Medical Plans
2022 Medical Plan Options
NYU provides comprehensive medical coverage for you and your family. You may choose from the following UnitedHealthcare (UHC) medical plan options:
- UHC Choice Plus Value Point of Service Plan
- UHC Choice Plus Advantage Point of Service Plan
- UHC High Deductible Health Plan (HDHP) with Health Savings Account (HSA)
* IMPORTANT: Eligible expenses are determined based on 190% of the published rates allowed by the Centers for Medicare and Medicaid Services (CMS) for Medicare for the same or similar service within the geographic market. Only the Medicare allowed amounts apply toward the deductible and out-of-pocket maximums. Any charges over the Medicare allowed amounts do not accumulate toward the deductible or out-of-pocket maximum. Your total out-of-pocket cost may include provider charges that are above the plan’s 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.
Tier 1: Base Salary Under $50,000 |
UHC Value |
UHC Advantage |
UHC HDHP + HSA |
Employee | $19 |
$61 |
$30 |
Employee + Spouse / Domestic Partner | $159 | $272 | $126 |
Employee + Child(ren) | $142 | $248 | $115 |
Employee + Spouse / Domestic Partner + Child(ren) | $227 | $387 | $180 |
Tier 2: Base Salary $50,000 - $74,999 |
UHC Value |
UHC Advantage |
UHC HDHP + HSA |
Employee | $68 |
$119 |
$54 |
Employee + Spouse / Domestic Partner | $243 | $368 | $172 |
Employee + Child(ren) | $220 | $334 | $155 |
Employee + Spouse / Domestic Partner + Child(ren) | $345 | $529 | $248 |
Tier 3: Base Salary $75,000 - $124,999 |
UHC Value |
UHC Advantage |
UHC HDHP + HSA |
Employee | $118 |
$178 |
$83 |
Employee + Spouse / Domestic Partner | $345 | $492 | $230 |
Employee + Child(ren) | $315 | $450 | $208 |
Employee + Spouse / Domestic Partner + Child(ren) | $497 | $703 | $327 |
Tier 4: Base Salary $125,000 - $174,999 |
UHC Value |
UHC Advantage |
UHC HDHP + HSA |
Employee | $158 |
$220 |
$104 |
Employee + Spouse / Domestic Partner | $473 | $641 | $300 |
Employee + Child(ren) | $427 | $582 | $272 |
Employee + Spouse / Domestic Partner + Child(ren) | $677 | $916 | $426 |
Tier 5: Base Salary $175,000 + |
UHC Value |
UHC Advantage |
UHC HDHP + HSA |
Employee | $200 |
$262 |
$130 |
Employee + Spouse / Domestic Partner | $542 | $726 | $332 |
Employee + Child(ren) | $489 | $657 | $300 |
Employee + Spouse / Domestic Partner + Child(ren) | $773 | $1,036 | $474 |
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 (Google Doc) 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.
Tip: 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 significantly lower payroll deductions than the other medical plan options.