Get to know your bene“ts. - MCR LLC · 2018. 11. 9. · Get help losing weight and keeping it o . Whether you want to lose a lot of weight or just a few extra pounds, Real Appeal

Get to know your benefits.

MCR, LLCMCR, LLC 2019 Benefits Guidewelcometouhc.com

By understanding your benefits, you can select the coverage that best fits your needs. In this guide, you'll find information about your options and programs to help make your choices easier.

UnitedHealthcare is committed to providing you a smooth and simpler enrollment experience with the support you need.

Knowing your benefits helps you make more informed choices.

Want more information? welcometouhc.com

• Search for network providers.

• Learn about your benefits and more.

Toll-free 1-866-873-3903, TTY 711Habla Español? Podemos ayudar.

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Table of Contents

BENEFITS PAGE #

Health Plan Details 5Choice Plus HRA - BAGL 6Vision 8Prescription 10

HEALTH & WELLNESS RESOURCESGo Digital 11Rally 12Access to Support 13Real Appeal 14Wellness 15We're Here to Help 16

ENROLLMENTWhat's Next? 17

Benefits Health & Wellness Resources Enrollment

Helpful Highlights

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Manage your planonline and on the go.Your member website: myuhc.com

UnitedHealthcare Health4Me® Mobile ApplicationDownload Health4Me to your smartphone and you’ll get quicker access to your health plan details. It also lets you: • Search for a network doctor, clinic or hospital.

• Find options for quick care, such as a nearby clinic, Urgent Care or ER.

• Locate and share digital health plan ID cards.

• Compare costs and see provider reviews.

• View claims and account balances.

• Find pharmacies and fi ll prescriptions.

Rally®

Get support to help you meet your health goals.The Rally program is an interactive, personalized health and wellness experience available when you become a health plan member. It includes a website and app found on myuhc.com® that gives you support and tools to help you achieve personal health goals. You’ll start with a short survey, which gives you your Rally Age® — a measure of your overall health. Then it puts you in charge with a personalized digital experience that includes Missions, Challenges and Communities. You’ll receive real-time feedback and ongoing encouragement to help you live a healthier life.

Real Appeal®Get help losing weight and keeping it off . Whether you want to lose a lot of weight or just a few extra pounds, Real Appeal is designed to help with simple steps and support along the way for lasting weight loss. As a benefi t of your health plan, it includes:

• A personalized transformation coach will guide you and customize steps to fit your needs,personal preferences, medical history and goals.

• 24/7 online support and a mobile app to help you stay on track and help you reach your goals.

• A success kit featuring a personal blender, digital food scale and more.

myuhc.com®


Helpful terms to knowwhen choosing a plan. CoinsuranceYour share of the costs of a covered health careservice, calculated as a percent.

Copayment or CopayA fixed amount of money you’ll pay for a covereddoctor visit or prescription.

Covered ServicesThe portion of a medical and vision expense that theplan has agreed to pay for or reimburse. Theyinclude:• Doctor's office visits• Prescription drugs (Pharmacy)• Emergency Services• Hearing aids• Hospital care• Lab services• Pregnancy care services• Outpatient care services• Rehabilitative services and devices• Wellness services• Mental health and substance use disorder services

DeductibleThe amount you’ll need to pay before your plan willstart to pay for covered services.

Health Reimbursement Account (HRA)An account funded by MCR, LLC to help you pay forcovered health care services. Your HRA willautomatically pay for covered services first and youwon’t pay as long as you have money in the account.

NetworkA group of health care providers and facilities thathave a contract with UnitedHealthcare. Using thenetwork may help lower your costs because theseproviders and facilities have agreed to provideservices at a discount. If you use out-of-networkproviders, your costs may be higher.

Out-of-pocket LimitThe most you could pay during a coverage period(usually one year) for your share of the costs ofcovered services. After you meet this limit, the planwill usually pay 100 percent of the allowed amount.The out-of-pocket limit includes all of your networkpayments.

