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

3. Understanding your costs
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.
Some health insurance terms can be unfamiliar or hard to understand. Let’s go over a few key terms that will help you understand how you plan works.
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. Understanding your costs
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
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.
You can also use our easy-to-use tools to see what a treatment or procedure typically costs, [estimate costs of prescriptions] and see what your share of expenses may be.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

5. Choice Plan Choice Plus Plan Select Plan
Plan Choice Options
BENEFITS
Your plan choices
Choice Plan
Choice Plus Plan
Select Plan 1 2
Presenter Note: Update options with offered plan names, eliminate unnecessary options
As an overview, you are being offered the following plans from UnitedHealthcare. 3
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

6. Your medical plan 1 Plan Benefit Chart Plan 1 BENEFITS
NO REFERRALS REQUIRED
OUT-OF-NETWORK COVERAGE
NATIONWIDE NETWORK
NO PCP REQUIRED
PHARMACY BENEFITS
Plan 1
Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points.
Here’s a quick glance on what your plan provides.
You can see any health care provider including specialists in our nationwide network, without a referral
You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you.
You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals
Your plan includes coverage for prescription medications
Now let’s address compare the costs of each plan.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

7. Your medical plan choices
2 Plans Benefit Chart
BENEFITS
Your medical plan choices
NO REFERRALS REQUIRED
OUT-OF-NETWORK COVERAGE
NATIONWIDE NETWORK
NO PCP REQUIRED
PHARMACY BENEFITS
Plan 1
Plan 2
Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points.
Here’s a quick glance on your plan options.
You can see any health care provider including specialists in our nationwide network, without a referral
You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you.
You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals
Your plan includes coverage for prescription medications
Now let’s address compare the costs of each plan.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

8. Your medical plan choices
3 Plans Benefits Chart
BENEFITS
Your medical plan choices
NO REFERRALS REQUIRED
OUT-OF-NETWORK COVERAGE
NATIONWIDE NETWORK
NO PCP REQUIRED
PHARMACY BENEFITS
Plan 1
Plan 2
Plan 3
Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points.
Here’s a quick glance on your plan options.
You can see any health care provider including specialists in our nationwide network, without a referral
You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you.
You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals
Your plan includes coverage for prescription medications
Now let’s address compare the costs of each plan.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

9. Your medical plan choices
4 Plans Benefit Chart
BENEFITS
Your medical plan choices
NO REFERRALS REQUIRED
OUT-OF-NETWORK COVERAGE
NATIONWIDE NETWORK
NO PCP REQUIRED
PHARMACY BENEFITS
Plan 1
Plan 2
Plan 3
Plan 4
Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points.
Here’s a quick glance on your plan options.
You can see any health care provider including specialists in our nationwide network, without a referral
You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you.
You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals
Your plan includes coverage for prescription medications
Now let’s address compare the costs of each plan.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

10. Your medical plan choices
5 Plans Benefit Chart
BENEFITS
Your medical plan choices
NO REFERRALS REQUIRED
OUT-OF-NETWORK COVERAGE
NATIONWIDE NETWORK
NO PCP REQUIRED
PHARMACY BENEFITS
Plan 1
Plan 2
Plan 3
Plan 4
Plan 5
Presenter Note: Select the table with the appropriate number of plans. Update options with offered plan names add/move check marks as needed. Select appropriate talking points.
Here’s a quick glance on your plan options.
You can see any health care provider including specialists in our nationwide network, without a referral
You’ll have coverage if you see a doctor outside of the network, though it will likely be at a higher cost to you.
You have access to our nationwide network of over 850,000 health care providers and 5,600 hospitals
Your plan includes coverage for prescription medications
Now let’s address compare the costs of each plan.
Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

11. Delete this slide before distribution
This ends Chapter 2 – Medical Benefits and Cost
Please open Chapter 3 – Medical Plans
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