Simple. Health Savings Plan (HSP) 2015 Benefits Guide. Personal. Empowering.

Transcription

1 Health Savings Plan (HSP) 2015 Benefits Guide Simple. Personal. Empowering. An easy-to-use guide to understanding your UnitedHealthcare benefits offered by Columbia University. What s Inside: Introduction Medical coverage Medical plan options Health Savings Plan (HSP) Vision plan Flexible Spending Account (FSA) Your medical plan cards myuhc.com Wellness programs Personal care Health and benefit news Preventive care UHC.TV SM Visit myuhc.com Call

2 Simple. Personal. Empowering. We hope you use this guide to remind you of the benefits and the many great services available to you. You can count on UnitedHealthcare to help protect you financially and to guide you through any health care needs. If you need help or have questions about your benefits, give us a call. Ask us questions about benefit details. Or, ask us to help check if your physician or hospital is in our network. USING ADVOCATE4ME SM Your one-stop service for help navigating your medical benefits. Want to learn how to get the most value out of your medical plan? We ll help walk you through your options and coverage. Not sure where to go for care? Registered nurses are available 24/7 to help you make an informed decision. Concerned about what a diagnosis or treatment plan means for you? You ll get the time, attention and information to help you make decisions for yourself or a family member. Looking for a physician? We ll help you find one. And we ll even make your appointments. Need help resolving billing or claims issues? We ll help you get to the bottom of them. Questions on a recent screening or blood test? We ll help you make sense of the numbers and together find ways to improve them, if needed. Call , TTY 711, for one-on-one support from a UnitedHealthcare Advocate. Advocates are available 8 a.m. 8 p.m. local time (Monday Friday). Or, call 24/7 to speak to a nurse. You can us at Advocate4Me@uhc.com. You also have a 24-hour nurse If you have a health question or concern, a registered nurse is available 24/7 to: Answer questions about an illness or injury Provide information on managing a condition Explain medications and drug interactions and more 2 myuhc.com

3 Medical Coverage COVERED SERVICES Here is a summary of the many services the plans will cover. See page 4 for coverage details: Physician office visits Emergency services Hospital care Lab services Mental health and substance use disorder services Outpatient care services Pregnancy and newborn care Preventive care services Rehabilitative services and devices Wellness services Your preventive care is covered 100% in our network. You don t have to pay any out-of-pocket costs for preventive care as long as you use a network physician. FIND A NETWORK PHYSICIAN OR HOSPITAL Health care providers who are in our network have agreed to charge lower prices, which helps lower your health care costs. There are two ways to find out if your local physician, clinic or hospital is in our network. 2 3 out of every physicians are in network Go online Call us About the network: Go to myuhc.com. Select Find a Physician, Laboratory or Facility. Select UnitedHealthcare Choice Plus from the list. Enter a physician or facility name, specialty or condition. You can search by distance, gender, language and more. Call your advocate at if you need help with your search. More than 750,000 physicians and health care professionals (that s two out of every three physicians) More than 5,600 hospitals and health care facilities Local access to 98% of the U.S. population Meet Tekoa Kuntz Tekoa needed heart surgery. Before he was even born, UnitedHealthcare helped his mom and dad find a UnitedHealth Premium -designated surgeon at a children s hospital that is recognized for treating complex heart conditions. Four years later and after three surgeries Tekoa loves to go to the pool. And he can leap off the couch like a super hero. Learn more about the UnitedHealth Premium program at myuhc.com myuhc.com 3

