Medical Plans

USP's health insurance with United Healthcare offers three plan designs with comprehensive coverage allowing maximum employee choice:

Silver Plan: Offers in-network benefits only. Office co-pays are $30 with slightly higher prescription co-pays than the Gold and Platinum plans. The $250 or $500 deductible only applies to major services (i.e., in- and out-patient surgical procedures, hospitalization, etc.). Once the deductibles are met for major services, the plan requires 10% co-insurance of expenses up to an out-of-pocket cap. The in-network provider network is nationwide. USP pays the cost of this coverage at all levels.

Gold Plan: Offers in-network benefits only. Office co-pays are $20 with lower prescription co-pays than the Silver plan. The $250 or $500 deductible only applies to major services (i.e., in- and out-patient surgical procedures, hospitalization, etc.). Once the deductibles are met for major services, the plan pays 100% in-network. The in-network provider network is nationwide.

Platinum Plan: Offers in- and out-of-network benefits. In-network office visits and prescription co-pays are the same as the Gold plan. After satisfying a deductible, the plan pays 80% of Usual, Customary, and Reasonable expenses.

Bi-weekly premiums for each plan are as follows:

Coverage Level	Silver Plan	Gold Plan	Platinum Plan
Employee Only	$0.00	$12.07	$22.06
Employee + 1	$0.00	$26.26	$56.50
Employee + 2 or more	$0.00	$37.40	$68.37