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The Viacom Active Plan Options. What can I expect from UnitedHealthcare?. Dedicated Customer Care: telephone and online services. Personal Messages: e.g. preventive care reminders. One of the largest networks in the U.S. Help Finding: quality and affordable doctors, hospitals, and services.

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what can i expect from unitedhealthcare
What can I expect from UnitedHealthcare?

Dedicated Customer Care: telephone and online services

Personal Messages: e.g. preventive care reminders

One of the largest networks in the U.S.

Help Finding: quality and affordable doctors, hospitals, and services

24/7 Personal Support: from nurses and health coaches

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

you probably have a lot of questions
You probably have a lot of questions

Is my doctor in the network?

What health care coverage best fits my needs?

What is my total cost of health care including premiums?

What extras do I get with my health plan?

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

unitedhealthcare choice plus network key features
UnitedHealthcare Choice Plus Network Key Features

A network doctor, pharmacy, hospital and convenience care clinic are likely nearby.

You can see any doctor you want

You do not need referrals

You’ll save money when you use the UnitedHealthcare network

Source: UnitedHealthcare Network and national network data provided by Strenuous and industry standard access requirements for hospitals and primary care physicians, May 2012

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

find a network doctor or hospital
Find A Network Doctor Or Hospital

Visit www.myuhc.com/groups/viacom

  • Search by:
  • Name or specialty
  • Procedure
  • Office hours
  • Gender
  • Education
  • Driving directions
  • Languages spoken

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

slide6

HealthFund Option (HSA)

What health care coverage best fits my needs?

Choice Plus II Option

Choice Plus Option

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everyone has different needs
Everyone Has Different Needs

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

7

your medical plan options
Your Medical Plan Options

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

slide9

Your Medical Benefits at a Glance

HealthFund Option

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

9

slide10

Your Medical Benefits at a Glance

Choice Plus Option

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

10

slide11

Your Medical Benefits at a Glance

Choice Plus II Option

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

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slide12

Viacom Options include:

  • Freedom to choose any network doctor, including specialists, without referrals
  • Coverage for non-network care
  • No need to choose a primary care physician
  • 100% preventive care coverage in our network
  • Care management if you require hospital stay or surgery
  • Copayments, coinsurance and/or deductible

You have coverage if you receive care outside our network.

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

slide13

HealthFund Option

Health Savings Account (HSA)

what is an hsa
What is an HSA?

Health Savings Accounts (HSAs) are designed to help you save and pay for your health care.

An HSA is a component of the Viacom HealthFund option

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hsa overview
HSA Overview

Used to pay for qualified health care expenses immediately

Require a High Deductible Health Plan (i.e. the Viacom HealthFund)

Funded by you, your employer or others

  • Account funds belong to you
  • Grows over time and can be invested

Investments are not FDIC insured, are not guaranteed by OptumHealth Bank and may lose value.

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your hsa is your money
Your HSA Is Your Money

If you leave your employer or change health plans, you take your HSA with you.

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Any money deposited into your HSA is yours to keep.

There is no “use it or lose it” rule.

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what you need to know about an hsa
What You Need to Know About An HSA

You’re in charge of managing your HSA

Annual contribution limits set by the IRS and deposits can be made at any time

Funds can be used to pay for current health care expenses, or can be saved for future health care expenses

All deposits are income tax free and withdrawals are not taxed

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contribution limits
Contribution Limits

The IRS determines how much you can fund.

Amount of Funding

Rules

  • For 2013 the IRS allow you to contribute up to $3,250 for Individuals and $6,450 for families.

Those 55 years of age or higher, but not entitled to Medicare benefits, can fund an additional $1,000/year “catch-up” contribution!

