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2012 Annual Benefits Enrollment

Health and Wellness Plans
Out-of-Area Plan Overview

What's Changing for 2012:

  • The medical out-of-pocket maximum is $3,150 for individuals and $6,300 for families.
  • For brand-name prescription drugs, the coinsurance minimum is $32 and the coinsurance maximum is $130. 
  • The prescription drug out-of-pocket maximum is $2,350.

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 (BCBS) areas.

For an overview of coverage, refer to the Out-of-Area Plan overview table.

Additional Details

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

  • The Out of Area SPD from UHC provides detailed information about this plan.
  • Residents of Hawaii are offered just one medical plan, Health Plan 200, which is approved by the Hawaii Department of Labor and Industrial Relations. Information on Health Plan 200 can be found in the Hawaii Medical Plan Summary.

Eligibility

For information about employee and family member eligibility, review the Eligibility Information page. If you have any questions, contact the Employee Services Unit (ESU) via AskESU*, 800.441.4378 or 4-ESU@travelers.com.

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. Deductions will be taken from the first two paychecks each month.

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

Related Programs & Resources

  • Condition Management: UHC offers a program that includes education and phone-based support for UHC plan participants with chronic medical conditions. For additional information about the Condition Management program, call 866.676.0740.
  • Tobacco Cessation: Enrolled employees and their dependents 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.
  • Healthy Pregnancy Program: UHC provides prenatal care support programs for pregnant members. This program helps members have the healthiest birth — and healthiest baby — possible. UHC members receive a $50 retail gift certificate for completing the program. To participate, call the UHC Healthy Pregnancy Programs at 800.411.7984.

How to Enroll

Access the How to Enroll page for enrollment instructions.

Note: 2012 Annual Benefits Enrollment ends at 7 p.m. CT on Friday, November 4, 2011.

 

* This link is accessible only to employees logged into Travelers secure network.