PrescriptionsMedications and drugs prescribed by your doctor.You may save money by choosing prescriptions fromthe lower tiers and signing up for home delivery. Talkto your pharmacist or doctor to learn ways that mayhelp you save.

Preventive CareRoutine health care, including screenings, checkupsand patient counseling to prevent or discover illness,disease or other health problems.

FIND INSURANCE TERMS CONFUSING?

Visit justplainclear.com.

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Choice Plus HRA - BAGL

EMPLOYER HRA CONTRIBUTIONEE $650EE+1 $1,300EE+Child $1,300Family $1,300

WHAT YOU PAYIN THE NETWORK OUT OF THE NETWORK

DEDUCTIBLEEE $2,000 $4,000EE+1 $4,000 $8,000EE+Child $4,000 $8,000Family $4,000 $8,000

COVERED SERVICESDoctors and SpecialistsDoctor Visit (Illness or Injury) 10%* 30%*Virtual Visit (online) 10%* 30%*Specialist Visit 10%* 30%*Non-preventive Tests 10%* 30%*Preventive CareScreenings & Counseling You pay nothing 30%*Immunizations You pay nothing 30%*Well-Child & Well-Woman Visits You pay nothing 30%*Labs & Imaging Test You pay nothing 30%*Emergency CareUrgent Care Visit 10%* 30%*Emergency Room 10%* 10%**Emergency Transportation 10%* 10%**Other CareMental Health Visit (outpatient) 10%* 30%*Mental Health Visit (inpatient) 10%* 30%*Outpatient Surgery 10%* 30%*Hospital Stay Facility Fee 10%* 30%*

OUT-OF-POCKET LIMITEE $6,350 $6,350EE+1 $12,700 $12,700EE+Child $12,700 $12,700Family $12,700 $12,700

PRESCRIPTIONSRetail (up to 31-day supply)Tier 1 $10^ $10^Tier 2 $35^ $35^Tier 3 $60^ $60^Home Delivery (90-day supply)Tier 1 $25^ Not CoveredTier 2 $87.50^ Not CoveredTier 3 $150^ Not CoveredThis information does not replace your official health plan documents. Please see your official health plan documents for all coverage details, which includeslimitations and exclusions.Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.*After Deductible Met**After In-Network Deductible met^Goes toward Out-of-Pocket limit


Enjoy the benefits of an HRA.An HRA is an account funded by MCR, LLC to help you pay for coveredhealth care services. Funds for your medical claims are automatically paidby your HRA for covered services first and you won’t pay as long as youhave money in your HRA.

An HRA saves you money.When you have money in your HRA, you’ll pay less out of your pocket forcovered services. This is how much MCR, LLC is contributing to the HRA.

EE $650 EE+Child $1,300

EE+1 $1,300 Family $1,300

Choice Plus HRA - BAGLwith a Health Reimbursement Account (HRA)

Use our national network to help save money.

Preventive care is covered 100 percent in our network.1

Save money by staying in our network.A network is a group of health care providers and facilities that have a contract with UnitedHealthcare. You can receive care and services from anyone in our network. If you don’t use the network, you’ll have to pay for all of the costs.

There’s no need to select a primary care physician (PCP) or get referrals tosee a specialist. Consider choosing a PCP. Your PCP can be your partner in managing your care. They can help you avoid duplicating tests and services and connect you to a specialist.

Look for care in ournetwork first.The doctors and facilities in ournational network have agreed toprovide you services at a discount. Wehave:

• 930,000++ physicians andhealth care professionals.*

• 5,600++ hospitals.*

• 67,000+ pharmacies.*

Search the network atwelcometouhc.com

*As of 3/31/2018

For all of the COVERAGE DETAILS, see your official health plan documents.

1Age appropriate preventive care services are covered 100 percent when received in the plan network.You may be required to receive approval for some services before they can be covered.

DETAILED BENEFITS on Page 5.

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1Age appropriate preventive care services are covered 100 percent when received in the plan network.You may be required to receive approval for some services before they can be covered.

