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Medical Plans

Medical Plans: Comprehensive coverage for you and your family.

2018 Medical Plan Options

NYU provides comprehensive medical coverage for you and your family. You may choose from the following medical plan options:

  • UnitedHealthcare Choice Plus Value Point of Service Plan
  • UnitedHealthcare Choice Plus Advantage Point of Service Plan
  • UnitedHealthcare High Deductible Health Plan (HDHP) with Health Savings Account (HSA)

To view plan coverage, check claim status, search for a provider, and print a temporary ID card, visit UnitedHealthcare’s website. First time users will need the member ID number from their UHC ID card to register for access.

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Key Features Value Plan Value Plan Advantage Plan Advantage Plan HDHP + HSA HDHP + HSA
  In-network
Out-of-network*
In-network Out-of-network* In-network Out-of-network*
Deductible (The amount you pay for services before the plan begins paying benefits.)

Individual $500

Family $1,000

Individual $2,600

Family $5,200

Individual $400

Family $800

Individual $2,600

Family $5,200

Individual $1,600**

Family $3,200**

Individual $1,600**

Family $3,200**

Primary Care Doctor's Office Visit (other than routine physical) $30 copay 50% after deductible $30 copay 40% after deductible 10% after deductible is met*** 30% after deductible is met***
Specialist Office Visit $40 copay 50% after deductible $40 copay 40% after deductible 10% after deductible is met*** 30% after deductible is met***
Coinsurance (Your portion after you meet the deductible. Coinsurance does not apply to services with copays.) 20% 50% 10% 40% 10% 30%
Out-of-Pocket Maximum (The most you pay each calendar year for covered services; includes deductibles.)

Individual $3,500

Family $6,000

Individual $8,000

Family $15,000

Individual $2,000

Family $5,000

Individual $8,000

Family $15,000

Individual $3,000

Family $6,000

Individual $5,000

Family $10,000

Emergency Room $75 copay $75 copay $75 copay $75 copay 10% after deductible 10% after deductible

* IMPORTANT: Reasonable and Customary (R&C) out-of-network charges are the maximum charges that the plan will consider for a particular service in a particular area when you use an out-of-network provider. R&C limits are generally determined by geography, as charges can vary for the same service in different parts of the country. Your total out-of-pocket cost may include provider charges that are above the plan’s R&C allowance.

** One or more family members combined must meet the entire deductible that applies for family coverage before the Plan begins paying non-preventive care benefits, including prescription drug benefits.

*** Until the combined medical and prescription drug deductible is met, you will pay the full cost of your non-preventive medical expenses and non-preventive prescription drug expenses. Preventive drugs on the CVS/Caremark Preventive Drug Therapy List are not subject to the deductible. Coinsurance of 10% will apply.

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2018 Medical Plan Contributions

Monthly medical plan contributions are based on the plan you choose, the level of coverage, and your annual base salary. The University pays the majority of the cost of health care coverage for all eligible employees.  

Tier 1: Base Salary Under $50,000
UHC Value   UHC Advantage
UHC HDHP + HSA  
Employee $16 $52
$27
Employee + Spouse / Domestic Partner $141 $232 $118
Employee + Child(ren) $126 $211 $108
Employee + Spouse / Domestic Partner + Child(ren) $201 $330 $169
Tier 2: Base Salary $50,000 - $74,999
UHC Value   UHC Advantage
UHC HDHP + HSA  
Employee $60 $101
$50
Employee + Spouse / Domestic Partner $214 $314 $161
Employee + Child(ren) $195 $285 $146
Employee + Spouse / Domestic Partner + Child(ren) $306 $450 $232
Tier 3: Base Salary $75,000 - $124,999
UHC Value   UHC Advantage
UHC HDHP + HSA  
Employee $104 $151
$78
Employee + Spouse / Domestic Partner $306 $420 $216
Employee + Child(ren) $278 $383 $195
Employee + Spouse / Domestic Partner + Child(ren) $440 $600 $307
Tier 4: Base Salary $125,000 +
UHC Value   UHC Advantage
UHC HDHP + HSA
Employee $140 $188
$97
Employee + Spouse / Domestic Partner $419 $547 $281
Employee + Child(ren) $378 $496 $255
Employee + Spouse / Domestic Partner + Child(ren) $599 $780 $400

Decision Support Tool

The Decision Support Tool available through the Benefits Resource Center can be used to help you identify the plan that best fits your needs. When you arrive at the medical enrollment screen, a pop-up window will open that will ask if you would like help choosing the plan that is right for you. See the step-by-step instructions (PDF) on how to best utilize the Decision Support Tool.

You may also call Health Advocate at 866-695-8622 to review your benefit options with a Health Advocate representative.

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Summaries of Benefits & Coverage (SBCs)

Summary Plan Descriptions (SPDs)

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Consider HDHP + HSA Plan

The consumer-driven health plan offered by NYU, the High Deductible Health Plan (HDHP) with Health Savings Account (HSA), provides 100% coverage of eligible in-network preventive care services and lower payroll deductions than the other medical plan options (approximately 40% less than the UHC Advantage Plan).