Sign in
Coverage and benefits
Get a quick overview of your plan benefits and costs and find more detailed information about additional benefits and programs.
UHC Feds PSHB 2025 Plan Options
2025 materials
Option 1: Retiree Advantage Plan (PPO)
- Summary of benefits (pdf)
- Plan guide (pdf)
- Benefit highlights (pdf)
-
Plan basics - coming soon
Option 2: Choice Plus Medical with MedicareRx PDP
- Choice Plus medical benefit summary (pdf)
- Plan guide (pdf)
-
MedicareRx PDP plan basics - coming soon
Benefits and costs
| Benefits |
Option 1: Retiree Advantage Plan (PPO) |
Option 2: Choice Plus Medical with MedicareRx PDP |
|---|---|---|
|
Option 1: Retiree Advantage Plan (PPO) |
Option 2: Choice Plus Medical with MedicareRx PDP |
|
| Medical coverage overview* | ||
| Medical coverage overview* | ||
| Deductible |
$0 |
$500 |
| Deductible | ||
|
$0 |
$500 |
|
| Annual out-of-pocket maximum |
$0 |
$7,350** |
| Annual out-of-pocket maximum | ||
|
$0 |
$7,350** |
|
| Office and clinic visits |
$0 copay primary care office visit $0 copay specialist office visit |
$0 copay primary care office visit $60 copay specialist office visit |
| Office and clinic visits | ||
|
$0 copay primary care office visit $0 copay specialist office visit |
$0 copay primary care office visit $60 copay specialist office visit |
|
| Emergency room and ambulance |
$0 copay |
20% coinsurance after deductible |
| Emergency room and ambulance | ||
|
$0 copay |
20% coinsurance after deductible |
|
| Hospital services (inpatient) |
$0 copay |
20% coinsurance after deductible |
| Hospital services (inpatient) | ||
|
$0 copay |
20% coinsurance after deductible |
|
| Hearing aid allowance |
$0 copay up to $1,500 allowance |
20% coinsurance up to $2,500 |
| Hearing aid allowance | ||
|
$0 copay up to $1,500 allowance |
20% coinsurance up to $2,500 |
|
| Part D prescriptions*** |
Yes |
Yes |
| Part D prescriptions*** | ||
|
Yes |
Yes |
|
| Rx Deductible |
$0 |
$0 |
| Rx Deductible | ||
|
$0 |
$0 |
|
| Rx annual out-of-pocket maximum |
$2,000 |
$2,000 |
| Rx annual out-of-pocket maximum | ||
|
$2,000 |
$2,000 |
|
| Prescription drug coverage |
Retail Tier 1: $5 copay Mail Order – 90-day supply Tier 1: $10 copay Once your True Out of Pocket (TROOP) reaches $2,000 you enter the Catastrophic Coverage level and will have no copay for all covered medications. |
Retail Tier 1: $10 copay Mail Order – 90-day supply Tier 1: $25 copay Once your True Out of Pocket (TROOP) reaches $2,000 you enter the Catastrophic Coverage level and will have no copay for all covered medications. |
| Prescription drug coverage | ||
|
Retail Tier 1: $5 copay Mail Order – 90-day supply Tier 1: $10 copay Once your True Out of Pocket (TROOP) reaches $2,000 you enter the Catastrophic Coverage level and will have no copay for all covered medications. |
Retail Tier 1: $10 copay Mail Order – 90-day supply Tier 1: $25 copay Once your True Out of Pocket (TROOP) reaches $2,000 you enter the Catastrophic Coverage level and will have no copay for all covered medications. |
|
| Extras | ||
| Extras | ||
| Part B premium reduction |
$150 per month |
$0 |
| Part B premium reduction | ||
|
$150 per month |
$0 |
|
| Nationwide network |
Yes |
Yes |
| Nationwide network | ||
|
Yes |
Yes |
|
| Referrals required |
No |
No |
| Referrals required | ||
|
No |
No |
|
| Worldwide emergent and routine coverage |
Yes |
No |
| Worldwide emergent and routine coverage | ||
|
Yes |
No |
|
| Free gym memberships |
Yes |
No |
| Free gym memberships | ||
|
Yes |
No |
|
| $40 quarterly over-the-counter item credit |
Yes |
No |
| $40 quarterly over-the-counter item credit | ||
|
Yes |
No |
|
| One plan – no need to coordinate benefits |
Yes |
No |
| One plan – no need to coordinate benefits | ||
|
Yes |
No |
|
Exclusively for the Retiree Advantage Plan, members receive extra benefits at no additional cost to your UnitedHealthcare Retiree Choice plan, when your coverage begins. Note these extra benefits are not applicable to the MedicareRX Part D plan. If you elect to enroll in the Retiree Advantage plan, you must continue to pay your Choice Plus plan premium and your Medicare Part B premiums. Do not suspend or cancel your Choice Plus Primary plan or you will be automatically disenrolled from the Retiree Advantage plan.
* This list is an overview and does not include all benefits. Please refer to your plan materials for full plan benefits.
** Coupons and copay assistance programs cannot be used under either the Retiree Advantage plan or the Part D prescription.
Important 2025 changes explained
For 2025, all stand-alone Medicare prescription drug plans and Medicare Advantage plans with prescription drug coverage will be impacted by changes made by the federal government. This video provides an overview of those changes.
Important Information about your Part D Vaccine and Insulin Coverage
What You Pay for Vaccines – Our plan covers most adult Part D vaccines at no cost to you.
What You Pay for Insulin – You won’t pay more than $35 for a one-month supply of each insulin product covered by our plan. Refer to your plan materials.
Preventive services
The following preventive services are covered under your plan for a $0 copay when you visit your primary care provider:
- Annual Wellness Exam
- Annual Routine Physical
- Screenings for certain Cancers (Prostate, colorectal, breast cancer)
- Screening for diabetes
- Smoking and Tobacco Use Cessation
For more information about these preventive services, please call the Customer Service number on your member ID card.