Your deductibleYour HRA automatically pays network providers directly for covered services fi rst. If you spend all of your HRA, you’ll have to pay until you reach your deductible.

Your coinsuranceAfter you reach the deductible, you share the costs with the plan. If you have money in your HRA, it will automatically pay for your share.

Your out-of-pocket limitWhen you reach the limit, you are done paying. The plan pays 100 percent of covered services for the rest of the plan year.

++

STEP1

STEP2

STEP3

You are done payingYour HRA pays fi rst

You pay

How paying for network care works with an HRA.

Preventive care is covered 100 percent when you use a provider in the plan's network.1

Your planpays 90%

Visit welcometouhc.com to learn more.

Paying for prescriptions.You will pay a copayment for prescriptions. Check your official health plandocuments to see if your plan allows you to use your HRA to pay forprescriptions.

You pay10%

Use an HRA to helpsave and pay.

Ways to pay with your HRA:• Automatic payments. If a service is covered by the plan, the bill (claim) will automatically be reimbursed from your HRA.

• Use the Health Care Spending Mastercard®.

• Submit claims on myuhc.com to get reimbursed.

Eligible expenses:• Doctor office visits

• Prescriptions

• Non-preventive tests (lab work,X-rays, etc.)

DETAILED BENEFITS on Page 5.

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Your copayment


Vision benefits that are easier to see.Eye health is important to you and your family’s overall health. Save on eye care by purchasing a Vision Plan. Planincludes:

Eye examYour plan includes a comprehensive eye exam.

Frame allowanceWhen you use a network provider, you have an allowance you can use to help buy any frames your eye doctor offers.

Contact lens benefitYou get contact lenses, a fitting and up to 2 follow-up visits. Choose from popular brands, including some that maybe fully covered.

Popular lens optionsPopular lens options may be available to you at price-protected amounts. Plus, standard scratch coating andpolycarbonate lenses for dependent children are available at no additional cost.

Additional pairs of glassesGet a discount of up to 20 percent on additional pairs of eyeglasses, including prescription sunglasses.

Paying for exams and eyewear.

1The material copayment will apply once if frames and lenses, or contact lenses in lieu of eyewear, are purchased at the same time at a network provider.Plans may vary. Please see your official plan documents.

Voluntary

Vision Plan

Vision Plan

OUT-OF-NETWORKBenefits IN NETWORK REIMBURSEMENTS

Copays the amount you’ll pay: Exam once every 12 months

Eye Exam $10 $40

Materials $10 N/A

Frames once every 12 monthsAllowances money to help you pay for: Contact Lenses 4 boxes every 12 months

Eyeglass frames $130 $45

Contact lenses $10 $105

Lens Options Spectacle Lenses once every 12 months

Covered in full afterSingle vision applicable copay1 pay up to $40

Covered in full afterBifocals applicable copay1 pay up to $60

Covered in full afterTrifocals applicable copay1 pay up to $80

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LEARN MORE at welcometouhc.com.For all of the COVERAGE DETAILS, see your official vision plan documents. This information does not replace your official healthplan documents. Please see your official health plan documents for all coverage details, which includes limitations andexclusions. See back page for all legal statements.


Learn more about your vision coverage.

Find an eye doctor.The plan uses Spectera Eyecare Networks, a national network of eye doctors, which includes optometrists and ophthalmologists. Participating locations consist of both private practice and retail settings, including:

Save at network providers.Without a vision plan, this is what you could pay on average.1

WITHOUT A PLAN

Service

Routine Eye Exam $60

Glasses Copay (frames and lenses) $0

Frames ($130 retail price at retail provider) $130

Standard Progressive Lenses $219

Standard Anti-Refl ective Coating $70

Standard Scratch-Resistant Coating $27

Total Due to Provider $506

1This information is a generalized savings illustration based on internal UnitedHealthcare data (Jan. 2017 – Mar 2017). The charges for services and materialswithout a plan may vary by provider.2Source: myuhcvision.com.3hi HealthInnovations® is an affiliate of UnitedHealthcare Insurance Company.4Not all providers participate in all plans. Check with your provider before using your benefits.

