Additional benefits and programs

With this benefit, you'll get a credit each quarter added to your UCard to buy covered OTC products from network retail locations. The credit is automatically loaded every quarter.

Dental coverage for your oral health needs

With UnitedHealthcare Dental®, you’ll have access to the largest Medicare dental network in the industry with more than 103,000 providers.

• 100% coverage for exams, x-rays, cleanings and periodontal maintenance, when you see a network dental provider.
• 80% coverage for minor services, including fillings, pulp protection and nitrous oxide*.
• 50% coverage for major services, including crowns, root canals, dentures and more*.
• Please refer to your Evidence of Coverage for details on your dental benefit coverage via retiree.uhc.com/ibm
• Individual annual deductible: For services other than preventive care, you will pay a $50 individual annual deductible before your coverage kicks in. Coinsurance Once you reach your deductible, your plan starts to share a percentage of the costs with you.
  • Plan year limit: Your plan pays for services up to $1,000 annual maximum, this is called a plan year limit. Preventive services, including routine dental checkups, may count toward it. If you reach the limit, you’ll need to pay the entire cost of any additional dental care you receive that year.
  • Out-of-network services: If you use a dentist out-of-network, you may need to pay the difference between what the plan covers and what your dentist charges for the services.
  • Estimate your costs If you’re planning to have a procedure that costs more than $500, ask your dentist to send UnitedHealthcare the X-rays and notes about your condition. The treatment will be reviewed to make sure it’s clinically appropriate. After review, you and your dentist will get an estimate of what the plan will pay and what your out-of-pocket costs will be.
    • Submit claims Requests for claim reimbursement with itemized receipt and member information, including member ID, can be submitted to: UnitedHealthcare P.O. Box 30567 Salt Lake City, UT 84130-0567 See plan documents or call the dental number on the back of your member ID card for a detailed list of required information for submission.

* Please refer to your Summary of Benefits for details on your benefit coverage.

If your plan offers out-of-network dental coverage and you see an out-of-network dentist, you might be billed more. Network size varies by local market.

Hear the moments that matter most

With UnitedHealthcare Hearing, you can receive a hearing exam and access to one of the widest selections of prescription and non-prescription hearing aids at significant savings. Plus, you’ll receive personalized care and follow-up support from experienced hearing providers, helping you to hear better and live life to the fullest.

• Receive friendly, expert advice through our national network of 7,000+ hearing providers* - or try virtual appointments**.
• Hearing aid coverage under this plan is only available through UnitedHealthcare Hearing.
• Get personalized support to help you adjust to your new hearing aids.
• Choose from the latest technology from popular brands, including Phonak, Starkey®, Oticon, Signia, ReSound, Widex® and Unitron™
• Save thousands of dollars, up to 50% off standard industry prices, with exclusive pricing ***
  

* Please refer to your Summary of Benefits for details on your benefit coverage.

** Select products and providers.

*** Based on suggested manufacturer pricing.

Network size varies by market. Other hearing exam providers are available in the UnitedHealthcare network. The plan only covers hearing aids from a UnitedHealthcare Hearing network provider.

Vision Eye Exam and Eyewear

Take advantage of comprehensive eye exams and eyewear benefits worth looking at

With the vision benefit, you'll have access to a nationwide network of providers with the freedom to see any participating vision provider. You will have access to an annual routine eye exam through a vision provider and an allowance toward eyeglasses (frame and lenses) or contacts for vision correction, not related to cataract surgery.

• A routine eye exam once every 12 months with a $0 copay.
• $150 allowance toward eyeglasses (frames and lenses), every 12 months.
• $150 allowance toward contact lenses instead of eyeglasses, every 12 months.
• When scheduling your appointment, make sure your vision provider(s) will bill the UnitedHealthcare medical plan before receiving routine vision services routine eye exam.
• Out-of-network providers may require you to pay upfront and submit a reimbursement claim to UHC.

The network is UnitedHealthcare Medical Network with information on your UnitedHealthcare member ID card.

* Please refer to your Summary of Benefits for details on your benefit coverage.