Additional Funding

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how to use your hsa funds
How to Use Your HSA Funds

Use Your HSA Funds Now

or Save for the Future

  • Build balances to cover your HDHP deductible
  • Use the funds in your HSA
  • Save for the future and grow funds tax free

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hsa qualified medical expenses
HSA Qualified Medical Expenses

Use HSA dollars to pay for medical expenses for your spouse or dependents – even if they aren’t covered by your HDHP medical plan

Medical plan deductibles and coinsurance

Medical, prescription drugdental and vision care services

Any money you take out of your HSA for eligible medical expenses is income-tax free

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other hsa qualified medical expenses
Other HSA-Qualified Medical Expenses

1

  • Health coverage while receiving unemployment benefits

2

4

  • Medicare premiums and out-of-pocket expenses
  • COBRA continuation coverage

3

  • Eligible
  • long-term care premiums

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paying for non qualified expenses
Paying for Non-Qualified Expenses

EXCEPTION: The penalty does not apply to account holders age 65 and older, those who become disabled or enroll in Medicare or die.

Any funds used for purposes other than to pay for eligible medical expenses are:

Taxable as income

Subject to a 20 percent tax penalty

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access your hsa funds
Access Your HSA Funds

Use your UnitedHealthcare Health Savings Account Debit MasterCard®. Debit Card can be used at doctor’s office, pharmacy, anywhere MasterCard is accepted.

Use the free online bill pay function for both one time and recurring expenses

Order HSA checks for this account ($10 for book of 25)

Pay for an expense with personal funds and reimburse yourself from your HSA

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access your hsa funds1
Access Your HSA Funds

Use your UnitedHealthcare Health Savings Account Debit MasterCard®. Debit Card can be used at doctor’s office, pharmacy, anywhere MasterCard is accepted.

Use the free online bill pay function for both one time and recurring expenses

Order HSA checks for this account ($10 for book of 25)

Pay for an expense with personal funds and reimburse yourself from your HSA

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making deposits
Making Deposits

Payroll Contributions

  • You can elect to make pre-tax payroll contributions to your account on a per pay period basis.

You can also make contributions on-line at myuhc.com – transfer funds from your personal account to your HSA.

Or, you can send in a check contribution. Deposit forms available online at myuhc.com and in your welcome kit.

e-Contribute*

Check*

*contributions made outside of payroll are after-tax, however these can be claimed on your federal tax return as an above-the-line item deduction.

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slide26

The plan is designed to help you:

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

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open your account and deposit early
Open Your Account and Deposit Early

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

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  • Open and deposit money into your HSA early.
  • You’ll be prepared for health expenses.
  • Viacom offers automatic payroll deposit into your HSA.
  • Viacom contributes to the HSA: $500 Individual or $1,000 Family.
  • Don’t leave free money on the table. You can only collect the money by opening your HSA account.
the plan in action
The Plan in Action

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  • This is Mary. The HealthFund Option gives her:
  • Lower monthly premiums
  • Viacom’s contribution of $500 to her HSA
  • Ability to choose any doctor
  • Unspent HSA dollars can roll over
  • Possibly no out-of-pocket costs

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the plan in action1
The Plan in Action

1.

Mary’s annual deductible is $1,300.

  • Viacom is funding $500 in the HSA.
  • Mary contributes $500 to the HSA.
  • Mary is responsible for her deductible.
  • Preventive care is covered 100% in network.

1.

Deductible

$1,300

Mary chooses to pay out of her pocket OR with her HSA

Preventive care is covered 100% in the network.

Example assumes services are received in network.

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

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A snapshot of Mary’s plan:

the plan in action2
The Plan in Action

2.

After her deductible is met, Mary’s coverage is 90% / 10%.

  • Mary’s plan will pay 90%.
  • Mary will pay 10%.
  • This is called coinsurance.

1.

2.

Deductible

$1,300

Coverage

90 / 10

Mary’s plan pays 90%

Mary

pays

10%

Mary chooses to pay out of her pocket OR with her HSA

+

coinsurance

Preventive care is covered 100% in the network.

Example assumes services are received in network.

