Medical Insurance

The University of Miami offers three medical plans, all administered by Aetna. Your premiums, deductibles, copayments and other costs vary depending on the plan you elect.

Medical Plan Options

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  • Aetna Select 1

    The Aetna Select 1 plan offers access to a to a national network (Aetna Select Open Access) of providers and facilities. There are no out-of-network benefits. The Aetna Select 1 plan has a $200 deductible per person, up to $600 per family. Once the deductible is met, participants pay copays for services. Preventive care is free and bypasses the deductible. Prescription drugs also bypass the deductible, but require copays.*

     

    *Note, any prescription NOT covered by OptumRx is the full responsibility of the member and WILL NOT be applied toward your deductible or out-of-pocket maximum.

  • Aetna Select 2

    The Aetna Select 2 plan offers access to a national network (Aetna Select Open Access) of providers and facilities. There are no out-of-network benefits. The Aetna Select 2 plan has a $300 deductible per person, up to $900 per family. Once the deductible is met, participants pay copays for services. Preventive care is free and bypasses the deductible. Prescription drugs also bypass the deductible, but require copays.*

     

    *Note, any prescription NOT covered by OptumRx is the full responsibility of the member and WILL NOT be applied toward your deductible or out-of-pocket maximum.

  • Aetna POS II HRA

    The HRA plan offers access to a national network (Choice POS II Open Access) of providers and facilities and out-of-network benefits (at higher costs). The plan has a $400 per person health fund - paid by UM - to help pay for up front medical expenses, including the $1,500 per person deductible, up to $4,500 per family. In-network preventive care is free and bypasses the deductible. However, prescription drugs do not bypass the deductible, which must be met prior to copays.* 

    The maximum fund a family will receive is $1,200. The unused funds roll over each year as long as you remain in this plan. Click here to view a presentation explaining how the HRA Plan works and here for a Quick Start Guide.

    Note, if you participate in both the Aetna HRA medical plan and a health care FSA, you will receive one WageWorks Visa card with both HRA and FSA funds on the card. HRA funds will be used for eligible medical and prescription expenses before flexible spending account funds are utilized.

     

    *Note, any prescription NOT covered by OptumRx is the full responsibility of the member and WILL NOT be applied toward your deductible or out-of-pocket maximum.

Comparison Charts

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Telemedicine

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  • UHealth Virtual Clinics

    UHealth is pleased to introduce UHealth Virtual Clinics. It is a safe and easy way to access University of Miami Health System providers, in all specialties, on a secure telehealth platform. They use technology to bring the expert care you need, when you need it, from the safety of your own home. UHealth virtual clinics are available for a wide variety of non-emergency conditions
    and are available by appointment. Your virtual visit will be billed to your UM/Aetna insurance, the same way an in-person visit would be billed. 

    Scheduling a UHealth Virtual Clinics appointment is easy.

    1. Request your visit by:
      • Calling 305-243-4000. Customer service representatives are available from Monday-Friday, 7:30 a.m. to 6 p.m., EST.
      • Completing an online request form at UMiamiHealth.org/VirtualClinics.
    2. Schedule your appointment.
    3. Get the care you need.

  • MyCareConnection

    MyCareConnection, UHealth’s virtual care platform, is also available for employees and their family members at no charge. Just use your miami.edu email address and enter the code Cane2020 on the checkout screen. MyCareConnection is available 24/7, 365 days a year, where Board-certified doctors and nurse practitioners can diagnose, recommend treatment, and prescribe medication. Providers also are available to evaluate COVID-19 symptoms. Though you may experience longer than usual wait times, there is an option to request a call back.

  • Teladoc

    Teladoc® is a benefit made available to you through Aetna. As a Teladoc member, you have access to a national network of U.S. board-certified physicians, licensed in your state. With an average of over 20 years of clinical experience, their doctors can diagnose, treat and prescribe medication for 
    non-emergency conditions. This includes treatments for the flu, eye infections, bronchitis, and much more. Whenever you need care, they are available within minutes, by phone or video.

    Set up your account today at teladoc.com/aetna or call 1-855-TELADOC (835-2362).

     

    Teladoc Prescription Policy

Definitions

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  • Commonly Used Terms

    Balance Billing
    Out-of-network providers may bill patients for the balances remaining on the charges associated
    with services rendered, after the insurance reimbursement amount is paid. You are responsible
    for the difference between out-of-network billed charges and Aetna’s maximum allowable fee.

    Coinsurance
    Your share of the costs of a covered healthcare expense calculated as a percent based on the
    contracted Aetna rate you pay for services after your deductible is met

    Copayment (Copay)
    The fixed dollar amount you pay each time you receive certain types of medical services or prescriptions. Copays vary depending on the service you’re receiving.

    Deductible
    The dollar amount you must pay for covered health care services before your insurance plan
    starts to pay. Copayments do not apply to the deductible.

    Family
    A family plan consists of an employee, a spouse, and at least one dependent child. In all of our plans, once the deductible is met for three members of a family, it is met for all other members of the same family.

