the viacom active plan options

The Viacom Active Plan Options

What can I expect from UnitedHealthcare?

2Proprietary Information of UnitedHealth Group. Do not distribute or reproduce without express permission of UnitedHealth Group.

Dedicated Customer Care: telephone and

online services

Personal Messages: e.g. preventive care

reminders

24/7 Personal Support: from nurses and health

coaches

Help Finding: quality and affordable doctors,

hospitals, and services

One of the largest

networks in the U.S.

You probably have a lot of questions


Is my doctor in the network? What health care

coverage best fits my needs?

What is my total cost of health care including

premiums?What extras do I get with my health plan?

UnitedHealthcare Choice Plus Network Key Features


Source: UnitedHealthcare Network and national network data provided by Strenuous and industry standard access requirements for hospitals and primary care physicians, May 2012

You can see any doctor you want

You do not need referrals

You’ll save money when you use the UnitedHealthcare network

A network doctor, pharmacy, hospital and convenience care clinic

are likely nearby.


Find A Network Doctor Or HospitalVisit www.myuhc.com/groups/viacom

Search by:• Name or

specialty• Procedure• Office

hours• Gender• Education• Driving

directions• Languages

spoken

What health care coverage best fits my

needs?6

HealthFund Option (HSA)

Choice Plus II OptionChoice Plus

Option


Everyone Has Different Needs


Plan

100% Preventive

Care

No referrals required

Non-network coverage

Nationwide Network

Spending account Pharmacy

HealthFund Option

Choice Plus Option

Choice Plus II Option

Your Medical Plan Options


Type of coverage Network benefit Non-network benefit

Physician’s office services 90% After deductible 70% After deductible

Specialist office visit 90% After deductible 70% After deductible

Emergency room services 90% After deductible 90% After deductible

Inpatient hospital stay 90% After deductible 70% After deductible

Urgent care center services 90% After deductible 70% After deductible

Your Medical Benefits at a Glance

HealthFund Option



Physician’s office services $20 copayment 70% After deductible

Specialist office visit $30 copayment 70% After deductible

Emergency room services $75 copayment $75 copayment

Inpatient hospital stay 90% No deductible 70% After deductible

Urgent care center services $30 copayment 70% After deductible


Choice Plus Option



Physician’s office services $15 copayment 70% After deductible

Specialist office visit $25 copayment 70% After deductible

Emergency room services $75 copayment $75 copayment

Inpatient hospital stay 100% 70% After deductible

Urgent care center services $25 copayment 70% After deductible


Choice Plus II Option


Viacom Options include:

You have coverage if you receive care outside our network.

• Freedom to choose any network doctor, including specialists, without referrals

• Coverage for non-network care• No need to choose a primary care

physician• 100% preventive care coverage in our

network• Care management if you require

hospital stay or surgery • Copayments, coinsurance and/or

deductible

Health Savings Account (HSA)

HealthFund Option

What is an HSA?

Health Savings Accounts (HSAs) are designed to help you save and pay for your health care.

An HSA is a component of the Viacom HealthFund option

14

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HSA Overview

Require a High Deductible Health

Plan (i.e. the Viacom

HealthFund)

Used to pay for qualified health care expenses

immediately

Grows over time and can be

invested

Funded by you, your employer or

others

Account funds belong to you

Investments are not FDIC insured, are not guaranteed by OptumHealth Bank and may lose value.

Your HSA Is Your Money

Any money deposited into your HSA is yours to keep.There is no “use it or lose it” rule.


If you leave your employer or change health plans, you take your HSA with

you.

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What You Need to Know About An HSA

Annual contribution limits set by the IRS and deposits can be

made at any time

Funds can be used to pay for current health care expenses,

or can be saved for future health care expenses

All deposits are income tax free and withdrawals are not taxed

You’re in charge of managing your HSA

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Contribution Limits

Amount of Funding The IRS determines how much you can fund.

Rules For 2013 the IRS allow you to contribute up to $3,250 for Individuals and $6,450 for families.

Additional Funding

Those 55 years of age or higher, but not entitled to Medicare benefits, can fund an additional $1,000/year “catch-up” contribution!

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How to Use Your HSA Funds

Use Your HSA Funds Now or Save for the Future

Use the funds in

your HSA

Build balances to cover your

HDHP deductible

Save for the future and grow funds tax free

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HSA Qualified Medical Expenses

Use HSA dollars to pay for medical expenses for your spouse or dependents – even if they aren’t covered by your HDHP medical plan

Medical, prescription drug dental and vision care services

Medical plan deductibles and coinsurance

Any money you take out of your HSA for eligible medical expenses is income-tax free

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Other HSA-Qualified Medical Expenses

Health coverage while

receiving unemployment

benefits

COBRA continuation

coverage

Eligible long-term care

premiums

Medicare premiums and out-of-pocket

expenses

1

2

3

4

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Paying for Non-Qualified Expenses

Any funds used for purposes other than to pay for eligible medical expenses are:

Taxable as income

Subject to a 20 percent tax penalty

EXCEPTION: The penalty does not apply to account

holders age 65 and older, those who

become disabled or enroll in Medicare or

die.

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Access Your HSA Funds

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Use your UnitedHealthcare Health Savings Account

Debit MasterCard®. Debit Card can be used at doctor’s office, pharmacy, anywhere

MasterCard is accepted.

Order HSA checks for this account ($10 for book of 25)

Pay for an expense with personal funds and

reimburse yourself from your HSA

Use the free online bill pay function for both one time

and recurring expenses

Access Your HSA Funds

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Use your UnitedHealthcare Health Savings Account

Debit MasterCard®. Debit Card can be used at doctor’s office, pharmacy, anywhere

MasterCard is accepted.