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

A snapshot of Mary’s plan:

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the plan in action3
The Plan in Action

3.

Mary’s out-of-pocket maximum amount is $2,600.

  • When Mary reaches her out-of-pocket maximum, the plan pays 100%.
  • Mary is protected.

1.

2.

3.

Deductible

$1,300

Coverage

90 / 10

Out-of-pocket

Maximum $2,600

Mary’s plan pays 90%

Mary

pays

10%

Mary chooses to pay out of her pocket OR with her HSA

Mary is protected

+

When Mary reaches her out-of-pocket

maximum, her plan pays 100%.

coinsurance

Preventive care is covered 100% in the network.

Example assumes services are received in network.

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

A snapshot of Mary’s plan:

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introduction to optumrx
Introduction to OptumRX
  • Who is OptumRx?
  • OptumRx is a UnitedHealth Group company,
  • offering high quality pharmacy benefit services. Viacom members
  • will enjoy additional advantages, such as an easy online
  • experience, option to set up mobile text refill reminders, superior
  • customer service and access to the OptumRx Mail Service
  • Pharmacy.
  • What happens if my question is not answered here?
  • For more information, visit us today at http://welcometouhc.com/viacom.
  • After 1/1/13, you can call customer service at the member phone
  • number listed on the back of your ID card or visit myuhc.com.
welcome to your optumrx pharmacy benefit
Welcome to your OptumRX Pharmacy Benefit

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

welcome to your optumrx pharmacy benefit1
Welcome to your OptumRX Pharmacy Benefit

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

slide35
Viacom’s Pharmacy Plan will Transition to UnitedHealthcare effective 1/1/13, UHC’s pharmacy is OptumRx

Will my prescription records transfer?

Yes, your pharmacy claims records will be securely transferred to UnitedHealthcare from Express Scripts.

Can I go to the same pharmacy?

You will have access to over 64,000 retail pharmacies including all large national chains, and many local, community pharmacies and the OptumRx Mail Service Pharmacy. To locate a network pharmacy, log into our Pharmacy locator atwww.welcometouhc.com/viacom.

Will my mail service prescription(s) transfer to OptumRx?

Most mail service prescriptions with remaining refills will automatically transfer. Prescriptions for certain medications will not transfer. Examples include certain painkillers and prescriptions that have expired. In these cases, you’ll need a new prescription from your doctor.

Once I place a mail service order, how quickly will I get my medication?

New prescription orders are delivered by standard U.S. mail and will arrive around 10 business days from the date OptumRx receives the order. Refills are sent the same way and normally arrive within 7 business days. If you have an email address on file, you can expect to receive an email when your prescription ships. If you don’t have an email address on file, you’ll receive a phone call.

OptumRX Frequently Asked Questions

Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

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optumrx frequently asked questions
OptumRX Frequently Asked Questions
  • I receive a specialty medication through a Specialty
  • Pharmacy. How does this impact me? Do I need to take any
  • action?
  • Most specialty medications are managed through our OptumRx
  • Specialty Pharmacy Program. Your Curascript / ESI Specialty
  • Pharmacy Rx will be transferred to OptumRX and you will receive a letter
  • and phone call from OptumRX with further information. Once your Rx is
  • transferred, you can call the OptumRx Specialty Pharmacy, at 1-888-739-
  • 5820, and talk to a patient care coordinator to assist you. Our specialty
  • pharmacy program offers on-call pharmacists available 24 hours a day,
  • information about lower-cost medication options and additional resources.
hsa eligibility
HSA Eligibility

You are eligible to open and contribute to an HSA if:

You are covered by an eligible high deductible health plan

You are not covered by any other health plan that is not a high deductible plan

You are not entitled to Medicare, TRICARE or TRICARE for Life

You have not received VA benefits within the past 3 months

You are not claimed as a dependent on someone else’s tax return

You are not covered by a health care FSA, nor have a balance in your FSA on 12/31/12

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