On-screen text reads:
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Welcome to your health plan
Hello. Welcome to United Health care — and this video that’s made just for you.
How a health
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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.
Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.
Administrative services provided by United HealthCare Services, Inc. or their affiliates.
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