Order HSA checks for this account ($10 for book of 25)

Pay for an expense with personal funds and

reimburse yourself from your HSA

Use the free online bill pay function for both one time

and recurring expenses

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Making Deposits

Payroll Contributions

You can elect to make pre-tax payroll contributions to your account on a per pay period basis.

e-Contribute*You can also make contributions on-line at myuhc.com – transfer funds from your personal account to your HSA.

Check*Or, you can send in a check contribution. Deposit forms available online at myuhc.com and in your welcome kit.

*contributions made outside of payroll are after-tax, however these can be claimed on your federal tax return as an above-the-line item deduction.


The plan is designed to help you:

Open Your Account and Deposit Early


• Open and deposit money into your HSA early.

• You’ll be prepared for health expenses.

• Viacom offers automatic payroll deposit into your HSA.

• Viacom contributes to the HSA: $500 Individual or $1,000

Family.

Don’t leave free money on the table. You can only collect the

money by opening your HSA account.

The Plan in Action

This is Mary. The HealthFund Option gives her:

• Lower monthly premiums• Viacom’s contribution of $500 to her HSA• Ability to choose any doctor• Unspent HSA dollars can roll over• Possibly no out-of-pocket costs


The Plan in Action


A snapshot of Mary’s plan:

1.

Deductible$1,300

Preventive care is covered 100% in the network.

Mary’s annual deductible is $1,300.1.

• Viacom is funding $500 in the HSA. • Mary contributes $500 to the HSA.

• Preventive care is covered 100% in network.• Mary is responsible for her deductible.

Mary chooses to pay out of her pocket OR

with her HSA

Example assumes services are received in network.

The Plan in Action



2.

Coverage90 / 10

Mary’s plan pays

90%

Mary pays 10%

+

COINSURANCE


After her deductible is met, Mary’s coverage is 90% / 10%.2.

• Mary’s plan will pay 90%.• Mary will pay 10%.• This is called coinsurance.

1.

Deductible$1,300


with her HSA


The Plan in Action



2.

Coverage90 / 10

Mary’s plan pays

90%

Mary pays 10%

+

COINSURANCE

3.

Out-of-pocketMaximum $2,600

Mary is protected

When Mary reaches her out-of-pocketmaximum, her plan pays 100%.


Mary’s out-of-pocket maximum amount is $2,600.3.

• When Mary reaches her out-of-pocket maximum, the plan pays 100%.

• Mary is protected.

1.

Deductible$1,300


with her HSA


Introduction to OptumRX

Who is OptumRx? OptumRx is a UnitedHealth Group company, offering high quality pharmacy benefit services. Viacom memberswill enjoy additional advantages, such as an easy online experience, option to set up mobile text refill reminders, superiorcustomer service and access to the OptumRx Mail ServicePharmacy.

What happens if my question is not answered here? For more information, visit us today at http://welcometouhc.com/viacom. After 1/1/13, you can call customer service at the member phone number listed on the back of your ID card or visit myuhc.com.

http://welcometouhc.com/viacom

Welcome to your OptumRX Pharmacy Benefit



• Viacom’s Pharmacy Plan will Transition to UnitedHealthcare effective 1/1/13, UHC’s pharmacy is OptumRx

•Will my prescription records transfer? Yes, your pharmacy claims records will be securely transferred to UnitedHealthcare from Express Scripts.

•Can I go to the same pharmacy? You will have access to over 64,000 retail pharmacies including all large national chains, and many local, community pharmacies and the OptumRx Mail Service Pharmacy. To locate a network pharmacy, log into our Pharmacy locator at www.welcometouhc.com/viacom.

•Will my mail service prescription(s) transfer to OptumRx? Most mail service prescriptions with remaining refills will automatically transfer. Prescriptions for certain medications will not transfer. Examples include certain painkillers and prescriptions that have expired. In these cases, you’ll need a new prescription from your doctor.

•Once I place a mail service order, how quickly will I get my medication? New prescription orders are delivered by standard U.S. mail and will arrive around 10 business days from the date OptumRx receives the order. Refills are sent the same way and normally arrive within 7 business days. If you have an email address on file, you can expect to receive an email when your prescription ships. If you don’t have an email address on file, you’ll receive a phone call.

OptumRX Frequently Asked Questions

http://www.welcometouhc.com/viacom

I receive a specialty medication through a Specialty Pharmacy. How does this impact me? Do I need to take any action? Most specialty medications are managed through our OptumRxSpecialty Pharmacy Program. Your Curascript / ESI Specialty Pharmacy Rx will be transferred to OptumRX and you will receive a letter and phone call from OptumRX with further information. Once your Rx is transferred, you can call the OptumRx Specialty Pharmacy, at 1-888-739-5820, and talk to a patient care coordinator to assist you. Our specialtypharmacy program offers on-call pharmacists available 24 hours a day,information about lower-cost medication options and additional resources.

OptumRX Frequently Asked Questions

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HSA Eligibility

You are eligible to open and contribute to an HSA if:

You are covered by an eligible high deductible health plan

You are not covered by a health care FSA, nor have a balance in your FSA on 12/31/12

You are not claimed as a dependent on someone else’s tax return

You have not received VA benefits within the past 3 months

You are not entitled to Medicare, TRICARE or TRICARE for Life

You are not covered by any other health plan that is not a high deductible plan

the viacom active plan options

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