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Unity Health Plans

Two health insurance plans are available to benefit-eligible team members:

  • Unity Basic Health Plan 
  • Unity Enhanced Health Plan
2015 Health Plans  >>

What You Get with Either Plan

  • Coverage for your spouse or domestic partner and children up to age 26
  • Access to Rochester Regional Health System Network and BlueCross BlueShield PPO Network of providers
  • Lower out-of-pocket costs when using Rochester Regional Health System Providers --- effective 1/1/15: Domestic Network has expanded to include all Rochester Regional Health System providers. See the RRHS Network Provider List.
  • Same lower, domestic out-of-pocket costs for children up to age 19 when seeing any provider within the BlueCross BlueShield PPO Network  
  • No requirement to select a primary care physician or obtain referrals for specialists
  • 3-tier prescription drug benefit, with lower prices at a Rochester Regional Apothecaries
  • An annual out-of-pocket maximum per individual and family. Once this has been reached, the Plan will pay 100% of remaining covered services for the rest of the calendar year.
  • No cost for many preventive services and screenings, no cost “well child visits”
  • Annual “Healthy Lifestyle Reimbursement," up to $500 to use for a wide range of wellness activities and services, such as gym membership and weight management programs
  • "Creditable" prescription coverage under Medicare Part D guidelines

How to Choose

Either plan might provide the best coverage and value for you and your family, depending on the services you use.

  • Compare the plans’ premiums and out-of-pocket costs for services you typically use. Use the Health Plan Comparison Worksheet in the Health Plan Reference Guide 
  • Visit Excellus BCBS’s Healthcare Advisor, an online tool that provides information on health conditions and treatment option and compares costs of procedures and medications.
  • To reach the tool, click “Get Started Now” and log in or register. You’ll need your insurance ID number to register for the first time. 

Health Plan FAQs

How do I request a replacement insurance ID card?
Who can I cover on my health insurance?
Do I have to submit eligibility documentation for my dependents?
What doctors can I see with Unity’s health plans?


How do I request a replacement insurance ID card?

For lost cards, contact customer service at 1-877-668-7636.   

To request additional cards for covered family members, contact customer service, OR go to www.excellusbcbs.com/unity (must have subscriber id # for this service).

Note regarding health and dental insurance cards - dependent names do not appear on ID cards, they are printed with member names only. 

Who can I cover on my health insurance?

You may insure yourself, your legal spouse or domestic partner, children up to age 26 and disabled adult dependent children (if approved). Eligible children can include your children by birth, adoption and legal guardianship, stepchildren, foster children, and children of your domestic partners. Special rules apply to enrollment of domestic partners and the children. Click here for more information. 


Do I have to submit eligibility documentation for my dependents?

Yes, if you are enrolling them for the first time. Click here for more information. If your dependent is already enrolled, there is no need to submit additional documents.

 What doctors can I see with Unity’s health plans?

You can see any doctor you would like, although you’re out-of-pocket cost for services will be lower when you see a provider within the Rochester Regional Health System (RRHS) Network.

The Unity Health Plans include three tiers, or levels, of coverage:
Tier 1:  Rochester Regional Health System Network
Tier 2:  Excellus BCBS PPO Network
Tier 3:  Out-of-Network

The Rochester Regional Health System Network includes Newark Wayne Community Hospital, Rochester General Hospital, Unity Hospital, all Rochester Regional Health System providers and selected affiliates.  When you use the Rochester Regional Health System (RRHS) Network, you will have lower out-of-pocket costs for services. 
>>> Rochester Regional Health System Provider List

Providers who are not part of the Rochester Regional Health System Network, but have contracted with BlueCross BlueShield are recognized as part of Excellus BlueCross BlueShield PPO Network. When you choose to see providers within the Excellus BlueCross BlueShield PPO network who do not participate in the RRHS Network, you will typically pay a higher out-of-pocket cost for services. 
>>> Search the Excellus BlueCross BlueShield PPO Network (Click on “Upstate New York Provider Network” and choose Excellus BluePPO Network from the drop-down menu.)

Out-of-Network providers are not participating in the Rochester Regional Health System Network OR the BlueCross BlueShield PPO Networks and require the highest out-of-pocket cost for services. You may occasionally want or need to see a doctor that is not part of the Rochester Regional Network OR BlueCross BlueShield PPO Networks, in which case you will be required to meet a deductible before services are eligible for coverage. 

Resources

2015 Basic Plan Summary
2015 Enhanced Plan Summary

2015 Health Plan Comparison
2015 Health Reference Guide