4 MEDICAL BENEFITS AT A GLANCE Medical Annual Deductible Individual Family Out-of-Pocket Maximum Individual Family In-Network $1,300 $2,600 $2,800 $5,600 Health Savings Plan (HSP) Out-of-Network* $2,500 per person $6,000 $12,000 Lifetime Maximum Benefit Unlimited Unlimited Covered Services Physicians and Specialties Physician office visit Specialist office visit Preventive Care Well-child visits Mammogram Immunizations Annual physical Urgent and Emergency Care Urgent care visit Emergency room* Ambulance Hospital Care Outpatient surgery Lab and X-ray Hospital stay Maternity stay Plan pays 100% no deductible Plan pays 100% no deductible Plan pays 100% no deductible Plan pays 100% no deductible Not covered Not covered Not covered Not covered * Out-of-network coinsurance reimbursement is indexed to 190% of the Medicare Maximum Allowable Charge (MAC). ** For a true emergency This information is a general description of your coverage. It is not a contract and does not replace the Summary Plan Description (SPD). If descriptions, percentages and dollar amounts in this guide differ, please refer to the SPD on the HR website (hr.columbia.edu/forms-docs/search). PRESCRIPTION DRUG COVERAGE ADMINISTERED BY EXPRESS SCRIPTS Pharmacy Certain Preventive Drugs Non-Preventive Drugs Retail Pharmacy (up to 30-day supply) Home Delivery: Mail Order (up to 90-day supply) Infertility Coverage (oral and injectable medication) $10 generic $25 single-source brand $45 multi-source brand $15 generic $50 single-source brand $90 multi-source brand N/A Subject to HSP deductible, then Rx copays apply Subject to HSP deductible, then Rx copays apply Subject to HSP deductible, then Rx copays apply Note: Prescription drug copays and the deductible accumulate toward the HSP s out-of-pocket maximum. Therefore, once you reach the annual out-of-pocket maximum, the plan pays 100% of the cost of prescription drugs (preventive and non-preventive), in addition to paying 100% of the cost of in-network medical services. 4 myuhc.com

5 Health Savings Plan (HSP) You have the freedom to use any physician or hospital you want. But you can save money when you choose physicians (including specialists), hospitals and labs in the UnitedHealthcare network. Health care providers who are in the network have agreed to charge lower prices. You also have coverage if you receive care outside the network. However, you will likely pay more for the service. A national network to help lower your costs No matter where you are in the U.S., a network physician is likely nearby. You do not need to choose a primary care provider. But a primary care provider (PCP) can be helpful in managing your care. You do not need a referral to see a specialist. See any physician, including specialists, without referrals. YOU CAN OPEN A HEALTH SAVINGS ACCOUNT. This plan lets you open a Health Savings Account (HSA). An HSA is a personal bank account to help you save and pay for health care, while giving you real tax savings. You can use the HSA to pay for qualified medical expenses. Use it for covered services such as physician office visits and prescriptions. Use it for other qualified medical expenses like dental and vision services. You own the HSA. The money is yours to keep. There s no use it or lose it rule. The money stays in the account until you use it. If you leave your employer, change medical plans or retire, you take it with you. Use it to pay for services today or save it for a future need even into retirement. You don t have to pay federal or, in most instances, state income taxes on: Deposits you or others make Money you spend on qualified expenses Interest earned while money is in the account Health savings account vs. flexible spending account (FSA) Keep in mind, the IRS does not permit you to elect both a health care FSA and an HSA. If your spouse has one of the two, for example, through another employer, you cannot elect the other type of tax-advantaged plan. Open your HSA with Optum Bank SM, Member FDIC. More than a million people use Optum Bank as their HSA bank. With Optum Bank, you can do your banking through your plan website, myuhc.com. Plus, you get: Online bill payment; and A debit card to make it easy to pay and more. Learn more at optumbank.com. You must be eligible to have an HSA. Visit myuhc.com to see eligibility requirements, estimate tax savings and more. See page 4 for details about the HSP myuhc.com 5

