[MUSIC PLAYING IN THE BACKGROUND THROUGHOUT VIDEO]

[Text On Screen – Health Plan Options, Arizona Department of Administrative Benefits, UnitedHealthcare]

[PHOTO OF A WOMAN READING ON A TABLET]

FEMALE VOICEOVER:  At UnitedHealthcare, your health is important to us,

[ANIMATION OF THE UNITEDHEALTHCARE LOGO]

and that's why we want to make sure you understand your options for the coming year.

[Text On Screen – Choosing Coverage with UnitedHealthcare]

You have two health plan options to choose from,  the Triple Choice Plan and the High Deductible Health Plan with a Health Savings Account.

[Text On Screen – Triple Choice Plan , High Deductible Health Plan]

Only the high deductible health plan is eligible for the health savings account,

[Text On Screen – High Deductible Health Plan + HSA]

and when you open your health savings account, your state agency will help fund your HSA each pay period.

[Text On Screen – Deposits based on single or family coverage]

Deposits will be based on single or family coverage.

[Text On Screen – HSA]

More on HSAs later in the video.

[Text On Screen – Triple Choice Plan, Lower deductible and copays, Higher premium]

The Triple Choice plan has a lower deductible and copays, but has a higher premium.

[Text On Screen – Triple Choice Plan, Lower deductible and copays, Higher premium, High Deductible Health Plan, Higher deductible, Lower premium]

The High Deductible Health Plan with HSA has a higher deductible with a lower premium.

[Text On Screen – Premium, Amount you pay out of paycheck]

The premium is the amount you pay out of your paycheck to have coverage.

[Text On Screen – Premium, Amount you pay out of paycheck, Deducible, Amount you spend before the plan pays]

The deductible is the amount you spend each year before your plan starts to pay.

[Text On Screen – Deductibles]

How do deductibles work?

[Text On Screen – High Deducible Health Plan with single coverage]

Let's say you choose single coverage for the High Deductible Health Plan.

[Text On Screen – High Deducible Health Plan with single coverage, One your deductible has been met, the plan with start to pay for eligible expenses]

[GRAPH OF FAMILY AND INDIVIDUAL DEDUCTIBLE]

Once your deductible has been met, the plan will start to pay for eligible expenses.

[Text On Screen – High Deducible Health Plan with family coverage, Entire family deductible has to be met before plan starts to pay]

If you choose family coverage, the entire family deductible has to be met before the plan starts to pay.

[Text On Screen – Triple Choice Plan, Tier 1, Tier 2, Tier 3]

With a Triple Choice Plan, you have three tiers to choose from.

 [Text On Screen – Triple Choice Plan, Tier 1, Tier 2, In-network coverage, Tier 3]

Tier one and tier two both offer in network coverage.

[Text On Screen – Triple Choice Plan, Tier 1, Tier 2, In-network coverage, Tier 3, Out-of-network]

Tier three is out of network.

[Text On Screen – Tier 1, Quality, cost-efficient care, Pay. Less out-of-pocket, Network hospitals, Urgent cares, Surgical centers]

Tier one providers designated with the tier one blue dot on our website deliver quality cost efficient care. You'll pay less out of pocket with tier one providers. Tier 1 providers also include network hospitals, urgent cares, and surgical centers.

[Text On Screen – Tier 1, In-network, Tier 2, In-network]

You can also choose from tier 2 in network providers.

[Text On Screen – Tier 1, In-network, Tier 2, In-network, Tier 3, Out-of-network, Limited coverage]

If you choose out of network providers, tier 3, you will have limited coverage and much higher costs.

[ANIMATION OF THE UNITEDHEALTHCARE LOGO]

[Text On Screen – Triple Choice Plan Deductibles]

Let's take a quick look at deductibles for each tier of the Triple Choice Plan.

[DATA ABOUT INDIVIDUAL VERSUS FAMILY COVERAGE AT EACH TIER]

Here's a quick comparison of the individual and family deductibles for each.

[DATA ABOUT INDIVIDUAL VERSUS FAMILY COVERAGE PER INDIVIDUAL IN A FAMILY]

The Triple Choice Plan keeps track of the individual and family deductibles. The plan starts paying for an individual once he or she meets the per person deductible. Once those per person deductibles add up to meet the family deductible, the health plan starts paying health care expenses for everyone in the family.

[Text On Screen – Triple Choice Plan Deductibles Tier 1, Tier 2]

Amounts you meet toward your tier 1 deductible apply to your tier 2 deductible, and amounts you meet toward your tier 2 deductible apply to your tier 1 deductible.

[Text On Screen – Triple Choice Plan Deductibles Tier 1, Tier 2, Tier 3, Separate deductible]

But if you choose to go out of network and utilize tier 3 benefits you will have to meet the separate tier 3 deductible.

[Text On Screen – Triple Choice Plan Deductibles, Once you meet your deducible, your copays will apply]

Once you meet your deductible, your copays will apply.

