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Unity Health Plans: A Comparison

To download this chart click here.

Bi-Weekly Health Insurance Costs
  Unity Basic Plan Unity Enhanced Plan
Full-time (35-40 hrs/week Employee $44.05 $74.00
Employee and Spouse/ Domestic Partner $102.26 $174.50
Employee and Child $102.26 $174.50
Employee and Children $112.23 $190.77
Family $118.47 $199.65
Part-time (20-34 hrs/week) Employee $74.89 $125.80
Employee and Spouse/ Domestic Partner $173.84 $296.65
Employee and Child $173.84 $296.65
Employee and Children $190.79 $324.31
Family $201.40 $339.40

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. However, the IRS requires premiums for coverage of domestic partners and their children to be taken from your taxable income. In addition, according to IRS rules, the amount Unity pays toward the cost of domestic partner benefits is considered part of your taxable income.

Deductibles and Out-of-Pocket Maximums
  Unity Basic Plan Unity Enhanced Plan
Annual Individual Deductible

$300
$200 for Unity-employed doctors and services

No deductible
Annual Family Deductibles

$900
$600 for Unity-employed doctors and services

No deductible
Annual Individual Out-of-Pocket Maximum

$900
$600 for Unity-employed doctors and services

No out-of-pocket maximum
Annual Family Out-of-Pocket Maximum

$2,700
$1,800 for Unity-employed doctors and services

No out-of-pocket maximum
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 Primary Care

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

$20 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

Prescriptions

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 $20 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 once every year

$0 co-pay once every year

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

$250 co-pay unless admitted to hospital within 24 hours
No co-pay for Unity’s Emergency Center

$150 co-pay unless admitted to hospital within 24 hours
No co-pay for Unity’s Emergency Center

Urgent Care

$50 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

Lab Work

80% after deductible
90% after deductible for Unity services

No co-pay
Maternity Hospital Care/Newborn Nursery

80% after deductible
90% after deductible for Unity services

Physician: 20% co-insurance or $200 co-pay, whichever is less
Hospital for mother: $250 co-pay per admission
Newborn nursery: no co-pay or co-insurance
No co-pay or co-insurance for Unity-based maternity doctors and services..

In-patient hospital care

80% after deductible
90% after deductible for Unity services (note: anesthesia is charged at 80%)

$250 co-pay per admission
No co-pay for Unity hospital

Mental health/chemical dependency: Outpatient

80% after deductible
90% after deductible for Unity services

$40 co-pay per visitNo co-pay for Unity-employed doctor or service

Mental Health/chemical dependency: Inpatient

80% after deductible
90% after deductible for Unity services

$250 co-pay for admissionNo co-pay for Unity services

Lifestyle Allowance: Reimbursement for fitness club memberships; yoga and exercise classes; weight management and nutrition programs; hearing aids; orthotics; Lasik surgery and more. Click here for details. $250 total annual reimbursement $500 total annual reimbursement
Dependent Coverage To age 26 To age 26

*Refers to the percentage paid by Health Plan after employee has met the Plan deductible.

Click here for more information on the Basic Health Plan. Click here for more information on the Enhanced Health Plan.