SEARCH for an eye doctor orclinic at welcometouhc.com.

LEARN MORE at welcometouhc.com.For all of the COVERAGE DETAILS, see your official vision plan documents.

4See more savings with these discounts.Laser vision correction Save up to 15 percent2 through the Laser Vision Network of America’s nationwide network.

Contact lenses We provide a fast, easy way to order contact lenses online, while off ering a variety of lens options. One of the ways we do that is by providing you a 10 percent discount on your order.

Hearing aids3

You can buy quality, digital hearing aids at discounted prices through hi HealthInnovations®.

Now you can use your benefi ts at Warby Parker.Warby Parker off ers a range of colors, styles and materials with a 1-year, no-scratch guarantee; and for every pair purchased, a pair is distributed to someone in need. Visit warbyparker.com for more information.

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Pharmacy Benefit Your covered medications.OptumRx® is your UnitedHealthcare® plan’s pharmacy care services manager. OptumRx is committed to helping provide you with safer, easier and lower cost ways to get the medication you need.

The UnitedHealthcare Prescription Drug List (PDL) is the list of medications that are covered by the plan. The PDL is organized by cost levels, known as tiers. Choosing medications in the lower tiers may save you money.

Manage your pharmacy benefits on the go.With myuhc.com and the UnitedHealthcare app1 you can:

• Estimate and compare medication costs.

• Search your plan’s PDL.

Find out if your medication is covered by visitingwelcometouhc.com.

Fill your prescriptions two ways.1. Choose from thousands of network

retail pharmacies.

2. Take advantage of the convenienceof OptumRx home delivery.

Save on your medications.• Use home delivery. Up to a three-month supply of your medications will

ship free to your home, often at a lower cost than retail. You also get 24/7phone support, medication refill reminders and more. And it saves youtrips to the pharmacy.

• Use network pharmacies. Use network pharmacies and you will generallypay less out-of-pocket. Our network includes thousands of pharmaciesacross the country.

• Use lower tier medications, such as generics. Ask your doctor or checkyour PDL for lower-cost options. If you have a medication that is placedin a higher tier (Tier 3, for example), check to see if a lower-tier option isavailable.

1The UnitedHealthcare app can also help determine how a medication is covered and whether or not there are other options to help save you money.

Tier 1Lower-cost

MedicationsHigher-costMedications

Midrange-costMedications

Tier 2 Tier 3

• Enroll in home delivery.

• Find network pharmacies.

• Refill prescriptions and set up refill reminders.

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Get the most out of your benefits when you go digital.

Your path to better health.Sign up for Rally®, an online health and wellness experience. Take a quick Health Survey and get personalized recommendations to help you achieve your health and wellness goals.

On the go? Download the free UnitedHealthcare app and take your plan with you.

Android available at Google PlayTM.Download at the App Store®.

• Find network providers and provider locations.

• Manage your claims, track expenses and pay your medical bills.

• View benefit cost details.

• Find and compare covered medications.

• Refill, renew and transfer home delivery prescriptions.

Estimate health care costs.You have easy-to-use tools so you can seewhat a treatment or procedure typicallycosts, estimate costs of prescriptions andsee what your share of expenses may be.

Manage your medications and get refi ll reminders.You can view your medications, fi nd lower cost options and sign up for text reminders so you don’t forget to take or refi ll your medication.

Find quality doctors.We make it easy to fi nd doctors and other health care providers who are recognized for meeting national quality or cost-effi ciency care in the UnitedHealth Premium® program. Look for the blue hearts.

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Getting healthier just got fun.Your path to better health.Rally® is a digital experience on myuhc.com that is designed to make it easier for you to improve and maintain your health. Based on your responses to a Health Survey, you’ll get your Rally Age®, a simple measure to help assess your overall health.

