Your Health

Three medical plan options

DriveTime offers three medical plan options—the UnitedHealthcare PPO plan (UHC PPO), the UnitedHealthcare high-deductible health plan (UHC HDHP) and the Surest Defined Copay plan (Surest Copay).

Choosing the right medical plan is an important decision. Take the time to learn about your options and select the right plan for you and your family. Here are some general differences between the three plans:

Here is an overview of how coverage works for each plan, based on three key components:

1: Your Deductible

The amount you pay for medical services before the insurance plan will begin to pay. 

UHC PPO In-Network Deductible:	UHC HDHP In-Network Deductible:	Surest Copay In-Network Deductible:
• Individual: $1,500 • Family: $3,000	• Individual: $3,500 • Family: $7,000	$0

2: Your Coinsurance

You and the insurance plan share expenses in a specified ratio after you meet the deductible until you reach the out-of-pocket maximum (OOP max).

UHC PPO In-Network Deductible:	UHC HDHP In-Network Deductible:	Surest Copay In-Network Coinsurance:
20%	20%	There is no coinsurance. You pay a copay for your services until you reach your out-of-pocket maximum.

3: Your Out-of-Pocket Maximum

The maximum amount of money you will pay for medical services during the plan year. It is the sum of your deductible and coinsurance payments.

UHC PPO In-Network Deductible:	UHC HDHP In-Network Deductible:	Surest Copay In-Network Out-of-Pocket Maximum:
• Individual: $3,500 • Family: $7,000	• Individual: $5,000 • Family: $10,000	• Individual: $4,000 • Family: $8,000

Your HSA

DriveTime will match your contributions dollar-for-dollar up to the following amounts:

• Employee-only: $400
• All other levels: $700

Take a Closer Look

For complete details on each of the three medical plan options, including more information on coverage, rates, and how the plans work, view or download the Benefits Owner’s Manual [PDF] . 

Questions?

UnitedHealthcare Members: Call 1-844-298-8934 to get connected to a UnitedHealthcare Health Advocate, visit the myuhc.com®  website or download the UnitedHealthcare® app on the App Store®  or Google Play™ .

Surest Members: Call 1-866-683-6440 to get connected to Surest member services, visit benefits.surest.com or download the Surest app on the App Store® or Google Play™.

Working with the right doctor—including a primary care physician who knows you and your health history—is one of the most important things you can do to maintain good health and wellbeing. UnitedHealthcare makes it easier to find doctors who are recognized for delivering quality, cost-efficient care with the UnitedHealth Premium^® program.*

Premium Care Physicians are more likely to give you the care you need, with:

• Fewer complications
• Fewer do-over surgeries
• Fewer unnecessary lab tests, MRIs, and medications

To find a Premium Care Physician near you, look for two blue hearts next to their name. UnitedHealthcare members visit myuhc.com or the UnitedHealthcare® app on the App Store®  or Google Play™ . Surest members visit benefits.surest.com or the Surest app on the App Store or Google Play.

*The UnitedHealth Premium program is not available in St. Louis, Missouri.

Have a map, plan ahead. Those are good ideas for road trips—and health care. The emergency room (ER) is the right place to go in a real emergency, but that’s not always the level of care you need. For everything else, you’ll save time and money by exploring your options—including Teladoc^®, where you can see and talk to a doctor online, anytime. Compare your care options below so you know where to go.

Teladoc

($0; all plans)

If you are enrolled in our medical plans, DriveTime provides 24/7/365 access to licensed physicians through Teladoc at no additional cost. Make an appointment with a physician right from your phone or computer and get care without leaving your house. Get started on the Teladoc website.

Ideal for:

• Sore throat
• Cough/cold
• Rash
• Pink eye
• Bladder infection
• Many other minor conditions

Primary Care Physician

(UHC PPO: $20 copay; UHC HDHP: 10% after deductible, Surest Copay: $10 – 65 copay))

For care during normal office hours, it may be best to go to your primary care doctor. He or she knows your health history and can provide follow-up care or refer you to a specialist, if needed. Save money by selecting a Premium Care Physician.

Ideal for:

• Routine checkups
• Immunizations
• Preventive services
• Condition management
• Non-urgent medical issues 

Urgent Care Center

(UHC PPO: $75 copay; UHC HDHP: 20% after deductible, Surest Copay: $35 copay)

Urgent care centers typically don’t require an appointment and are often open in the evenings and on weekends. In-network urgent care centers are faster and much less expensive than the ER.

Ideal for:

• Severe vomiting or fevers
• Cuts or burns
• Sprains and strains
• Non-emergency illness or injuries

Emergency Room

(UHC PPO: $250 copay + 20% after deductible; UHC HDHP: 20% after deductible, Surest Copay: $350 copay)

In the case of a true medical emergency, go to the ER. At the ER, true emergencies are treated first and other cases must wait—sometimes for hours. And, it will cost you a lot more to get care at the ER.

For true emergencies only, such as:

• Possible heart attack or stroke
• Uncontrollable bleeding 
• Major burns or fractures
• Severe allergic reactions 
• Difficulty breathing  

Not Sure Where to Go? Speak with a Health Advocate

($0; all plans)

UnitedHealthcare Members call 1-844-298-8934; Surest Members call 1-866-683-6440 for help deciding where to go and to find an in-network provider near you.

More than a second opinion, a second chance. With 2nd.MD, you have direct access to elite specialists across the country to provide you with educational information so you can feel confident about your medical treatment decisions. A dedicated Care Team nurse will work with you to learn about your condition, answer questions, and connect you with the best specialist for your needs. DriveTime provides access to 2nd.MD health services at no cost to you and your family members covered by the UnitedHealthcare medical plan.

Visit 2nd.MD website or call to request a consult at 1-866-269-3534.

Get the green light on saving some green. Check out these simple things you can do to help keep costs down and get the care you need without sacrificing quality.

Get Preventive Care
Take advantage of 100% coverage when you use in-network providers for annual physicals, immunizations, and preventive care. See what types of preventive care may be right for you on the UnitedHealthcare Preventative Care website.

Stay In-Network and Use Premium Care Physicians
You’ll pay less when you use UnitedHealthcare in-network providers and potentially even more with Premium Care Physicians. These doctors are known for delivering quality, cost-effective care. To choose smart, look for two blue hearts next to doctors’ names.

Know Where to Go for Care
In a true emergency, call 911 or go to the nearest emergency room. For everything else, you’ll save time and money by exploring your options.

Not sure where to start?
-UnitedHealthcare Members: Use the cost estimator tool and search for a physician on the myuhc.com® website or the UnitedHealthcare® app on the App Store®  or Google Play™ .
-Surest Members: Visit benefits.surest.com or the Surest app on the App Store or Google Play to compare costs and search for a physician.

The information on this website provides just a snapshot of your health plan benefits. For complete details, including information on coverage and exclusions, please refer to your Summary Plan Description (SPD).

If you have questions about the SPD, email your Total Rewards Team.