchedule your annual physical and wellness visit —both are covered by your health plan for a 0 copay* Save time by combining your wellness visit and physical into a singleoffice visit Schedule your appointment early in the year toget any other preventive care you may need Make sure you follow through with your provider’s recommendations forscreenings, exams and other careTake chargeof your healthYou can get your annual wellness visit any time during the calendaryear no matter when you had your last visit the previous year.*A copay or coinsurance may apply if you receive additional services that are not part of the annual physical. 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.39
Virtual VisitsWith Virtual Visits, you’re able to live video chat with a doctor orbehavioral health specialist from your computer, tablet or smartphoneanytime, day or night.Virtual Doctor VisitsVirtual Behavioral Health VisitsYou can ask questions, get a diagnosis, oreven get medication prescribed and have itsent to your pharmacy. All you need is astrong internet connection. Virtual DoctorVisits are good for minor health concernslike:Virtual Behavioral Health Visits maybe best for: Allergies, bronchitis, cold/coughFever, seasonal flu, sore throatMigraines/headaches, sinus problems,stomachaches Initial evaluationMedication managementAddictionDepressionTrauma and lossStress or anxietyYou can find a list of participating Virtual Visit providers by logging into your member website. 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.40
UnitedHealthcare HouseCallsYearly check-ups at home to help stay up-to-date on your healthbetween regular doctor's visits at no extra cost.What to expect from a HouseCalls visit: A knowledgeable health care practitioner will perform ahead-to-toe exam, health screenings, review your healthhistory and current medications, help identify health risks and provide healtheducation You can talk about health concerns and ask questions that you haven’t had time toask before You'll get a personalized checklist of topics to discuss at your next doctor's visit HouseCalls will send a summary of your visit to you and your primary care providerEnjoy apreventivecare visit inthe privacyof yourown home**HouseCalls may not be available in all areas. 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.41
Post-discharge Transportation12Who is eligible? All members immediately following all inpatient or skilled nursing facilitydischarge when referred by a UnitedHealthcare advocate3Who is administering the program? The post-discharge transportation benefit is through our nationaltransportation provider ModivCareWhat does the benefit include? Unlimited rides up to 30 days following all hospital or skilled nursing facilitydischarges Members are eligible for the benefit following all discharges throughout theplan year when referred by an advocate 2021 United HealthCare Services, Inc. All Rights Reserved.42
Post-discharge Meal Delivery12Who is eligible? All members following an inpatient or skilled nursing facility discharge whenreferred by a UnitedHealthcare advocate3Who is administering the program? Moms Meals: providing fresh-made home-delivered meals nationallyWhat does the benefit include? 3 meals per day for four-weeks, 84 meals in total per eligible retiree. Mealsare ordered in succession and cannot be used throughout the year Meals must be ordered in shipments of 14 meals or greater 2021 United HealthCare Services, Inc. All Rights Reserved.43
In-home Personal CareThe In-home non-medical care benefit supports members who need help with Activities of Daily Living (ADLs) andInstrumental Activities of Daily Living (IADLs); providing members with routine, periodic visits to help with functionallimitations and respite care for families and caregivers.12Who is eligible? All plan members are eligible for the benefit at no additional cost No medical requirements3Who is administering the program? CareLinx is our national vendor providing a network of over 300,000background-checked professional caregiversWhat does the benefit include? All members are eligible for eight of hours per month of non-skilled careprovided by a CareLinx professional caregiver. Caregivers must bescheduled in at least 2-hour increments, unused hours do not roll over 2021 United HealthCare Services, Inc. All Rights Reserved.44
Renew Active by UnitedHealthcareIntroducing Renew Active . The gold standard in Medicareprograms for body and mind. Stay active with a free gym membership Access to our extensive, nationwide network of gyms and fitness locations. It's one ofthe largest of all Medicare fitness programs* Personalized fitness plan to help you get started Online brain health program from AARP Staying Sharp, including exclusive contentfor Renew Active membersTo learn more,sign into yourplan website,go to Health &Wellness andlook forRenew Active Connect with other health-minded members at local health and wellness events, andthrough the Fitbit Community for Renew Active members. No Fitbit device is needed If you prefer to work out from home, you can access Fitbit Premium TM with thousandsof workout videos*Based on gym and fitness location network size. 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.45
Renew by UnitedHealthcareIntroducing Renew by UnitedHealthcare is a health and wellness experience that helps empower youto take charge of your well-being every day. It provides a wide variety of useful resources andactivities, including brain games, healthy recipes, learning courses, fitness activities and more. Plus,you may be eligible to earn rewards by completing certain health care activities such as your annualphysical or wellness visit.Renew MagazineOnlineRecipe libraryHealth news, articlesand videosRenew Active Streaming musicHealth topic libraryRenew RewardsLearning coursesPhoto galleryBrain gamesInteractive quizzesand tools*Renew by UnitedHealthcare is not available in all plans. Resources may vary 2021 United HealthCare Services, Inc. All Rights Reserved. 2021 United HealthCare Services, Inc. All rights reserved. Propriety information of UnitedHealth Group.Do not distribute or reproduce without express permission of UnitedHealth Group.46
Kaiser Permanente Plans will continue to be offered in select markets Plan (UHC) Monthly Premium* Deductible Out-of-Pocket Maximum** GMA Comprehensive (PPO) . *Subject to Medicare guidelines **Out of Network cost is the same as In-Network cost if the provider accepts the GMA plan. Summary of Benefits and Coverage cont'd 23 Benefit* GMA .
