Overview

The Out-of-Area Plan, administered by United Healthcare (UHC), is an indemnity plan that is available to you only if you are located outside of the UHC and Blue Cross Blue Shield service areas.

For a high-level overview of coverage, refer to the Out-of-Area 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 Out of Area 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 Out-of-Area 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.

To request an estimate of your premium, contact the ESU at 4-ESU@travelers.com or 800.441.4378.

Related Programs & Resources

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: Out-of-Area Plan enrollees use the UHC physician network. To find a provider, use the UHC provider directory. Select "Physicians & Facilities" and then select "UnitedHealthCare Choice Plus" from the drop down menu. 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 coinsurance you pay is based on a negotiated fee representing savings of up to 30 percent.

How to Enroll

Access the How to Enroll page for enrollment instructions.