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Unity Health Plans: A Comparison

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2013 Bi-Weekly Health Insurance Costs

  Unity Basic Plan
Unity Enhanced Plan
Full-time (35-40 hrs/week Employee $54.61 $86.50
Employee and Spouse/ Domestic Partner $116.60 $193.53
Employee and Child  $116.60  $193.53
Employee and Children  $127.22 $210.86
Family $133.86 $220.32
Part-time (20-34 hrs/week) Employee $87.45  $141.67
Employee and Spouse/ Domestic Partner $192.83  $323.62
Employee and Child $192.83 $323.62
Employee and Children $210.88 $353.08
Family $222.18 $369.16

Premiums are taken from your paycheck before taxes in most cases, meaning the portion of your pay that goes toward the cost of health insurance is not taxed. In addaccording to IRS rules, the amount Unity pays toward the cost of domestic partner benefits is considered part of your taxable income.

Annual Deductible and Out-of-Pocket Maximum Amounts
  Unity Basic Plan Unity Enhanced Plan
Individual Deductible

$400
$200 for Unity-employed doctors and services

No deductible for
in-network services
Family Deductible

$1,200
$600 for Unity-employed doctors and services

No deductible for
in-network services
Individual Out-of-Pocket Maximum

$1,200
$600 for Unity-employed doctors and services

No out-of-pocket maximum for
in-network services
Family Out-of-Pocket Maximum

$3,600
$1,800 for Unity-employed doctors and services

No out-of-pocket maximum for
in-network services
Coverage
Adult Annual Physical No co-pay No co-pay
Adult Preventive Care such as immunizations, mammograms, routine OB/GYN, prostate screening, colonoscopy No co-pay No co-pay
Well-Child Visits No co-pay No co-pay
Adult Physician Office/Sick Visits

$30 co-pay
No co-pay for a Unity-employed doctor

$25 co-pay
No co-pay for a Unity-employed doctor

Child Primary Care Sick Visits
$30 co-pay
No co-pay for a Unity-employed doctor
No-copay
Specialist (Adults and Children)

$50 co-pay
No co-pay for a Unity-employed doctor

$40 co-pay
No co-pay for a Unity-employed doctor

Prescription Drugs

Tier 1: $10/$5 at Unity pharmacy
Tier 2: $40/$15 at Unity pharmacy
Tier 3: $70/$25 at Unity pharmacy
Mail order Rx: 2 co-pays for 90 day supply

Tier 1: $10/$5 at Unity pharmacy
Tier 2: $30/$15 at Unity pharmacy
Tier 3: $50/$25 at Unity pharmacy
Mail order Rx: 2 co-pays for 90 day supply

Diabetes Medication and Supplies No-copay No-copay
Routine Vision Care
(Adults and Children over 19)
$30 co-pay once every two years $25 co-pay once per year
Eyewear
(Adults and Children over 19)
$60 allowance once every two years $60 allowance once every two years
Routine Vision Care
(Children 19 and under)
$30 co-pay for one exam per year

No co-pay for one exam per year

Eyewear (Children 19 and under) $60 allowance annually $60 allowance annually
Emergency Care

$300 co-pay unless admitted to hospital within 24 hours
$100 co-pay for children <age 19
No co-pay for Unity’s
Emergency Center

$200 co-pay unless admitted to hospital within 24 hours
$75 co-pay for children <age 19
No co-pay for Unity’s
Emergency Center

Urgent Care

$75 co-pay
No co-pay for Unity’s
Walk-In Care Center

$40 co-pay
No co-pay for Unity’s
Walk-in Care Center

X-Rays

80% after deductible
90% after deductible for
Unity services

$40 co-pay
No co-pay for Unity services

Diagnostic Lab & Pathology

80% after deductible
90% after deductible for
Unity services

$25 co-pay
No co-pay for ACM Medical Laboratory
Maternity Hospital Care/
Newborn Nursery

80% after deductible
90% after deductible for
Unity services

Prenatal & postpartum care: covered in full
Hospital for mother: $300 co-pay, physician $300 co-pay 
Newborn nursery:
no co-pay or co-insurance
All Unity maternity doctors/services: no co-pay or co-insurance

Inpatient Hospital Care

80% after deductible
90% after deductible for
Unity services

$300 co-pay per admission
No co-pay for Unity Hospital

Mental Health/
Chemical Dependency: Outpatient

$50 co-pay per visit
No co-pay for
Unity services

$40 co-pay per visit
No co-pay for Unity-employed
doctor or service

Mental Health/
Chemical Dependency: Inpatient

80% after deductible
90% after deductible for
Unity services

$300 co-pay for admission
No co-pay for Unity services

Lifestyle Allowance: Reimbursement for healthy activities such as fitness club memberships and excercise classes.
Click here for details.
$250 total annual reimbursement $500 total annual reimbursement
Dependent Coverage To age 26 To age 26