[Text On Screen – Triple Choice Plan Deductibles, Copays are the same Tier 1, Tier 2]

Copays are the same for tier 1 and tier 2 providers.

[Text On Screen – Coinsurance]

Now, let's look at coinsurance.

[GRAPH REPRESENTING COINSURANCE, OUT-OF-POCKET MAXIMUM VERSUS DEDUCTIBLE]

Coinsurance is the percentage the plan pays for covered health services once you reach your deductible, but before you reach your out of pocket maximum,

[Text On Screen – The most you’ll pay for network services during the year]

the most you'll pay for network services during the year.

[Text On Screen – High Deductible Health Plan, 10% coinsurance after meeting your deductible]

On the High Deductible Plan, you'll pay 10% for network services after meeting your deductible.

[Text On Screen – High Deducible Health Plan Triple Choice Plan, 50% coinsurance Out-of-network or Tier 4 providers]

On the High Deductible Health Plan and Triple Choice Plan, you'll pay 50% coinsurance for out of network or tier three providers.

[GRAPH REPRESENTING COINSURANCE, OUT-OF-POCKET MAXIMUM VERSUS DEDUCTIBLE]

For both plans, eligible healthcare expenses are covered at 100% once the out of pocket maximum has been met.

[ANIMATION OF THE UNITEDHEALTHCARE LOGO]

Here's a quick comparison of the out of pocket maximums for the High Deductible Health Plan and for the Triple Choice Plan.

[Text On Screen – High Deducible Health Plan, Triple Choice Plan]

[DATA COMPARING HIGH DEDUCTIBLE HEALTH PLAN VERSUS TRIPLE CHOICE PLAN IN TERMS OF OUT-OF-POCKET MAXIMUMS]

The High Deductible Health Plan comes with a health savings account, or HSA.

[Text On Screen – High Deductible Health Plan + HSA]

Think of it like a bank account that lets you put money aside, tax free, to help save and pay for eligible healthcare expenses.

[Text On Screen – Funds can be invested when you meet an account minimum]

HSA funds can be invested when you reach a certain account minimum.

[Text On Screen – Earnings or interest grow tax-free]

Any earnings or interest grow tax free. The money in the account rolls over from year to year, and it's always yours to keep,

[ANIMATIONS OF MONEY, CLOUDS, AND A HOT AIR BALLOON]

[Text On Screen – Yours to keep!]

even if you change health plans, retire, or leave service with the state of Arizona.

[Text On Screen – Pay for health care expenses, Medical, Dental, Vision, Pharmacy]

[GRAPHICS REPRESENTING MEDICAL (STETHOSCOPE), DENTAL (TOOTH), VISION (EYEGLASSES), PHARMACY (PRESCRIPTION BOTTLE)]

You can use the money in your HSA to pay for healthcare expenses you have now, that includes eligible medical, dental, vision, or pharmacy expenses,

[Text On Screen – Or save it]

or you can save the money and use it for healthcare expenses in the future, even in retirement.

[ANIMATION OF MONEY GOING INTO A PIGGY BANK]

[Text On Screen – Your state agency will help fund your HSA]

Don't forget, when you open a health savings account, your state agency will help fund your HSA each pay period.

[Text On Screen – Despoils based on single or family coverage]

Deposits will be based on single or family coverage.

[Text On Screen – You may contribute]

You may also contribute to your HSA.

[ANIMATION REPRESENTING IRS LIMITS]

Every year the IRS places limits on how much can be contributed to your health savings account.

[Text On Screen – IRS Contribution Limits]

Please consult your materials for limits this year.

[Text On Screen – Preventive care]

Now, preventive care. Both the High Deductible Health Plan and the Triple Choice Plan

[Text On Screen – High Deductible Health Plan, Triple Choice Plan]

[Text On Screen – 100% coverage For routine preventive care in the network]

offer 100% coverage for routine preventive care in the network.

[Text On Screen – Annual wellness exam, Flue shot, Mammogram]

[GRAPHICS REPRESENTING ANNUAL WELLNESS EXAM (STETHOSCOPE), FLUE SHOT (SYRINGE), MAMMOGRAM (MAMMOGRAM)]

Those are things like an annual wellness exam, a flu shot, or a mammogram, all important steps to staying healthy.

[ANIMATION OF THE UNITEDHEALTHCARE LOGO]

[ANIMATION REPRESENTING A DOCTOR]

We know there's a lot to consider when choosing the health plan that works best for you and your family.

[ANIMATION OF A CUSTOMER SERVICE REPRESENTATIVE]

If you have any questions, we're here to help.

[Text On Screen – 1.800.896.1067]

Just call this number to speak with a UnitedHealthcare Specialist.

[Text On Screen – Health Plan Options, Arizona Department of Administrative Benefits, UnitedHealthcare, State of Arizona 1.800.896.1067 uhcvirtual.com/stateofaz, This video includes general information about your medical benefits plan. This summary is not a plan document under which the plan is maintained and administered. Any discrepancies between the information and your plan documents will be governed by the plan documents.]

[END MUSIC]