Medical - Compare Options
Medical - Compare Options
This Medical Plan Comparison Chart includes the coverage levels for commonly used services. This comparison chart does not reflect all medical plan services, exclusions, limitations, or restrictions. It is not considered a contract or guarantee of coverage under the Plans. Refer to the Summary Plan Document located at www.oraclebenefits.com for more details on Plan provisions and limitations. Click here to find which medical plan(s) are available to you.
UHC - Medium PPO
UHC - Premium PPO
You may use any doctor or facility. You receive a higher level of benefits when you use Network providers. You are responsible for ensuring all providers are in the network.
You may use any doctor or facility. You receive a higher level of benefits when you use Network providers. You are responsible for ensuring all providers are in the network.
Network: $400 individual/$1,200 family
Non-Network: $800 individual/$2,400 family
Non-Network: $800 individual/$2,400 family
Network: $400 individual/$1,200 family
Non-Network: $800 individual/$2,400 family 5
Non-Network: $800 individual/$2,400 family 5
Network: $2,000 individual/$4,000 family
Non-Network: $5,000 individual/$10,000 family 10
Non-Network: $5,000 individual/$10,000 family 10
Network: $2,000 individual/$4,000 family
Non-Network: $5,000 individual/$10,000 family 10
Non-Network: $5,000 individual/$10,000 family 10
See Pharmacy and Mail Order coverage details section below
See Pharmacy and Mail Order coverage details section below
Preventive Care
Local Pharmacy, 30-Day Supply
Mail Order Pharmacy, 90-Day Supply
Outpatient Medical Services
Network: $25 copay
Non-Network: 70% of R&C after deductible 2
Non-Network: 70% of R&C after deductible 2
Network: $20 copay
Non-Network: 80% of R&C after deductible 2
Non-Network: 80% of R&C after deductible 2
Network: $35 copay
Non-Network: 70% of R&C after deductible 2
Non-Network: 70% of R&C after deductible 2
Network: $30 copay
Non-Network: 80% of R&C after deductible 2
Non-Network: 80% of R&C after deductible 2
Network: Available through American Well: General Physician $5 copay, Nutritionist $5 copay, Mental Health Counseling $10 copay
Non-Network: Not covered 14
Non-Network: Not covered 14
Network: Available through American Well: General Physician $5 copay, Nutritionist $5 copay, Mental Health Counseling $10 copay
Non-Network: Not covered 14
Non-Network: Not covered 14
Network: See In-Network coverage levels for in-person visits
Non-Network: See Non-Network coverage levels for in-person visits
Non-Network: See Non-Network coverage levels for in-person visits
Network: See In-Network coverage levels for in-person visits
Non-Network: See Non-Network coverage levels for in-person visits
Non-Network: See Non-Network coverage levels for in-person visits
Network: 90% after deductible
Non-Network: 70% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Non-Network: 70% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Network: 100% after deductible
Non-Network: 80% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Non-Network: 80% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Network: Applicable Doctor/Specialist copay applies
Non-Network: 70% of R&C after deductible 2
Non-Network: 70% of R&C after deductible 2
Network: Applicable Doctor/Specialist copay applies
Non-Network: 80% of R&C after deductible 2
Non-Network: 80% of R&C after deductible 2
Network: 90% after deductible and $100 copay
Non-Network: 70% of R&C after deductible and $100 copay 2
Non-Network: 70% of R&C after deductible and $100 copay 2
Network: 100% after deductible and $100 copay
Non-Network: 80% of R&C after deductible and $100 copay 2
Non-Network: 80% of R&C after deductible and $100 copay 2
Network: $35 copay. Combined Network & Non-Network limit of 60 visits for each therapy type, per year. Medical review is needed for further visits
Non-Network: 70% of R&C after deductible. Combined Network & Non-Network limit of 60 visits per year for each therapy type, per year. Medical review is needed for further visits 2
Non-Network: 70% of R&C after deductible. Combined Network & Non-Network limit of 60 visits per year for each therapy type, per year. Medical review is needed for further visits 2
Network: $30 copay. Combined Network & Non-Network limit of 60 visits for each therapy type, per year. Medical review is needed for further visits
Non-Network: 80% of R&C after deductible. Combined Network & Non-Network limit of 60 visits per year for each therapy type, per year. Medical review is needed for further visits 2
Non-Network: 80% of R&C after deductible. Combined Network & Non-Network limit of 60 visits per year for each therapy type, per year. Medical review is needed for further visits 2
Inpatient Hospital Services
Network: Provider responsibility
Non-Network: Patient responsibility. A $200 penalty applies to non-certified hospitalizations/inpatient stays. Penalty does not apply towards plan deductible or out of pocket maximum.