Get personalized recommendations.Set your goals and we’ll provide a list of recommended activities to help you reach them.

Earn Rally coins for taking healthy actions.As you complete certain activities, you’ll earn coins that can be used for a chance to win prizes, support charities or bid in auctions.

Connect with a Community.Compete with others in an online Challenge using a tracking device to count your steps on virtual courses, or join a Community with similar interests.

Track your progress to help stay motivated.Once you sync your tracking device, you will be able to join a Mission or complete Challenges and easily track your progress.

myuhc.com makes managing your health plan easier. Sign up when you become a member.

myuhc.com®

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Get access to supportand care at any time.Need help? We’re on it.We know that managing your health plan benefits and your health isn’t always easy. That’s why we have a team of people dedicated to helping you. From understanding your claims to estimating costs ahead of time, we’re here to help.

You may want to know:• Is this treatment covered?

• How much will I have to pay for a test my doctor wantsme to get?

• What does this charge mean on my bill? And why isit this amount?

• Can you help explain my benefits and what I need to do?

• If I need to find a new doctor, can you help me?

• Bladder infection/Urinary tract infection

• Bronchitis

• Cold

• Flu

• Fever

• Pinkeye

• Rash

• Sinus problems

• Sore throat

• Stomach ache

1 Data rates may apply.2 Prescription services may not be available in all states.

Get care online with Virtual Visits.A Virtual Visit lets you see and talk to a doctor from your mobile device1 or computer without an appointment. The doctor can provide a diagnosis and, if appropriate, send a prescription2 to your local pharmacy, all in 30 minutes or less. It’s all part of your health benefits.

It’s easy to get started.To get started with a Virtual Visit, go to uhc.com/virtualvisits and choose from provider sites where you can register for a Virtual Visit. After registering and requesting a visit, you will pay your portion of the service costs according to your medical plan, and then you will enter a virtual waiting room. During your visit you will be able to talk to a doctor about your health concerns, symptoms and treatment options.

Conditions commonly treated through a Virtual Visit.Doctors can diagnose and treat a wide range of non-emergency medical conditions, including:

Contact us for help with a personal touch.Call the number listed on your health plan ID card.

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Lose weight and get help keeping it off.Get started with Real Appeal®.Losing weight can be difficult, especially when you try to do it alone.

That’s why we’re excited to offer Real Appeal, a program led by experts who have proven experience developing simple weight loss plans that actually work and have long-term results.

Depending on your needs, a transformation coach will help you develop a plan specific to your health goals, fitness level and lifestyle. Members also receive a Success Kit that includes program and workout guides, a recipe book, weight scale and cooking tools. All of this is no additional cost to Real Appeal participants!

The Real Appeal program includes:

Expert one-on-one coaching.• Plus, weekly group coaching and live

online discussions.

Personalized support.• Nutrition guides, meal plans, video

workouts and fitness guides.

Engaging entertainment.• All-Star Show featuring healthy tips from

celebrities, athletes and health experts.

24/7 online support, tools and a mobile app.• Resources and tools to help you track your diet and exercise.

GET STARTED. To learn more, visit realappeal.com.

What makes Real Appeal different?

• No additional cost to members.1

• Easily accessible onlineweight loss program.

• Focus on small changes thatmay lead to lasting results.

• Based on weight lossresearch studies.

With Real Appeal, you will be supported through every stage of your weight loss journey. Real Appeal can work for most anyone, no matter how much weight you want to lose or what kind of shape you are in.

1The Real Appeal program is provided at no additional cost to you as part of your benefit plan.14


Support to help you reach your wellness goals and earn rewards.

Personalized health recommendations, just for you.

Rally™ can help you get healthier, one small step at a time.Rally is designed to help you make changes to your daily routine, set smart goals and track your progress. You’ll get personalized recommendations to help you move more, eat better and improve your health—and have fun doing it.

Get your Rally Age®.Take the Health Survey and instantly get your Rally Age — measure of your “health age” — to help assess your overall health.

