Preventive Care Medical Plan

 

The University of Miami is pleased to offer a Preventive Care Medical Plan from United Healthcare to employees who are not eligible to enroll in the UM/Aetna health plan.

Preventive Care Plan Benefits Guide
Preventive Care Plans Premiums

Summary of Benefits and Coverage
Frequently Asked Questions
Open Enrollment Presentation

What You Need to Know

INFORMATION ABOUT THE PLAN
  • You may enroll yourself and your eligible dependents in the preventive plan on your date of hire, during Open Enrollment or if you experience a life event during the year. Click here to view monthly premiums.
  • The plan covers preventive care only. Click here to view the Plan Summary. Preventive care includes services like annual physicals, well woman exams, mammograms, and colonoscopies. If you receive a preventive care service in the United Healthcare network, you’ll pay $0 for that service (not including your monthly premium).
  • The plan does not cover expenses when you are sick. Expenses for sick visits including outpatient surgeries, hospitalizations, and visits to the doctor for anything other than annual preventive care are not covered. 
IF YOU ALREADY HAVE INSURANCE
  • If you’re currently insured through another medical plan, you should NOT drop your coverage to elect this plan.
  • If you’re currently covered through the UM Student Health Insurance Plan from United Healthcare, you should NOT drop your coverage to elect this plan. This plan does not meet the UM requirements for student health coverage.
IF YOU DON'T HAVE INSURANCE
  • Prior to 2019, the IRS charged uninsured individuals a penalty on their taxes.  Beginning January 1, 2019, the IRS penalty for being uninsured no longer applies.  To view the prior penalties and see the update for 2019, click here.
  • However, you should strongly consider applying for health care coverage through the Federal Health Insurance Marketplace, a private policy, or other channels like Medicaid and TRICARE.
  • Open Enrollment for the Federal Health Insurance Marketplace is currently underway and runs through December 15, 2018 . Please visit healthcare.gov for more information about available plans and rates. Click here to view the Federal Health Insurance Marketplace plans accepted by UHealth.
  • Subsidies to help lower your premium may be available for coverage purchased on the Federal Health Insurance Marketplace, and the offer of this plan will not prevent you from receiving a subsidy to help reduce the cost of coverage if you are otherwise eligible. For help applying for coverage on the Marketplace, click here to find a local Navigator.