Non-Network: Patient responsibility. A $200 penalty applies to non-certified hospitalizations/inpatient stays. Penalty does not apply towards plan deductible or out of pocket maximum.
Network: Provider responsibility
Non-Network: Patient responsibility. A $200 penalty applies to non-certified hospitalizations/inpatient stays. Penalty does not apply towards plan deductible or out of pocket maximum.
Non-Network: Patient responsibility. A $200 penalty applies to non-certified hospitalizations/inpatient stays. Penalty does not apply towards plan deductible or out of pocket maximum.
Inpatient Admission (excludes maternity) - room & board and other charges related to a hospital stay
Network: 90% after deductible and $250 copay
Non-Network: 70% of R&C after deductible and $250 copay 2
Non-Network: 70% of R&C after deductible and $250 copay 2
Network: 100% after deductible and $250 copay
Non-Network: 80% of R&C after deductible and $250 copay 2
Non-Network: 80% of R&C after deductible and $250 copay 2
Network: 90% after deductible and $250 copay
Non-Network: 70% of R&C after deductible and $250 copay 2
Non-Network: 70% of R&C after deductible and $250 copay 2
Network: 100% after deductible and $250 copay
Non-Network: 80% of R&C after deductible and $250 copay 2
Non-Network: 80% of R&C after deductible and $250 copay 2
Network: 90% after deductible
Non-Network: 90% of R&C after deductible 2
Non-Network: 90% of R&C after deductible 2
Network: 100% after deductible
Non-Network: 90% of R&C after deductible 2
Non-Network: 90% of R&C after deductible 2
Family Planning / Maternity Care
Coverage varies by plan guidelines/procedure setting (e.g., hospital, office visit, outpatient surgical center)
Coverage varies by plan guidelines/procedure setting (e.g., hospital, office visit, outpatient surgical center)
Covers FDA-approved devices that cannot be purchased over the counter. Coverage varies by plan - contact UHC to verify
Covers FDA-approved devices that cannot be purchased over the counter. Coverage varies by plan - contact UHC to verify
RRS Network: Provider responsibility. Services must be performed by Reproductive Resource Services. Non-RRS services are not covered. 4
RRS Network: Provider responsibility. Services must be performed by Reproductive Resource Services. Non-RRS services are not covered. 4
Network: 70%; Fertility medical services must be received by Reproductive Resource Services
Non-Network: Not covered 4
Non-Network: Not covered 4
Network: 70%; Fertility medical services must be received by Reproductive Resource Services
Non-Network: Not covered 4
Non-Network: Not covered 4
No lifetime maximum
(Fertility charges do not apply to out of pocket maximum)
(Fertility charges do not apply to out of pocket maximum)
No lifetime maximum
(Fertility charges do not apply to out of pocket maximum)
(Fertility charges do not apply to out of pocket maximum)
Emergency Medical Services
Network: $150 copay if true emergency (waived if admitted to hospital)
Non-Network: $150 copay if true emergency (waived if admitted to hospital)
Non-Network: $150 copay if true emergency (waived if admitted to hospital)
Network: $150 copay if true emergency (waived if admitted to hospital)
Non-Network: $150 copay if true emergency (waived if admitted to hospital)
Non-Network: $150 copay if true emergency (waived if admitted to hospital)
Network: 70% after deductible
Non-Network: 70% of R&C after deductible 2
Non-Network: 70% of R&C after deductible 2
Network: 80% after deductible
Non-Network: 80% of R&C after deductible 2
Non-Network: 80% of R&C after deductible 2
Miscellaneous Services
Network: $35 copay. Combined Network & Non-Network limit of 20 visits per year. Medical review is needed for further visits
Non-Network: 70% of R&C after deductible. Combined Network & Non-Network limit of 20 visits per year. Medical review is needed for further visits 2
Non-Network: 70% of R&C after deductible. Combined Network & Non-Network limit of 20 visits per year. Medical review is needed for further visits 2
Network: $30 copay. Combined Network and Non-Network limit of 20 visits per year. Medical review is needed for further visits
Non-Network: 80% of R&C after deductible. Combined Network and Non-Network limit of 20 visits per year. Medical review is needed for further visits 2
Non-Network: 80% of R&C after deductible. Combined Network and Non-Network limit of 20 visits per year. Medical review is needed for further visits 2
Network: 80%
Non-Network: 80% of billed charges
Non-Network: 80% of billed charges
Network: 80%
Non-Network: 80% of billed charges
Non-Network: 80% of billed charges
Network: 90% after deductible
Non-Network: 70% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Non-Network: 70% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Network: 100% after deductible
Non-Network: 80% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Non-Network: 80% of R&C after deductible. A $200 penalty is imposed if there is no prior authorization for non-network services. Penalty does not apply towards plan deductible or out of pocket maximum. 2
Network: 80% Limited to a single purchase per affected ear every three years.
