Medical Plan Options
The Hartford offers three health plan options administered by UnitedHealthcare (UHC): two high deductible health plan (HDHP) options (MyChoice Core & MyChoice Plus) and one Preferred Provider Organization (PPO) option (MyChoice Select). These options are designed to meet the diverse needs of our employees.
All plan options provide access to a network of UHC providers and cover certain preventive care services at 100% when received from an in-network provider. The plan options differ in how much you pay for contributions via your paycheck and out-of-pocket when seeking care.*
*Contribution rates are based on your annual salary as of August 1 or upon enrollment (whichever is later), the plan option you choose, and who you cover.
The table below illustrates in greater detail how the options differ and what you can expect to pay out-of-pocket when receiving care.
| MyChoice Select (PPO) | MyChoice Plus (HDHP) | MyChoice Core (HDHP) | |
| In-Network / Out-of-Network | In-Network / Out-of-Network | In-Network / Out-of-Network | |
| Tax Advantaged Account(s) Available | Health Care Flexible Spending Account (FSA)* | Health Savings Account (HSA) Limited Purpose FSA Health Care FSA* |
Health Savings Account (HSA) Limited Purpose FSA Health Care FSA* |
| Deductible** | In-Network: $300 individual / $600 family Out-of-Network: $6,000 individual / $12,000 family |
In-Network: $1,800 individual / $3,600 family Out-of-Network: $3,600 individual / $7,200 family |
In-Network: $3,600 individual / $7,200 family Out-of-Network: $6,000 individual / $12,000 family |
| The entire family deductible must be met – by one individual or a combination of family members – before coinsurance applies. Also, prescription drug costs are subject to the deductible. | |||
| Preventive Care | In-Network: $0 copay Out-of-Network: 50% after deductible |
In-Network: $0 copay Out-of-Network: 50% after deductible |
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| Non-Preventive Primary Care Office Visits** | In-Network: $30 (not subject to deductible)) Out-of-Network: 50% after deductible |
In-Network: 20% after deductible Out-of-Network: 50% after deductible |
In-Network: 20% after deductible Out-of-Network: 50% after deductible |
| Non-Preventive Care | In-Network: $60 (not subject to deductible)) Out-of-Network: 50% after deductible |
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| Virtual Visits through UHC's designated virtual network** | $0 copay | ||
| Urgent Care | In-Network: $75 copay (not subject to deductible) Out-of-Network: 50% after deductible |
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| Most Other Medical Care | In-Network: 20% coinsurance after deductible Out-of-Network: 50% after deductible |
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| Behavioral Health | Outpatient Visits In-Network: $30 (not subject to deductible) Out-of-Network: 20% (subject to in-network deductible) Specialist Office Visits In-Network: $60 (not subject to deductible) Out-of-Network: 20% (subject to in-network deductible) |
In-Network: 20% after deductible Out-of-Network: 20% after in-network deductible |
In-Network: 20% after deductible Out-of-Network: 20% after in-network deductible |
| Emergency Room Care | In-Network: 20% coinsurance (not subject to deductible) Out-of-Network: 20% coinsurance (not subject to deductible) |
20% after deductible | 20% after deductible |
| Prescription Coinsurance | Pharmacy | ||
| Medical and Prescription Out-of-Pocket Maximum (combined) | In-Network: $3,500 individual / $7,000 family Out-of-Network: $12,000 individual / $24,000 family |
In-Network: $5,000 individual / $10,000 family Out-of-Network: $8,000 individual / $16,000 family |
In-Network: $7,500 individual / $15,000 family Out-of-Network: $12,000 individual / $24,000 family |
*If you are ineligible to contribute to an HSA, you may be eligible to contribute to an Health Care FSA; you cannot contribute to both.
**1. Prescription drugs are not subject to the deductible in the MyChoice Select plan option. Prescription drugs are subject to the deductible in the MyChoice Core and MyChoice Plus plan options.
2. After reaching your plan deductible, you will pay the applicable co-insurance up to the applicable out-of-pocket maximums.
***Please note, all Out-of-Network Behavioral Health services are paid at the In-Network level.
Prescription Coverage
When you participate in one of The Hartford’s medical plan options, you’ll automatically receive prescription drug coverage administered by OptumRx. Find out more about this coverage on the Pharmacy page.
Differences Between the PPO Option and the HDHP Options
The comparison below outlines the important differences between the PPO option and two HDHP options.
| Plan | MyChoice Select (PPO) |
MyChoice Core and MyChoice Plus (HDHPs) |
| Per paycheck contributions | Higher contributions than the HDHPs. | Lower contributions than the PPO option. |
| Cost of coverage | Lower out-of-pocket costs when receiving medical services such as hospitalization, emergency room visits or physical therapy (flat dollar copays and coinsurance) Deductible does not apply to prescription drugs and some in-network services. |
Higher out-of-pocket costs when you receive medical services. You pay 100% of the cost of coverage (except for preventive care) until you meet your annual deductible. Once you've met your annual deductible, you pay coinsurance; the plan covers the rest of the cost of eligible care. Deductible applies for prescription drugs. |
Important Note Regarding the Surgery Decision Support Program
If you are enrolled in one of The Hartford’s medical plan options, please keep in mind that a $1,000 penalty will be imposed if a participant has one of the following five surgeries on an elective basis and does not complete the requirements of My Medical Ally's Surgery Decision Support (SDS) program at least 30 days prior to having the surgery:
- Bariatric (weight loss) Surgery
- Hysterectomy
- Knee Replacement
- Hip Replacement
- Low Back Surgery