UnitedHealthcare (UHC) will replace both Aetna and Humana as our medical plan vendor on Jan. 1, 2016.
After evaluating several medical plan vendors to make sure we have the best partner, we appreciate that UHC recognizes the relationship between health care quality and successful outcomes. We also liked that UHC provides cost and quality tools to help you make personally appropriate health care choices.
Although the change happens in January, here are five things you should do now to prepare.
1. See if your doctor is in the new network.
One of the largest provider networks in the country, the UHC Choice Plus network reaches 99% of the U.S. population. Most of you will find that your current provider is in the network. To check, search the directory at welcometouhc.com/rockwellautomation.
2. Apply for Transition of Care benefits, if needed.
If your doctor is not in the Choice Plus network, you’re receiving treatment for a medical condition, such as second- or third-trimester pregnancy, treatment for cancer, or acute treatment of a stroke or heart attack, and that treatment will continue into 2016, you might be eligible for the Transition of Care program. This program lets you continue treatment with your current doctor in 2016 (for a period of time) and receive in-network benefits while UHC helps you transition to a UHC network provider. To learn more or apply, visit UHC’s pre-member website.
3. Know what happens to your HRA if you’re enrolled in the HRA option.
UHC will start administering the Health Reimbursement Account (HRA) in January. As a result:
- Rockwell Automation’s contributions for 2016 will be made to your HRA administered by UHC.
- Your 2015 HRA balance will roll over to UHC by the beginning of April. In January and February, Humana or Aetna will continue to use your current HRA to pay any remaining claims from 2015. After February, Aetna or Humana will send a report to UHC and roll over your funds. Those funds will be available to you by the beginning of April.
- If Humana is your current administrator, you won’t have a debit card next year. Instead, you’ll be reimbursed automatically for any medical claims. (Your current debit card will stay active through Dec. 31. After that, you’ll submit a claim form to Humana for any remaining 2015 expenses.)
If you’re in the HSA option, there are no changes to your Health Savings Account (HSA). UHC will administer your medical option, but HealthEquity will continue to administer your HSA.
4. Understand what happens if you change medical options.
This isn’t new; it’s just a reminder that if you stop participating in the HRA option—for example, you switch to the HSA option during Annual Enrollment—you forfeit any money in your HRA. However, if you stop participating in the HSA option, the money in your HSA is still yours to keep.
5. Learn more.
UHC has set up a pre-enrollment website, where you can learn more, search the provider network, read about the premium designation program and Freestanding Facilities, and more. Start exploring at welcometouhc.com/rockwellautomation. If you have questions, feel free to call UHC at 1.844.234.7924.