2024-2025 Armor Health Benefits Guide
MEDICAL + GAP TOGETHER Understanding the coordination of your health and GAP plan benefits will provide more clarity on the value you and your covered family members receive. The following examples illustrate the out-of-pocket costs of each health plan offered to assist your decision-making process when electing medical benefits. How does it work with UnitedHealthcare Choice Plan?
EPO GAP | Individual Benefit | $4,000 4 Outpatient surgery is covered after meeting plan’s deductible
Consider this...
Your Orthopedic Doctor Calls You need shoulder surgery.
Choice Plan Annual Individual
Surgery will be performed at an Outpatient Surgical Facility.
4 You’re responsible for the entire out-of-pocket expense
Deductible & Out-of-Pocket $8,150
Office confirms estimated
4 GAP covers this expense under the plan’s outpatient benefit 4 Maximum out-of-pocket cost after GAP benefit is applied:
contracted cost with insurance
Estimated Out-of-Pocket Cost:
$4,300
$300
How does it work with UnitedHealthcare Choice+?
HSA GAP | Individual Benefit | $5,400 4 HSA plans cover medical expenses after meeting plan’s deductible 4 You’re responsible for the entire ER out-of-pocket expense 4 GAP covers this expense under the plan’s outpatient benefit once $1,600 of health plan’s overall deductible has been met. 4 Maximum out-of-pocket cost after GAP benefit is applied:
Consider this...
Accident – Ankle Injury
Suffered accident tripping over your kid’s LEGOs!
Potential ankle sprain.
Choice+ Plan Annual Individual
You go to Hospital ER
Deductible & Out-of-Pocket $7,000
After triage, clerk sees you to collect contracted insurance estimate.
Estimated Out-of-Pocket Cost:
$4,200
$1,600
9
Made with FlippingBook - Online Brochure Maker