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Selecting the right medical plan takes careful consideration. For most full-time employees, the Company offers medical plan options through United Healthcare (UHC); these plans include pharmacy benefits through OptumRx. Qualified Essential Coverage (QEC) eligible part-time employees may enroll in the Health Savings Plan.
You have 24/7 access to your UHC account information at www.myuhc.com. You can also use the site to find medical and pharmacy providers, place orders with the Mail Service Pharmacy, request new cards and print temporary cards. If you haven’t signed up already, create your account today.
Recently hired or promoted to full-time? Learn more about your coverage choices through the Company’s plans through UHC below and via our Pre-Member Website.
With either plan option, in-network preventive care is usually covered with no cost sharing, including well child, routine physicals, OB/GYN exams, mammograms and prostate exams. Costs will only be incurred if additional non-preventive lab work is requested. Also, many prescription medications are considered preventive and are also covered with no cost sharing. Call the member number on your Medical Plan ID card to find out which preventive medications and services are covered at no cost.
Medical Plan Choice | UHC Choice Plus/Options Plan Full-Time Only |
UHC Health Savings Plan Full-Time and QEC |
||
---|---|---|---|---|
Company Contribution to Your HSA | ||||
Individual/Family | (Does not apply) | $500/$1,000 ∑ | ||
Annual Deductible | In-Network | Out-of-Network ∆ | In-Network | Out-of-Network ∆ |
Individual/Family | $700/$2,100 | $2,000/$5,000 | $2,000/$4,000 Ω | $4,000/$8,000 Ω |
Maximums | ||||
Out-of-Pocket: Individual/Family | $3,500/$7,000 | $7,000/$16,000 | $3,500/$7,000 | $7,000/$14,000 |
Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
Co-pays: | ||||
Preventive Care | ||||
Routine physicals, immunizations, and more! | 100% | Not Covered | 100% | Not Covered |
Get rewarded for your Annual Physical! See the Physician Affidavit form | ||||
Physician’s Services: Sickness and Injury | ||||
Virtual Visit – Medical – via myuhc.com | FREE | N/A | 80%* | N/A |
Physician Office Visit | $20/visit | 60%* | 80%* | 60%* |
Specialist Office Visit | $40/visit | 60%* | 80%* | 60%* |
Mental Health / Substance / Addiction | ||||
Virtual Visit – Telemental Health – via myuhc.com | $20/visit | 60%* | 80%* | 60%* |
Inpatient | 80%* | 60%* | 80%* | 60%* |
Outpatient | $20/visit | 60%* | 80%* | 60%* |
Emergency Care | ||||
Urgent Care | $40/visit | 60%* | 80%* | 60%* |
Emergency Room | $200 | $200 | 80%* | 80%* |
Tests | ||||
Lab, X-Ray and Major Diagnostics (CT, PET, MRI, MRA and Nuclear Medicine) – Outpatient | 80%* | 60%* | 80%* | 60%* |
Hospital Care | ||||
Inpatient / Outpatient Care and Surgery | 80%* | 60%* | 80%* | 60%* |
Maternity Care | ||||
Prenatal Visit | $40 first visit; $0 after | 60%* | 80%* | 60%* |
Postnatal Visits/Surgery | 80%* | 60%* | 80%* | 60%* |
Specialty Care | ||||
Acupuncture (max 20 visits per year) | $40/visit | 60%* | 80%* | 60%* |
* = After deductible
∑ = The Company funds your HSA on the day Medical Benefits go into effect.
Ω = The Health Savings Plan requires the FULL family deductible (e.g. $4,000 for in network) be met if you have enrolled any dependents.
∆ = When you receive out-of-network care, the plan covers its percentage up to the Reasonable and Customary (R&C) limit after you satisfy the Annual Deductible. You pay the remaining percentage up to the R&C limit plus any amount above the R&C limit.
Summary of group health benefits – 2021
Summary of group health benefits – 2022
All United Health Care medical plans offer virtual visits. Please review the virtual visits tab for more information.
Visit our UHC Pharmacy Copay page for cost comparisons.
Consider home delivery for your 90-day prescriptions; it’s easy to get started! Request a prescription from your doctor for a three-month supply, with refills for up to one year (if appropriate), then contact OptumRx to fill your prescription.
To link to the Machine-Readable Files, please click on the URL provided: transparency-in-coverage.uhc.com
Selecting the right medical plan takes careful consideration. For full-time Michigan employees, the Company offers medical plan options through Blue Cross Blue Shield (BCBS) of Arizona; these plans include pharmacy benefits through Express Scripts. Qualified Essential Coverage (QEC) eligible part-time employees may enroll in the Health Savings Plan.