    Maximum Allowable Fee
    An amount determined by Aetna to be the prevailing charge for the service. This amount is based
    on a national database, complexity of services, range of services and prevailing charge in the
    geographic area.

    Network
    All national providers and facilities contracted with Aetna. UHealth providers are all within the Aetna network.

    Out-of-Pocket Maximum
    The maximum dollar amount you are required to pay out of pocket for medical, behavioral health
    Rx during the calendar year. When the amount of combined covered expenses paid by you
    and/or all your covered dependents (family) satisfies the out-of-pocket maximums, the plan will
    pay 100% of covered expenses for the remainder of the calendar year. You are still responsible for premiums.

    Premium
    The amount you'll be deducted each pay period to remain in the plan

    Usual, Customary and Reasonable
    The usual charge made by a physician or other provider of services that does not exceed the
    general level of charges made by other providers for the same care in the same geographic area.

Healthy ‘Canes Clinics

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  • Healthy ‘Canes Clinics

    The Healthy ’Canes Employee Clinic is a Well ’Canes benefit for faculty and staff, offering convenient access to UHealth medical services for common illnesses. Visits to the Healthy ’Canes Clinic are solely on a walk-in basis and services are provided for the low cost of $5 per visit. Each clinic is staffed by a UHealth nurse practitioner overseen by UHealth physicians.

    However, full-time and part-time UM/Aetna benefits eligible University of Miami employees are eligible to receive care at this clinic. Non-UM/Aetna benefits eligible employees, for example, a dependent, a student, a temporary/casual worker or a contract worker, are not eligible to receive care at the clinics.

    For location information and operating hours, please visit www.healthycanesclinic.com.

UHealth at Walgreens

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  • UHealth at Walgreens

    UHealth Clinic at Walgreens provides convenient care from the experts you trust and is operated by the University of Miami Health System. UHealth at Walgreens provides faculty, staff and their dependents, with convenient access to UHealth medical services for common illnesses, seven days a week. Services at UHealth at Walgreens are provided for the low cost of $5 per visit. 

    For location information, operating hours, and to make an appointment at one of their 14 locations,  visit umiamihealth.org/patients-visitors/walgreens-clinics.

Surcharges

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  • Smoking

    If you are a smoker, your monthly premium will increase by $100. If your spouse is a smoker, your monthly premium will increase by an additional $100. If both of you are smokers, your monthly premium will increase by $200. To waive this surcharge, the individual must have been smoke free for 12 months at the time of initial enrollment or annual Open Enrollment, or the individual must have successfully completed the University’s BeSmokeFree smoking cessation program.

  • Spousal

    A $350 monthly spousal surcharge will apply to spouses who are eligible to participate in their employer sponsored medical plan (regardless of the cost), but choose to participate in the University’s group medical plan. The surcharge is waived if the spouse does not have access to medical coverage through his/her employer, is an employee of the University, or is on Medicare/Medicaid. If a spouse becomes eligible for or loses coverage during the plan year, HR-Total Rewards must be notified of the change within 30 days via Workday.

Additional Information

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  • Bariatric Surgery

    Only University employees, who are the primary subscriber on the UM/Aetna plan, are eligible for coverage of bariatric surgery. Additional information on employment, provider and clinical requirements can be found here.

  • High End Imaging

    All high end imaging, including PET, CT, and MRI services, are covered exclusively at UHealth (certain exceptions apply). For more information, click here.

  • Labwork

    In-network labwork is covered at UHealth, Quest Diagnostics and LabCorp.

  • Save and Receive Quality Care at UHealth

    After meeting your deductible, pay lower copays by using UHealth providers and facilities.

    Call UHealth Connect at 305-243-CARE (2273) to schedule an appointment with one of our 1,100 UHealth physicians. This employee-dedicated appointment line is staffed to serve you and your family quickly and efficiently. The line is available only to UM employees and their immediate families. UHealth hopes this service will help enhance your UHealth experience. 

  • Medicare

    For more information on Medicare, please click here.

  • Dependent Eligibility

    Your eligible dependents include:

    • Your legal spouse
    • Your dependent child up to age 26, regardless of student, employment, or marital status (coverage ends at the end of the month in which the dependent child turns 26) 

    Your dependent children include:

    • Your natural child
    • Your legal stepchild
    • Your legally adopted child (or child placed with you for legal adoption)

     

    You will be required to provide documentation supporting the relationship, such as marriage certificate, birth certificate(s) and/or final adoption papers for children. If marriage and/or birth certificate(s) are in a language other than English or Spanish, we ask that you also submit an official signed translation to avoid any delays in processing.

  • Changes Outside of Open Enrollment

    If you experience a qualifying status change (life event), HR-Total Rewards must be notified of the change within 30 days of the date of the event via Workday. Any changes made will be retroactive to the date of the event (such as marriage date) and the employee will be responsible for any owed premiums (if applicable).