6 TWO STEPS TO START YOUR SAVINGS 1 Open your HSA. You may be able to open your HSA through Columbia University. See your health plan documents for details. 2 Set a savings goal. Even small deposits can make a big difference. You can make regular, pre-tax deposits through payroll deductions HSA limits The IRS limits how much you can put into your HSA each year. The 2015 limits are: $3,350 for individual coverage $6,650 for family coverage Are you 55 or older? You can put in an extra $1,000 this year. HOW THE PLAN WORKS Here s how the plan works in three simple steps. Remember, the Plan covers your preventive care at 100% when you use network physicians. STEP 1 STEP 2 STEP 3 Your deductible You pay until you reach the deductible. The deductible is the amount that you pay for covered health care services before your medical plan starts to pay. You will pay for all covered services (medical and prescription drug) until you pay your deductible. You can pay for services with the money in your HSA. Or, you can pay another way (cash, credit card or check) and let your HSA grow. Your coinsurance You and your plan share the cost of services. After paying the deductible, your plan will have coinsurance. Coinsurance is when you and your plan share the cost of covered services. Your out-of-pocket maximum You are done paying. If your deductible and coinsurance payments reach the out-of-pocket maximum, you are done paying. Your plan will pay 100% of in-network covered medical services, including prescription drug costs, for the rest of the calendar year. This limit is there to protect you if you have a major medical event.* Paying for prescriptions Prescription drug coverage is integrated with the HSP medical coverage. This means you pay for your nonpreventive prescription drugs until you meet the HSP deductible. Once the deductible is met, the prescription copay applies. Prescription drugs that are categorized as preventive under federal guidelines are not subject to the HSP deductible, so you are only responsible for paying the appropriate copay, which accumulates toward the HSP out-of-pocket maximum. For a list of prescription drugs that are considered preventive, go to the Forms & Documents section of the HR website (hr.columbia.edu) and search for Preventive Drug List. STEP 1 Your deductible STEP 2 Your coinsurance (After you reach the deductible) STEP 3 Your out-of-pocket maximum Pay with your HSA or pay out of your pocket Your plan pays 90% + You pay 10% You are done paying You can pay your share using your HSA. When you reach the limit, the plan pays 100%.* Preventive care is covered 100% when you use a network physician. *Note: You may still be responsible for out-of-network services even if you have reached your out-of-pocket maximum. For more information, please refer to the SPD on the HR website (hr.columbia.edu/forms-docs/search). 6 myuhc.com

7 UNITEDHEALTHCARE VISION WITH A UNITEDHEALTHCARE VISION PLAN, THE CHOICES AND SAVINGS ARE EASY TO SEE. Sign up and see the savings. When you sign up for a comprehensive vision plan, you usually get a larger choice of frames and lenses. You have access to a national network of providers. You have access to a national network of providers, including optometrists and ophthalmologists. There are two ways for you to find a vision provider: Visit the vision website. To access the vision website, log into myuhc.com, click on the Benefits & Coverage tab and select Vision from the left menu. Then, click Vision Benefit Highlights and select Finding a Provider from the left menu. Call customer service at say Benefits, then Vision. You have coverage for an eye exam and eyeglasses/contact lenses. Your plan includes a covered eye exam with eyeglasses or contacts. You have access to an unlimited selection of eyeglass frames.* You also get an allowance to help buy any frame when you use a network provider. You can use your contact lens benefit toward new or replacement contacts, contact lens fittings and follow-up visits. Save an additional 10% off your contact order when you use our online site. Services received Eye Exam Health Savings Plan 90% after deductible; one exam every 12 months Our large national network Our large vision network has many private practices and more than 100 popular retail chains, including: Once you become a member, visit myuhc.com to: Review your vision coverage Find a vision provider Check your vision claims Did you know? Research has shown a comprehensive eye exam may be the first line of defense against diseases such as diabetes, hypertension and heart disease, making it an important part of your preventive care. Eyeglass Lenses Eyeglass Frames Contact Lenses Lens/Frames/Contacts Child:** $75 copay; Adult: $100 allowance; one pair every 12 months For more information on your vision benefit, go to hr.columbia.edu/benefits. *Frame discounts do not apply when prohibited by the frame manufacturer. **Child is defined as less than age myuhc.com 7

8 FLEXIBLE SPENDING ACCOUNT PAY FOR CARE. KEEP MORE OF YOUR MONEY. A Flexible Spending Account (FSA) is a special account that lets you set aside money, before it is taxed, to help pay for care. You must re-enroll in an FSA each year. Sign up for a health care FSA to pay for eligible health care expenses, which include many medical, prescription drug, dental and vision services, and supplies. Sign up for a dependent care FSA to pay for eligible dependent care expenses. This can include child or adult day care services and programs. AN FSA LETS YOU KEEP MORE OF YOUR MONEY. You keep more of your money because you don t pay taxes on the money you put into your FSA. The amount you save depends on how much you put into your FSA and your income tax rate. IT S EASY TO USE YOUR FSA. Automatic payment: If a service is covered by your medical, dental or vision plan, we can automatically pay the bill (claim) from your FSA so you don t have to. Direct deposit: Don t wait for a check in the mail. We can reimburse your money directly into your personal bank account. Online claim form: Easily submit your claims on myuhc.com to ask for reimbursement from your FSA. You can even sign up for alerts to track payments. This year s FSA dollar limits The most you can deposit into your FSA this year is: $2,550 for a health care FSA $5,000 for a dependent care FSA Health Care Spending Card MasterCard : This handy debit card will make it easy to pay for services from your FSA. For more details about FSAs, go to hr.columbia.edu/benefits. Child care benefit Eligible officers can elect to receive up to a $2,000 contribution from Columbia University to a dependent care FSA. If you elect this benefit during the year, you will receive a prorated portion of the benefit. 8 myuhc.com

