Medical Insurance - FAQs

An HSA-compatible plan, also known as a High-Deductible Health Plan (HDHP), pairs lower premiums with higher deductibles and the ability to save pre-tax dollars in a Health Savings Account (HSA).

• Lower Premiums: Pay less monthly compared to traditional plans. 

• HSA Benefits: Contribute pre-tax dollars to your HSA, which can be used for qualified medical expenses. Funds grow tax-free and roll over year to year.

• Preventive Care: Most HDHPs cover preventive services at no cost before meeting the deductible.

• Cost Sharing: After meeting the deductible, you pay coinsurance until reaching the out-of-pocket maximum, after which the plan covers 100% of eligible expenses.

A Health Savings Account (HSA) is a tax-advantaged account for employees in the HDHP plan to pay for qualified medical expenses. Funds roll over year to year. HSA management is done entirely through Rippling, including:

• Viewing contributions and transaction history

• Submitting claims for reimbursement

• Paying providers directly

• Managing investments

• Accessing account and routing numbers, tax forms, and other details

Use the UnitedHealthcare (UHC) Member Portal to view plan details, track claims, and access personalized health information.

Yes! UHC offers Virtual Care, allowing members to consult healthcare providers remotely, making it easy to get care when and where you need it.

Yes! The UHC mobile app lets you:

• Access your benefits and claims on the go

• Search for providers

• Track appointments, medications, and wellness activities

It’s available for free on the App Store® and Google Play®.