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Learn about the different aspects of medical benefits, including co-payments, deductibles, co-insurance, and out-of-pocket limits. Explore plan choices and benefit charts to make an informed decision.

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  1. Welcome to Chapter 2 – Medical Benefits and Cost Please remember: All Chapters provided in the 2016 Employee Presentation are intended to be part of a module series • There are 6 chapters • Follow along with and compile these into your own presentation (see below) in the order they are presented • Text items in red are variable. Please modify them as necessary in order to fit your customers’ needs • Please pick and choose from the slides provided to create a custom presentation that is right for you and your customers. • Delete this slide before distribution

  2. BENEFITS We make it easy to pick a plan that fits your needs. Medical Benefit Intro • Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  3. BENEFITS Understanding your costs Co-payment Each time you see a provider or fill a prescription, you’ll pay a co-pay (a fixed amount each time). Deductible You pay your share of care, which is 100% of the costs until you reach your deductible. Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  4. BENEFITS Understanding your costs Co-insurance After you’ve reached your deductible, you only pay a percentage, called co-insurance. Out-of-pocket limit You’ll never pay more than your out-of-pocket limit during the plan year. The out-of-pocket limit includes all of your network co-payment, deductible and co-insurance payments. ESTIMATE health care costs. Visit welcometouhc.com Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  5. BENEFITS Plan Choice Options • Your plan choices Choice Plan Choice Plus Plan Select Plan 1 2 3 Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  6. BENEFITS 1 Plan Benefit Chart • Your medical plan Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  7. BENEFITS 2 Plans Benefit Chart • Your medical plan choices Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  8. BENEFITS 3 Plans Benefits Chart • Your medical plan choices Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  9. BENEFITS 4 Plans Benefit Chart • Your medical plan choices Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  10. BENEFITS 5 Plans Benefit Chart • Your medical plan choices Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

  11. This ends Chapter 2 – Medical Benefits and Cost Please open Chapter 3 – Medical Plans Copy and paste slides from Chapter 3 into your Master • Click on the first slide and then press shift while you click on the last slide • Right click on the first slide and select copy • Go to your Master (Chapter 1) • Click below the thumbnail of the last slide in that section • Right click there and select Copy—Use Source Formatting • Whichever slides from Chapter 3 that do not apply to your customer’s needs, delete • Delete this slide before distribution

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