9 Your Medical Plan Cards Show your medical plan ID card when you visit your physician, hospital or other health care provider. Front of a sample ID card Member ID and Group Number These numbers are useful when registering on myuhc.com or calling Customer Care. Back of a sample ID card Your member website Use myuhc.com for all your benefit and wellness information. Customer Care number Call the number listed here if you need to speak with an advocate myuhc.com 9

10 AFTER YOU ENROLL: MYUHC.COM USE MYUHC.COM TO TAKE CHARGE OF YOUR HEALTH CARE. As a member, myuhc.com is where to go for all of your UnitedHealthcare benefit information. But it offers you more than that. You ll have easy access to tools to help you make decisions about your health, organize your health information and even improve your health. Take charge of your health care. Be sure to register on myuhc.com after you sign up for your benefits. CHECK OUT THESE HELPFUL TOOLS. Use myuhc.com wherever you are. Download the UnitedHealthcare Health4Me TM mobile app. Health4Me provides instant access to your family s critical health information, claims and ID cards, and access to the provider search to find a physician anytime and anywhere. Easily estimate health care costs. myhealthcare Cost Estimator shows you the estimated costs for a treatment or procedure. You ll even see what you could be responsible for paying based on your plan. Finally, there s a tool that makes searching for health care an easy and personal shopping experience. Easily find high-quality physicians. The UnitedHealth Premium designation program makes it easy to find in-network physicians who meet national standards for quality and local market benchmarks for cost efficiency. When you do an online search for a network physician, look for this symbol: TIER 1 Easily manage and pay your claims. myclaims Manager provides a clearer explanation of your claims and costs, which helps you better understand and track your expenses. You can even pay your health care providers online for any amount for which you may be responsible. PLAN DISCOUNTS Make Payment YOUR RESPONSIBILITY YOUR PLAN PAID 10 myuhc.com

11 AFTER YOU ENROLL: HEALTH & WELLNESS RALLY SM A NEW WAY TO SUPPORT YOUR HEALTH JOURNEY Rally is a user-friendly digital experience on myuhc.com that will engage you in a new way by using technology, gaming and social media to help you understand, learn and support you on your health journey. What is Rally? With the online Rally Health Survey, we make it easier for you to get motivated to be healthier. When you sign up for Rally, the first thing you ll learn is your Rally Health Age, which tells you how your body is feeling right now. Then you can start exploring all the great digital tools that may help you make healthier choices based on your life, schedule and needs. Get started: Personal Missions Log in to* myuhc.com and click on the Health and Wellness tab located in the upper-right-hand corner. To sign up for Rally, you will need to create a username and password the first time you visit the site. Once you have completed the Health Survey, we have the data we need to suggest action steps or Missions. Move, Eat, Feel and Care Missions are interactive and provide choices that may help improve or maintain your health. They re also linked to promotions, reminders and tracking accomplishments, giving you just the push you need to keep going. Tracking is simple, fun and full of rewards Health trackers monitoring weight loss, physical activity and more are tightly integrated with motivating messages and personally relevant information, to keep you inspired. You can also connect with wearables like Fitbit and Jawbone for mobile access. To help you create new healthy habits, coins are awarded every time you engage even in small ways essentially rewarding you every time a health or tracking activity takes place. Coins can be used to enter sweepstakes. An notification tells you if a reward activity is complete or if you have registered for a sweepstakes. With Rally, you can also join an online challenge, share your accomplishments with others through moderated health communities, choose an avatar, connect with a personal wellness coach or join a competition to increase the fun. *Enter your user name and password to log in, or select Register Now to create a username and password myuhc.com 11