You have 24/7 access to your BCBS account information at: www.mybenefitshome.com. You can also use the site to find medical and pharmacy providers, place mail orders for prescriptions, request new cards and print temporary cards. If you haven’t signed up already, create your account today.
With either plan option, in-network preventive care is usually covered with no cost sharing, including well child, routine physicals, OB/GYN exams, mammograms and prostate exams. Costs will only be incurred if additional non-preventive lab work is requested. Also, many prescription medications are considered preventive and also covered with no cost sharing. Call the member number on your Medical Plan ID card to find out which preventive medications and services are covered at no cost.
Medical Plan Choice | BCBS PPO Blue Plan Full-Time Only |
BCBS Health Savings Plan Full-Time and QEC |
||
---|---|---|---|---|
Company Contribution to Your HSA | ||||
Individual/Family | (Does not apply) | $500/$1,000 ∑ | ||
Annual Deductible | In-Network | Out-of-Network ∆ | In-Network | Out-of-Network ∆ |
Individual/Family | $700/$2,100 | $2,000/$5,000 | $2,000/$4,000 Ω | $4,000/$8,000 Ω |
Maximums | ||||
Out-of-Pocket: Individual/Family | $3,500/$7,000 | $7,000/$16,000 | $3,500/$7,000 | $7,000/$14,000 |
Lifetime Maximum | Unlimited | Unlimited | Unlimited | Unlimited |
Co-pays: | ||||
Preventive Care | ||||
Routine physicals, immunizations, and more! | 100% | Not Covered | 100% | Not Covered |
Get rewarded for your Annual Physical! See the Physician Affidavit form | ||||
Physician’s Services: Sickness and Injury | ||||
Virtual Visit – Medical – via mybenefitshome.com | FREE | N/A | 80%* | N/A |
Physician Office Visit | $20/visit | 60%* | 80%* | 60%* |
Specialist Office Visit | $40/visit | 60%* | 80%* | 60%* |
Mental Health / Substance / Addiction | ||||
Virtual Visit – Telemental Health – via mybenefitshome.com | $20/visit | 60%* | 80%* | 60%* |
Inpatient | 80%* | 60%* | 80%* | 60%* |
Outpatient | $20/visit | 60%* | 80%* | 60%* |
Emergency Care | ||||
Urgent Care | $40/visit | 60%* | 80%* | 60%* |
Emergency Room | $200 | $200 | 80%* | 80%* |
Tests | ||||
Lab, X-Ray and Major Diagnostics (CT, PET, MRI, MRA and Nuclear Medicine) – Outpatient | 80%* | 60%* | 80%* | 60%* |
Hospital Care | ||||
Inpatient / Outpatient Care and Surgery | 80%* | 60%* | 80%* | 60%* |
Maternity Care | ||||
Prenatal Visit | $40 first visit; $0 after | 60%* | 80%* | 60%* |
Postnatal Visits/Surgery | 80%* | 60%* | 80%* | 60%* |
Specialty Care | ||||
Acupuncture (max 20 visits per year) | $40/visit | 60%* | 80%* | 60%* |
* = After deductible
∑ = The Company funds your HSA on the day Medical Benefits go into effect.
Ω = The Health Savings Plan requires the FULL family deductible (e.g. $4,000 for in network) be met if you have enrolled any dependents.
∆ = When you receive out-of-network care, the plan covers its percentage up to the Reasonable and Customary (R&C) limit after you satisfy the Annual Deductible. You pay the remaining percentage up to the R&C limit plus any amount above the R&C limit.
All United Health Care medical plans offer virtual visits. Please review the virtual visits tab for more information.
Visit our BCBS Pharmacy Copay page for cost comparisons.
Consider mail order through Express Scripts for your 90-day prescriptions
Express Scripts manages the home delivery pharmacy benefit for BCBS. Home delivery is a great option for maintenance medications – those you need on a long-term basis – for which your doctor can provide a 90-day prescription. (You should still use a retail pharmacy for medications you take on a short-term basis, such as antibiotics.)
To link to the Machine-Readable Files, please click on the URL provided: mrfdata.hmhs.com
A virtual visit – Medical or Telemental Health – lets you see and talk to a doctor from your mobile device or computer. UnitedHealthcare and Blue Cross Blue Shield offer virtual visits as a provider choice for Discount Tire employees enrolled in medical benefits.
You have a choice of different provider groups depending on your plan’s virtual visit network. The cost of your visit will vary depending on your plan and whether the visit is Medical or Telemental Health. Check your plan documents (above) for more information about you plan’s specific costs.
Virtual Visits – Medical – for sickness or injury
Virtual Visits – Telemental Health – for behavioral health
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