MEDICAL & PRESCRIPTION DRUG

Our medical plans are designed to help keep you and your family healthy and protect you from financial hardship in the event of a major injury or illness. All plans are administered by UnitedHealthcare (UHC) and include prescription drug coverage through OptumRx.

You have three Consumer Driven Health Plan (CDHP) options to choose from:

  • CDHP 90
  • CDHP 80
  • CDHP 70

Note for current members of the Traditional EPO Choice option: This plan was closed to new members in 2016, but continues to be offered to grandfathered members. If you have questions, please contact [email protected].

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Choosing the right plan

See what’s the same and what’s different and know what to consider for each plan determine which is best for you.

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Find in-network providers

Contact Information

UnitedHealthcare
myuhc.com
CHDP: 1-866-734-7670
Choice: 1-800-842-5658
Group #: 743030

How the plan works

For non-preventive medical care and prescription drugs, the deductible is the amount you pay before the plan starts to pay. Once you meet the deductible, the plan shares the cost of care with you. You’ll either pay a percentage of the cost, called coinsurance, or a fixed-rate fee, called a copay. The amount of coinsurance and copays depends on the plan you choose and the care you receive.

The out-of-pocket maximum is the most you’ll pay for covered expenses each calendar year. Your deductible, coinsurance, and copays count toward this amount. Once you reach the out-of-pocket maximum, the plan pays 100% of covered in-network and out-of-network expenses for the rest of the calendar year.

You have separate deductibles and out-of-pocket maximums for in-network and out-of-network care.

Note: Any charges by an out-of-network provider or facility above the plan’s “covered expense” amount for any particular service will not count toward your deductible or out-of-pocket maximum, and your provider or facility may balance bill you for such charges.

Important note about deductibles and out-of-pocket maximums

Both your deductible and out-of-pocket maximums reset each year. Your out-of-pocket expenses paid in the previous year do not carry over, no matter when you first enrolled.

Compare medical plans

View a quick comparison of in-network costs for each plan in the chart below. Out-of-network services will cost more, and you’ll be responsible for any charges above what is considered an allowable charge.

For more information, including out-of-network costs, view or download a detailed comparison chart. You can also view plan details in the Summary of Benefits Coverage for each plan.

To compare per pay period contributions, visit Employee Contributions.

Changes to deductibles and out-of-pocket maximums

The deductible and out-of-pocket maximum is increasing for all our medical plans in 2025. Visit 2025 Benefits Changes for details.

CDHP 90 with HSA CDHP 80 with HSA CDHP 70 Basic
Annual deductible – the amount you pay before the plan starts to pay
Individual $1,600 $2,600 $2,600
Employee + 1 or more dependents $3,200 $5,200 $5,200
Annual out-of-pocket maximum – the most you’ll pay out-of-pocket each plan year
Individual $3,000 $4,000 $4,000
Employee + 1 or more dependents $6,000 $6,850 $6,850
Contributions – the amount you pay per pay period for coverage
Employee contributions $$$ $$ $
AMCN contributions to HSA Yes Yes No
Services
Primary Care or Specialist office visit 10% coinsurance, after deductible 20% coinsurance, after deductible 30% coinsurance, after deductible
Urgent Care
Emergency room visit
Labs and x-rays
Mental health and substance abuse treatment
Inpatient Hospital Services
Outpatient Surgical Care
Physical, occupational, and speech therapy
Chiropractic therapy

Choosing the right plan for you

When deciding which medical plan is right for you, consider how much you typically use your health coverage and how you prefer to pay out-of-pocket costs, so you don’t pay more than you need.

What’s the same

  • Routine in-network preventive care is covered at 100%, so you don’t pay anything.
  • Includes in-network and out-of-network coverage, but you’ll generally pay less when you use in-network doctors and facilities.
  • You don’t need to select a primary care physician, and you don’t need a referral to see an in-network specialist.
  • You can contribute pre-tax dollars to a Health Savings Account (HSA) to help pay for eligible health care expenses.

What’s different

  • Premiums, which is the amount deducted from your paycheck for coverage.
  • The amount you pay when you get care, like deductibles, copays, coinsurance, and out-of-pocket maximums.
  • AMCN contributes to the HSA for the CDHP 90 and CDHP 80 plans; there are no employer contributions to the HSA in the CDHP 70 Basic plan. The amount AMCN will contribute to the HSA is increasing in 2025.

Things to consider for each plan

CDHP 90

The CDHP 90 with HSA has the highest per pay period cost, but the lowest deductible, coinsurance, and out-of-pocket maximum.

This plan may be best if you:

  • Tend to have more health care expenses or manage a chronic condition.
  • Cover one or more dependents.
  • Prefer to pay more per pay period, but less out-of-pocket during the year when you receive care.
  • See both in- and out-of-network providers
  • Want a company contribution to your HSA

CDHP 80

The CDHP 80 with HSA has a lower per pay period cost, but higher deductible, coinsurance, and out-of-pocket maximum.

This plan may be best if you:

  • Are generally healthy and tend to have low health care expenses.
  • Cover just yourself.
  • Prefer to pay less per pay period, even if it means you pay more out-of-pocket if you need more care than you expected.
  • Mainly see in-network providers.
  • Want a company contribution to your HSA.

CDHP 70

The CDHP 70 Basic has the lowest per pay period cost, but the highest coinsurance. It has the same deductible and out-of-pocket maximum as the CDHP 80 with HSA plan.

This plan may be best if you:

  • Are healthy and only anticipate seeking preventive care.
  • Want to pay the least amount per pay period, even if it means you pay more out-of-pocket when you get care.
  • Have savings built up in your HSA to help cover any unexpected expenses. AMCN does not contribute to the HSA under this plan.

Tax-advantaged health accounts

The following accounts allow you to set aside pre-tax money to pay for eligible health care expenses.

  • Health Savings Account (HSA): Special tax-advantaged account offered only to those enrolled in a CDHP plan and not enrolled in Medicare. AMCN contributes to your HSA if you’re enrolled in the CDHP 90 or CDHP 80 plan; AMCN does not contribute to the HSA in the CDHP 70 Basic plan.
  • Flexible Spending Account (FSA): If you or a covered spouse doesn’t have an active HSA, you have the option to contribute to the Health Care Account. If you do have an active HSA, you can’t participate in the health care FSA, per IRS rules.

Visit Tax-advantaged accounts to learn more.

Prescription drug coverage

All our medical plans include prescription drug coverage through OptumRx, UHC’s prescription drug partner.

The amount you pay for prescriptions depends on the type of drug:

  • Tier 1: lowest-cost option and typically covers generic drugs and the lowest-cost brand-name drugs.
  • Tier 2: mid-range-cost option and covers most preferred brand-name drugs.
  • Tier 3: highest-cost option and covers drugs that are usually the newest and most expensive and are considered non-preferred brand-name drugs.

Preventive drugs are not subject to the annual deductible. You pay the copay only. See which preventive drugs are covered by CDHP medical plans:

Tier 1 Tier 2 Tier 3
Up to a 31-day supply
(Retail only) 		$10 copay
(after deductible)		 $35 copay
(after deductible)		 $50 copay
(after deductible)
Up to a 90-day supply
(Mail-order or Retail) 		$20 copay
(after deductible)		 $70 copay
(after deductible)		 $100 copay
(after deductible)