12 AFTER YOU ENROLL: PERSONAL CARE PERSONAL CARE WHEN YOU NEED IT You ll get personal attention if you need help finding the right care or managing a complex health condition. Here are just some of the clinical programs and services that are available. These are included at no extra cost to you and your covered dependents. If you need help with everyday challenges, including serious issues Behavioral health support is available anytime you need it. You can visit liveandworkwell.com to learn more. You will have confidential help for: Depression, anxiety or stress Relationship difficulties Alcohol and drug abuse recovery Coping with grief and loss, and more If you need care management Through care management, we ll work with your physicians and other health care providers to help you understand your treatment options if you need care. We ll also let you know about special programs to help you make informed health care decisions or to help manage a condition. If you are dealing with the challenges of disease The Disease Management Program will connect you with specially trained nurses and experts who can provide support for you and your family to deal with a condition or disease. Please visit myuhc.com to learn what programs are available to you. If you are pregnant or thinking about having a baby The Healthy Pregnancy Program will help you through every stage of your pregnancy and delivery. Members can enroll by calling or by going to healthy-pregnancy.com. When you sign up, you will have access to: Experienced nurses 24/7 Information to help you identify risks and special needs Our online Healthy Pregnancy Owner s Manual and other materials Complimentary gifts and money-saving coupons If you or a loved one has cancer With cancer and any other disease, there are a lot of questions. They may include What treatments will I need?, What side effects might I experience?, Where should I go for treatment? and many more. With the Cancer Support Program, dedicated cancer nurses will help you find the information you require and the emotional support you may need. Call , TTY 711, for one-on-one support from an Advocate. Advocates are available 8 a.m. 8 p.m. local time (Monday Friday). Or, call 24/7 to speak to a nurse. 12 myuhc.com

13 AFTER YOU ENROLL: STAY INFORMED ABOUT YOUR BENEFITS AND THE LATEST HEALTH NEWS. SIGN UP FOR HEALTHY MIND HEALTHY BODY, YOUR PERSONALIZED HEALTH E-NEWSLETTER. Healthy Mind Healthy Body is an award-winning monthly e-newsletter filled with tips and strategies you and your family can use. Our plain-language approach and at-a-glance layout make it easy to get right to quick tips and information you want for healthier living. SIGN UP FOR BENEFIT AWARENESS TO GET NEWS ABOUT YOUR BENEFITS. Get monthly news and information on tools and resources to help you get the most out of your UnitedHealthcare benefits. You will receive news to help you stay informed on preventive care and learn about cost-saving tips, and how to make your health care experience easier. Signing up is easy. You can sign up now when you visit uhc.com/myhealthnews or you can sign up when you register on/log in to myuhc.com and go to your Preference Center to sign up. VISIT SOURCE4WOMEN.COM FOR ANSWERS TO YOUR HEALTH AND WELLNESS QUESTIONS. Source4Women gives you answers to your health and wellness questions in plain language. From interactive seminars and presentations to healthy recipes and tips from the experts, we give you information to help you make more informed decisions. Connect with us. For upcoming online seminars, the latest information, health tips and more, follow us Source4WomenUHC Source4Women Source4Women myuhc.com 13

14 AFTER YOU ENROLL: PREVENTIVE CARE TAKE ADVANTAGE OF PREVENTIVE CARE TO HELP MANAGE YOUR HEALTH. What does preventive care do for me? Regular preventive care visits and health screenings may help to identify potential health risks, and may help you avoid serious health problems. Your physician will determine what preventive care services or health screenings may be right for you. What is covered as a preventive care service? When a service is provided specifically for a preventive screening, and there are no known symptoms, illnesses or history, the service will usually be considered preventive care. Preventive care services will be based on many factors such as your age, gender, overall health status, personal health history and your current health condition. Preventive care services may include many types of services, including: Physician office services: Lab, X-ray or other preventive Routine physical examinations screening tests: Well-baby and well-child care Screening mammography Immunizations Colorectal cancer screening Cervical cancer screening Osteoporosis screening How do I know if a service is preventive care or not? When you visit your physician, the services you receive will be considered either preventive care or non-preventive care depending on many factors. See if you can determine whether the care received in the following scenarios would be considered preventive or non-preventive. Situation 1 Situation 2 A woman visits her network physician for her screening mammogram. Answer: This is considered preventive care because her visit is part of a routine annual exam and has not been prompted by any sort of previous diagnosis. A man visits his network physician for his preventive care exam and based on his age, his physician recommends a screening colonoscopy. Answer: This is considered preventive care because this service is part of a routine annual exam and has not been prompted by any sort of previous diagnosis. Will my medical plan consider medications a preventive service? Through your pharmacy benefit you may be eligible for certain medications covered as preventive care, including: Certain FDA-approved women s contraceptives Folic acid supplements for women who may become pregnant Generally, over-the-counter medications are excluded from coverage. For specific preventive care coverage guidelines, go to the Forms & Documents section of the HR website (hr.columbia.edu) and search for Preventive Drug List. For more information about the preventive care services that may be right for you, visit 14 myuhc.com