Then pick Missions to help you get your health on track. You can store your health history, connect with online Communities and compete in fun Challenges. Earn coins as you track and complete each Mission, then use them for a chance to win great prizes.

Stay on top of your preventive care.Preventive care helps you and your doctor find health issues at an early stage to help prevent serious problems. Please see your plan documents for more details about preventive care coverage.

Get Your Rally Age

Build Health Habits

Win Cool Stuff

LEARN MORE about wellness support at welcometouhc.com.

Save 10% – 50% with our UnitedHealth Allies® health discount program:• Fitness memberships.• Weight management programs.• Fitness gear.• Nutrition and natural products.• And more.

Powered by:

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We’re here to help.

Do you need a transplant?If you need a transplant, the Transplant Resource Services program can connect you to transplant Centers of Excellence. Our experienced nurses will work with you and your doctors throughout your care.

Whether it’s finding care or managing a complex health condition, you’ll get help whenever you need it. Here aresome of the programs and services that are available as part of your health plan with no additional cost to you.

Get access to the nation’s leading health care facilities.Our Centers of Excellence network provides access to leading health care facilities, physicians and services to support safe, specialized and cost-eff ective care.

Call to talk to a maternity nurse.The Maternity Support Program off ers comprehensive maternity services before, during and after pregnancy. Get support through one-on-one access to an experienced maternity nurse, medical director and social worker throughout your pregnancy, regardless of risk level, to provide assistance, guidance, answers and education.

See a doctor anywhere, anytime. When you don’t feel well or your child is sick, the last thing you want to do is leave the comfort of home to sit in a waiting room. Now, you don’t have to. A Virtual Visit lets you see and talk to a doctor from your mobile device or home computer. There is a cost for Virtual Visits. See your health plan documents for coverage details.

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What comes next?Choose a plan.

Once coverage begins.

WATCH THE MAIL for your welcome kit and ID card.

START USING YOUR PLAN once your coverage starts.

GET STARTED ONLINE at myuhc.com and download the UnitedHealthcare app to help manage your health and benefits.

1. Go to myuhc.com.

2. Click on Register Now.

Before coverage starts.While we’re setting up your insurance:

Use your plan.Here are some great ways to use your plan throughout the year:

SCHEDULE A PREVENTIVE EXAM, flu shot or other preventive screening service.

USE OUR RESOURCES to help stay healthier and save money.

ESTIMATE YOUR COSTS before you get care with myuhc.com or the UnitedHealthcare app.

MANAGE YOUR PLAN AND HEALTH ONLINE at myuhc.com.

GET ON-THE-GO ACCESS to health and account info, tools and resources with the UnitedHealthcare app.

CALL US FOR HELP when you need us.

Do you need more help?

As you consider your benefits, think about how often you go to the doctor and the total cost of your benefits,including how much you pay in monthly premiums.

SEARCH OUR NETWORK for providers near youat welcometouhc.com.

Your coverage starts January 1, 2019.

uhc.comwelcometouhc.com

Toll-free 1-866-873-3903, TTY 711Habla Español? Podemos ayudar.

