University of Cincinnati Medical Plan Summary and Comparison AAUP - Effective January 1- December 31, 2021
Covered Service
Health Saving Account/HDHP In network
Health Saving Account/HDHP Out-of-network
PPO Traditional Plan In network
PPO Traditional Plan Out-of-network
Annual Deductible
$1,500 individual $3,000 family
$3,000 per person $6,000 family
$100 individual $200 family
$400 individual $800 family
Annual Health Savings Account Funding (UC)
Varies by Annual Base Pay as of 1/1/2021
Varies by Annual Base Pay as of 1/1/2021
Not applicable
Not applicable
Copayment/co- insurance
As specified
As specified
As specified
As specified
Annual Out-of-Pocket Maximum*
$3,000 individual $6,000 family (includes in network medical and pharmacy expenses) $3,000 individual $6,000 family (includes in network medical and pharmacy expenses)
$6,000 individual $12,000 family (includes out of network medical and pharmacy expenses) $6,000 individual $12,000 family (includes out of network medical and pharmacy expenses) No maximum, except as specified Based on setting where services received.
$1,100 individual $2,200 family (Medical services only, excludes office visit and Rx copays) $8,550 individual $17,100 family (includes copays, medical and pharmacy)
$1,100 individual $2,200 family (Medical services, excludes copays)
Plan Maximum Out-of Pocket (per calendar year)**
Not applicable
Maximum Lifetime Benefit
No maximum, except as specified
No maximum, except as specified
No maximum, except as specified
Acupuncture
Based on setting where services received.
Based on setting where services received
Based on setting where services received.
Allergy Testing and Treatment/Serum
90% after deductible
70% after deductible
90% after deductible
70% after deductible
Ambulance
90% after deductible
70% after deductible
90% after deductible
90% after deductible
Anesthesia
90% after deductible
70% after deductible
90% after deductible
70% after deductible
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