How the Consumer Directed Health Plan Features Work
The UnitedHealthcare Consumer Directed Health (CDH) Plan features two plans. The CDH Gold and Silver Plans deliver two levels of coverage with respective deductibles, coinsurance, and premiums. Both plans include these key components:
Health Reimbursement Account (HRA). At the beginning of your benefit year, Wells Fargo contributes dollars to your HRA:
Employee
Employee + Spouse or Child
Family
HRA, CDH Gold Plan
$1,000
$1,500
$2,000
HRA, CDH Silver Plan
$500
$750
$1,000
Your HRA pays first dollar coverage for eligible medical and pharmacy expenses. See the Rates and Comparison Charts 2009 for details. Also, your HRA rolls over. If you do not use all of your HRA — and remain enrolled in the UnitedHealthcare Consumer Directed Health (CDH) Plan — your remaining balance will roll over into the following year's HRA as long as you remain in the plan.
Deductible. If you use all of the funds in your HRA, you then pay for additional health care expenses up to the amount of your plan’s deductible. Remember, your share of the deductible will be less if you carry over HRA dollars from the previous year.
Employee
Employee + Spouse or Child
Family
Deductible, CDH Gold Plan
$500
$750
$1,000
Deductible, CDH Silver Plan
$1,500
$2,250
$3,000
Coinsurance. You may have eligible health care expenses that exceed your deductible. If this happens, coinsurance takes effect to cover a portion of your eligible expenses. In these instances, if you use a network provider, you pay 20% of medical expenses (10% for maternity) after the HRA and deductible are met.
Service
You Pay In Network
You Pay Out of Network1
Office Visit
20%
40%
Prescription Drugs2 (offered through Medco)
20%
40%
Maternity
10%
40%
Emergency Room Care
20%3
40%
1 Based on the usual and customary cost for the service in your area. 2 Full price for covered drugs. 3 Must meet emergency room criteria.
Out-of-pocket maximum. To protect you, an annual limit applies to the amount you are required to pay out of pocket. This limit is called your out-of-pocket maximum. If you reach this maximum, your in-network eligible expenses are covered 100% by the plan for the remainder of the plan year. See the Rates and Comparison Charts 2009 for details.
Preventive care. Most preventive services — such as physical exams, immunizations, and cancer screenings — are covered at 100% when you use a provider within the UnitedHealthcare network (see the Provider Directory Service). There’s no cost to you — based on the annual exam schedule — and you may use your preventive care benefit at any time, without having to first meet your deductible.
Prescription Coverage
Medco manages the prescription drug benefits for the CDH Plan. Participants receive benefits through Medco's network of pharmacies as well as mail-order service for medications you take long term.
Retail prescriptions. When filling prescriptions at a retail pharmacy, always present your member ID card. It contains all the necessary information for the pharmacy to process your prescriptions.
Mail-order prescriptions. Use mail order for most medications you take on an ongoing basis. Ask your doctor to write a prescription for up to a 90-day supply, plus refills for up to one year, as appropriate. To fill your prescription, do one of the following:
Mail your prescription(s) along with the "Medco By Mail Order Form" found on www.medco.com/openenroll (password: wellsfcdhpfsa). You can also get a copy of the form by calling the number on the back of your ID card. Call 1-888-327-9791 for instructions on how to fax the prescription.
Order your prescriptions online by visiting www.myuhc.com.
