Making Your Benefit Choices

Choose from two UnitedHealthcare (UHC) plans – the ADI Network Only plan (HMO type) and the ADI Saver Plan with HSA plan, a qualified High Deductible Health Plan. Employees in California and in the Northwest also have the option of – Kaiser California (Northern California and Southern California) and Kaiser NW. And, if you have coverage through another plan, for example your spouse's employer's plan, you can elect the Medical Waiver option and receive cash in your paycheck.

So how do you decide which plan is best for you and your family? Ultimately the choice is yours and depends on your personal situation.

At a high level, the two UHC Plans are similar because:

• Both use the same extensive national network of UHC health care providers and pharmacies, and both cover the same medical and prescription services (Note, employees residing in MA, ME or NH, use the Harvard Pilgrim network).
• Both plans emphasize the importance of preventive care and include routine preventive care exams, cancer screenings (mammograms and colonoscopies) and some preventive prescriptions covered at 100%.

But the plans are very different in these ways:

• You pay much less out of your paycheck for the ADI Saver Plan with HSA – close to $2,500 less for family coverage – than if you were enrolled in the ADI Network Only Plan.
• Employees who enroll in the ADI Saver Plan with HSA can open a Fidelity Health Savings Account (HSA), funded by you and ADI, and it can be used to pay for current or future eligible healthcare expenses – tax-free!
• ADI makes a generous annual HSA contribution to eligible ADI Saver Plan with HSA members – $600 if you have employee only coverage and $1,200 if you enroll in family coverage. The money in your account is yours to keep and rolls over from year to year – you never lose it.
• With the ADI Saver Plan with HSA plan you can receive your care from any licensed provider, in or out of the UHC provider network, and you'll pay less when you choose an in-network provider. With the ADI Network Only Plan, you must receive all of your care from in-network providers; there is no coverage for out-of-network care.