Getting the most out of your benefits
Health care is expensive. Premiums, copays, coinsurance – it all adds up. But there are ways to reduce your out-of-pocket costs.
7 ways to maximize your benefits and get the most out of your health care coverage
1. Shop around.
UnitedHealthcare offers on-demand tools so you can compare facilities, doctors and procedures to find the right quality and value for your health. For major medical procedures, you could save hundreds of dollars. Find resources on the UnitedHealthcare app.
2. Use Tier 1 specialists.
UHC has a credential for rating specialists on quality and value. When searching for a specialist using UHC’s online provider search, look for the Tier 1 designation. These specialists meet UHC’s stringent criteria, and you will pay a lower copay when you visit a Tier 1 specialist.
3. Save money with Virtual Visits.
UHC’s telemedicine benefit can save you money on doctor visits for routine illnesses. Visit with a doctor from the comfort of your home using video chat. Doctors are available 24/7 and there is no copay for this service in 2023. Learn more about Optum Virtual Care.
4. Discuss medication options with your doctor.
LCRA’s prescription drug plan categorizes drugs into three pricing tiers, with additional tiers for specialty drugs. You can search for a medication on myuhc.com or within the UnitedHealthcare app so you know exactly what you will pay before you arrive at the pharmacy. Consider having the UnitedHealthcare app available at the doctor’s office so you can have a more informed discussion about your medications and possible alternatives before leaving with the prescription.
Opting for generic medications or using OptumRX Home Delivery can help cut down on costs as well.
5. Keep up with preventive care.
LCRA’s group medical plan covers preventive care at no additional cost when you see an in-network provider. Preventive care is designed to help you stay healthy and may help catch health problems early. Preventive care includes screening tests, vaccines and wellness visits. Regular visits with your primary care doctor give you the opportunity to discuss things like quitting tobacco, healthy eating or reaching a healthy weight.
6. Get a second opinion.
If you participate in LCRA’s group retiree medical plan, you have access to 2nd.MD, an LCRA benefit that provides a free second medical opinion.
7. Ramp up wellness.
Start some healthy habits, or add some new ones to the mix. LCRA wants to help you feel great. Check out the Rally online wellness program for daily encouragement and incentives.
Just Plain Clear Glossary – look up medical and insurance jargon
Optum Virtual Care – meet with a doctor through video chat
Rally wellness – daily encouragement and incentives
2nd.MD – get a free second medical opinion
Questions? Need assistance?
866-633-2474 (Retiree Medical/Rx)
877-791-9964 (UHC Medicare supplement)