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Notes

Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.The information in this guide is a general description of your coverage. It is not a contract and does not replace the official benefit coverage documents which may include a Summary ofBenefits and Coverage and Certificate of Coverage/Summary Plan Description. If descriptions, percentages, and dollar amounts in this guide differ from what is in the official benefitcoverage documents, the official benefits coverage documents prevail.Disease Management programs and services may vary on a location-by-location basis and are subject to change with written notice. UnitedHealthcare does not guarantee availability ofprograms in all service areas and provider participation may vary. Certain items may be excluded from coverage and other requirements or restrictions may apply. If you select a newprovider or are assigned to a provider who does not participate in the Disease Management program, your participation in the program will be terminated. Self-Funded or Self-InsuredPlans (ASO) covered persons may have an additional premium cost. Please check with your employer.The UnitedHealthcare plan with Health Reimbursement Account (HRA) combines the flexibility of a medical benefit plan with an employer-funded reimbursement account.MasterCard® is a registered trademark of MasterCard Worldwide.UnitedHealthcare vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, UnitedHealthcare Insurance Company of New York,located in Islandia, New York, or their affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Plans sold in Texas use policy formnumber VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX. Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VAand associated COC form number VCOC.INT.06.VA or VCOC.CER.13.VA.The hi HealthInnovations® hearing program is provided through UnitedHealthcare, offered to existing members of certain products underwritten or provided by UnitedHealthcareInsurance Company or its affiliates to provide specific hearing aid discounts. This is not an insurance nor managed care product, and fees or charges for services in excess of thosedefined in program materials are the member’s responsibility. UnitedHealthcare does not endorse nor guarantee hearing aid products/services available through the hearing program.This program may not be available in all states or for all group sizes. Components subject to change.Network Access Plan information is available for UnitedHealthcare plans in Colorado. UnitedHealthcare has prepared and maintains a network access that describes how the planmonitors the network of providers to ensure that you have access to network providers. The access also has information on the referral processes, compliant procedures, qualityprograms and emergency services coverage provisions. The network access plan is available at the plan’s office: 6465 Greenwood Plaza Blvd, Suite 300, Centennial, CO, 80111 or call(800)842-4509.Real Appeal is a voluntary weight loss program that is offered to eligible participants as part of their benefit plan. The information provided under this program is for general informationalpurposes only and is not intended to be nor should be construed as medical and/or nutritional advice. Participants should consult an appropriate health care professional to determinewhat may be right for them. Any items/tools that are provided may be taxable and participants should consult an appropriate tax professional to determine any tax obligations they mayhave from receiving items/tools under the program.Access to Virtual Visits and prescription services may not be available in all states or for all groups. Always refer to your plan documents for your specific coverage. Virtual Visits are not aninsurance product, health care provider or a health plan. Virtual Visits are an Internet-based service provided by contracted UnitedHealthcare providers that allow members to select andinteract with independent physicians and other health care providers. It’s the member’s responsibility to select health care professionals. Care decisions are between the consumer andphysician. Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at alltimes or in all locations. Members have cost share responsibility and all claims are adjudicated according to the terms of the member’s benefit plan. Payment for Virtual Visit services doesnot cover pharmacy charges; members must pay for prescriptions (if any) separately.Rally Health provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for yourdoctor’s care. If you have specific health care needs, consult an appropriate health care professional. Participation in the health survey is voluntary. Your responses will be keptconfidential in accordance with the law and will only be used to provide health and wellness recommendations or conduct other plan activities.App Store is a registered trademark of Apple, Inc. Android and Google Play are trademarks of Google, Inc.The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories atmyuhc.com®. You should always visit myuhc.com for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factorsyou consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. You should also discussdesignations with a physician before choosing him or her. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit myuhc.com fordetailed program information and methodologies.Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change. These policies have exclusions, limitations and terms under whichthe policy may be continued in force or discontinued. For costs and complete details of the coverage, contact your UnitedHealthcare sales representative.The health discount program is offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specificdiscounts and to encourage participation in wellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions orother requirements in the state. UnitedHealthcare does not endorse or guarantee health products/services available through the discount program. This program may not be available inall states or for all groups. Components subject to change.The Centers of Excellence (COE) program providers and medical centers are independent contractors who render care and treatment to health plan members. The COE program doesnot provide direct healthcare services or practice medicine, and the COE providers and medical centers are solely responsible for medical judgments and related treatments. The COEprogram is not liable for any act or omission, including negligence, committed by any independent contracted health care professional or medical center.

MT-1021355.0 2/18 ©2018 United HealthCare Services, Inc. 18-6811MCR, LLC 10/08/2018

Documents

Get to know your bene“ts. - MCR LLC · 2018. 11. 9. · Get help losing weight and keeping it o . Whether you want to lose a lot of weight or just a few extra pounds, Real Appeal