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The medical program provides the framework for good health and well-being. Three plans are offered through UMR, a UnitedHealthcare (UHC) Company — the Preferred plan, the Point of Service (POS) plan, and the Health Reimbursement Account (HRA) plan.
All of the plans include MIHS facilities, such as Maricopa Medical Center (MMC), Comprehensive Health Center (CHC) and Family Health Centers (FHC), and providers that are a part of UnitedHealthcare’s network.
The New Preferred Plan, MIHS's most affordable plan offers low cost premiums and reduced copays all while receiving your care at MIHS. For certain situations and with prior authorization, the plan provides UMR Network coverage if there is no MIHS provider available. You are encouraged to select a Primary Care Physician (PCP). The POS plan has a large network of providers and gives the employee freedom to use out-of-network providers at a reduced benefit level.
The HRA plan provides employees the freedom to manage the cost of their care while offering a larger network of providers, which includes out-of-network services at a reduced benefit level.
MIHS funds the HRA plan with an initial $600 dollars for individual coverage and $1,200 for employee plus one or more dependents. Unused MIHS funds roll-over to the next plan year to a maximum account balance of $1,200 single and $2,400 family coverage. Note: Rollover maximum may change at the beginning of any plan year without prior notice. For more information, please read 2015- 2016 Benefit Guide
Dental - EDS
You select a Primary Care Dentist from the EDS network for your family. The Employers Dental Services (EDS) Plan is a prepaid dental plan that offers the convenience of a fixed copayment schedule for utilizing the plan’s contracted DHMO providers and facilities.
Dental - MetlLife
The MetLife Dental Plan gives you the freedom to choose either a participating dentist or an out-ofnetwork dentist. There are considerable cost savings when using a dentist who is in the MetLife PDP network.
The UnitedHealthcare Vision Plan provides you and your family with quality vision benefits at an affordable cost.
Your UnitedHealthcare vision plan makes it easy to maintain good eyesight and healthy eyes, and save money while you are at it. Your plan offers you the flexibility to use any provider you choose, but typically the best overall savings are available at network locations. Visiting a network location also gives you the opportunity to take advantage of eyewear discounts on options like lens upgrades. Your vision plan allows you to pick the provider that matches your lifestyle and eye care needs.
UnitedHealthcare offers a diverse vision network of more than 60,000 access points nationally. This includes both private practice and leading retail chain providers including: Costco, Walmart, Sam’s Club, American’s Best Contacts, EyeGlass World, Visionworks, Nationwide and many more.
When you call to schedule an appointment with our vision network provider, simply tell them that you have vision insurance with UnitedHealthcare. You don’t even need a vision ID card for your appointment. You only need to give the staff your name and date of birth—it’s that simple!
The network provider will verify your benefits. If you’d like to print a vision ID card, visit myuhcvision.com, log on, and choose “Print ID Card.” This will generate a PDF document called “How to Use Your Vision Care Benefits.” More...
STD / Critical Illness / Accident Plan
Because none of us can see into the future, MIHS offers supplemental benefit products to assist us when the unexpected happens. Benefits offered through Continental American Insurance Company (CAIC), are supplemental products, which offer the following benefits;
- Short-Term Disability offers replacement income at 60% of our base pay up to a maximum of $2500 per week for up to 26*-weeks if we become disabled due to injury or illness. *Please note the plan does not covered work related injuries or illnesses.
- Accident Insurance brings relief to employees and their dependants by paying a fixed amount for injuries that may occur at work or at home. Please see the CAIC brochure for examples of the types of injuries and the payments associated with the injury.
- Critical Illness coverage offer relief to employees and their covered dependants for major illnesses. Please see the CAIC brochure for a complete list of diseases covered.
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