15 main red gradient bottom PMS 1795C PMS 1815C C0 M96 Y90 K2 C13 M96 Y81 K54 white WHITE C0 M0 Y0 K0 black BLACK C100 M100 Y100 K100 on light backgrounds standard no gradients watermark stacked logo (for sharing only) on dark backgrounds standard no gradients watermark stacked logo (for sharing only) BE SURE TO CHECK OUT: UHC.TV SM LEARN. LAUGH. BE INSPIRED. UHC.TV is an Internet TV network that inspires people to choose healthier living and educates them to get the most out of their health benefits. From short, original videos with health insurance explanations to tips on healthy eating, seeing your physician and living well, it s available anytime from a computer, tablet or mobile device. WHAT CAN YOU DO AT UHC.TV? Ask questions Submit your questions to our cooking, nutrition and medical experts and view their video answers. Unwind with a laugh Take a stress break and watch a few two-minute comedy bits. It s good for your heart. Unravel health insurance mysteries Get simplified definitions to help you sort out the basics of health insurance. We all need to understand more than we do. YOUTUBE LOGO SPECS PRINT Share with friends Share video links by or embed your favorite videos on your blog or Facebook page. It s great content you can pass along. On YouTube at uhctv On Facebook On Stay informed Subscribe to receive new videos as they are posted so you don t miss a thing myuhc.com 15

16 Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc., or their affiliates. As a company dedicated to helping people to live healthier lives, UnitedHealthcare encourages our enrollees to receive preventive health services. The health care reform law requires the coverage of certain preventive services, based on your age, gender and other health factors, with no cost-sharing. UnitedHealthcare covers preventive services, as specified in the health care reform law, at 100% without charging a copayment, coinsurance or deductible, as long as they are received in the health plan s network. UnitedHealthcare also covers other routine services, which may require a copayment, coinsurance or deductible. Always refer to your plan documents for your specific coverage. For a complete description of the UnitedHealth Premium designation program, including details on the methodology used, geographic availability, program limitations and medical specialties participating, please see myuhc.com. All UnitedHealthcare members can access a cost estimator online tool at myuhc.com. Depending on your specific benefit plan and the ZIP code that is entered, either the myhealthcare Cost Estimator or the Treatment Cost Estimator will be available. A mobile version of myhealthcare Cost Estimator is available in the Health4Me mobile app, and additional ZIP codes and procedures will be added soon. This tool is not intended to be a guarantee of your costs or benefits. Your actual costs and/or benefits may vary. When accessing the tool, please refer to the Terms and Conditions of Use and Why Your Costs May Vary sections for further information regarding cost estimates. Refer to your health plan coverage document for information regarding your specific benefits. The UnitedHealthcare plan with Health Savings Account (HSA) is a high deductible health plan (HDHP) that is designed to comply with IRS requirements so eligible enrollees may open a Health Savings Account (HSA) with a bank of their choice or through Optum Bank, Member of FDIC. The HSA refers only and specifically to the Health Savings Account that is provided in conjunction with a particular bank, such as Optum Bank, and not to the associated HDHP. Source4Women content and materials are for information purposes only, are not intended to be used for diagnosing problems and/or recommending treatment options, and are not a substitute for your physician s care. Lists of potential treatment options and/or symptoms may not be all inclusive. Twitter is a registered trademark of Twitter, Inc. UnitedHealthcare Vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, Connecticut, or its affiliates. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates. Information for individuals residing in the state of Louisiana or have policies issued in Louisiana: Health care services may be provided to you at a network health care facility by facility-based physicians who are not in your health plan. You may be responsible for payment of all or part of these fees for those nonnetwork services, in addition to applicable amounts due for copayments, coinsurance, deductibles, and non-covered services. Specific information about network and non-network facility-based physicians can be found at myuhc.com or by calling the toll-free Customer Care telephone number that appears on the back of your health plan ID card Consumer 5/ United HealthCare Services, Inc. Consumer Communication Solutions