Overview

The United Healthcare (UHC) High Deductible Plan is a medical plan that allows you to use a network provider or another provider of your choice. Because UHC has negotiated a service fee, using a network provider may save you out-of-pocket costs. This plan provides catastrophic coverage. The High Deductible Plan is available to all employees.

For a high-level overview of coverage, refer to the High Deductible Plan overview.

Additional Details

Comprehensive information about this benefit plan is contained within the Medical Benefit Plan Summary (PDF). In addition, below is some important information about this plan:

• If you are a Virtual Office employee, your home address is used to determine your access.
  
  
• If you are a resident of Hawaii, the only available health plan is Health Plan 200. Additional information on Health Plan 200 is included in the Hawaii Medical Plan Summary (PDF).
  
  
• Please review the High Deductible Plan Summary Plan Description (PDF) for detailed information concerning the plan.
  
  
• If you have any questions about coverage at retirement, contact the Employee Services Unit (ESU) at 4-ESU@travelers.com or 800.441.4378.

Eligibility

You are eligible to participate if you are a regular status, salaried employee of Travelers scheduled to work at least 20 hours a week. Your dependents are also eligible for coverage if they meet the eligibility requirements and you elect coverage under the plan.

For additional information regarding eligibility, review the Eligibility Information page. If you have any questions, contact the ESU at 4-ESU@travelers.com or 800.441.4378.

Cost

You and Travelers share the cost of your medical coverage. When you enroll in the plan, the company will inform you of your share of the premium. Your premium is based on the plan that you choose, the coverage level you select, your annual base salary, and the smoking status of you and your spouse or domestic partner as applicable. Calculate Your Rates

Related Programs & Resources

The following programs and resources may be useful to you as a participant in the High Deductible Plan.

• Condition Management: UHC offers a Condition Management program to UHC participants that includes education and phone-based support for plan participants with chronic medical conditions. For additional information about the Condition Management program, call 866.676.0740..
• Tobacco Cessation: Enrolled employees and their adult dependents who are over age 18 are eligible for a tobacco cessation benefit to help them stop using tobacco. The Tobacco Cessation program provides access to a personal coach and Nicotine Replacement Therapies.
• Provider Directory: High Deductible Plan enrollees use the United Healthcare physician network. Visit the UHC provider directory. Select "Physicians & Facilities" and then select "UnitedHealthCare Choice Plus" from the drop down menu.

  The High Deductible Plan uses the Medica Choice network in the greater Minnesota and Western Wisconsin area. Greater Minnesota and Western Wisconsin area participants should use the Medica provider directory to find a doctor. After selecting the "Member Through Work" link, select "Medica Choice with UnitedHealthcare Choice Plus."

  Note: There is no difference in benefits if you use an in-network or out-of network provider for this plan. However, if you do use an in-network provider, you are likely to save out-of-pocket costs because the co-insurance you pay is based on a negotiated fee representing savings of up to 30 percent.

• How to Choose a Medical Plan: Use this tool to compare the medical plans available to you based on cost, provider network and other factors.

How to Enroll

Access the How to Enroll page for enrollment instructions.