Non-Network: 80% of R&C 2
Non-Network: 80% of R&C 2
Network: 80%
Non-Network: 80% of R&C 2
Non-Network: 80% of R&C 2
Network: Treatment w/office visit: Applicable Doctor/Specialist copay applies; Injections only (no office visit): 90%
Non-Network: 70% of R&C after deductible 2
Non-Network: 70% of R&C after deductible 2
Network: Treatment w/office visit: Applicable Doctor/Specialist copay applies; Injections only (no office visit): 100%
Non-Network: 80% of R&C after deductible 2
Non-Network: 80% of R&C after deductible 2
Network: $35 copay
Non-Network: 70% of R&C after deductible; If performed at lab - refer to non-preventive lab benefit 2
Non-Network: 70% of R&C after deductible; If performed at lab - refer to non-preventive lab benefit 2
Network: $30 copay; If performed at lab - refer to non-preventive lab
Non-Network: 80% of R&C after deductible; If performed at lab - refer to non-preventive lab benefit 2
Non-Network: 80% of R&C after deductible; If performed at lab - refer to non-preventive lab benefit 2
COVID-19 Over the Counter Test Kits
Network:100% Covered; No Deductible
Non-Network: 100% Covered; No Deductible
Non-Network: 100% Covered; No Deductible
Network:100% Covered; No Deductible
Non-Network: 100% Covered; No Deductible
Non-Network: 100% Covered; No Deductible
This Medical Plan Comparison includes the coverage levels for commonly used services. This comparison chart does not reflect all medical plan services, exclusions, limitations, or restrictions. It is not considered a contract or guarantee of coverage under the Plans. Refer to the Summary Plan Document located at www.oraclebenefits.com for more details on Plan provisions and limitations.
1 In accordance with Healthcare Reform‘s Expanded Women‘s Preventive Care Services, certain contraceptives are available at no charge. Contact your medical plan to verify coverage.
2 Allowed amount is determined by UnitedHealthcare. See Eligible Expenses under the UnitedHealthcare Medical Plans section in the Summary Plan Description.
3 If you are enrolled in one of the United Healthcare plans, you may access the Healthy Pregnancy program at the number on your id card, 1-800-411-7984 or visit www.healthy-pregnancy.com. If you are enrolled in one of the HMO plans, consult your specific HMO about any pregnancy programs they may offer.
4 United HealthCare Plan Members: Contact Fertility Solutions Program (FS) at 1-866-774-4626 or www.myoptumhealthcomplexmedical.com/gateway/public/welcome.jsp.
5 Billed charges above the allowed amount will not count towards your deductible and out-of-pocket maximum.
6 Contact United Behavioral Health (EAP) at 1-866-728-8413 or www.liveandworkwell.com.
7 United HealthCare Plan Members Prescription drugs are categorized into three tiers each with an assigned cost (e.g. copayment). Tier 1 is the lowest cost option, tier 2 is mid-range, and tier 3 is the highest cost option. Generally generic medications are classified as tier 1 however that may not always be the case. Obtain the most current tier information on www.myuhc.com or by calling UHC using the number on your ID card. Certain medications for rare and/or complex conditions are classified as Specialty Medications. These medications are subject to different dispensing processes and costs. If you are taking one more of these medications contact United Healthcare at 1-866-672-2511 for more information.
8 If you request a brand name drug with a generic alternative, you may be required to pay for the difference between generic and brand (unless the brand name was requested by your doctor).
9 If you receive these services as part of an inpatient hospital stay or as part of an outpatient hospital procedure, the applicable hospital copayment apply.
10 Out of Pocket Maximum includes deductible, coinsurance and copays. Please refer to the Plan Documents for details.
11 Separate hospitalization co-pay for the newborn may apply if the newborn is admitted for their own medical condition separate from labor and delivery. See hospital co-pays for details.
12 Coverage for physical, speech or occupational, please see those sections.
13 Progress notes required - please refer to Plan for details.
14 Telehealth benefits are available through American Well. Telehealth enables UHC eligible employees and dependents to obtain services from licensed physicians virtually. Seek care using your computer, tablet, mobile device, and telephone. Go to http://oracle.amwell.com/ for more information and/or to access services.
15 Autism services offered through Oracle‘s United Healthcare (UHC) medical plans include assessments by eligible board certified behavioral analysts, licensed mental health clinicians and therapists and comprehensive services and treatments including Applied Behavior Analysis (ABA). For more information about UHC’s autism coverage, please contact UHC at 1-866-672-2511.
16 Evidence-based medication regimens, including GLP-1s and other prescription weight-loss drugs, may be prescribed as part of a patient’s care as determined by their physician.