Medical
To enroll, follow the additional instructions at the bottom of the page.
Viega offers two medical plan options through UMR, which utilize the UnitedHealthcare Choice Plus network.
The plans offer in- and out-of-network benefits, providing you the freedom to choose any provider. However, you will pay less out of your pocket when you choose a network provider. Locate a network provider at umr.com.
Before you enroll in medical coverage, take some time to fully understand how each plan works.
Medical Costs
Listed below are the biweekly costs for medical insurance. The amount you pay for coverage is deducted from your paycheck on a pre-tax basis.
MEDICAL INSURANCE
The table below summarizes the benefits of each medical plan.
The coinsurance amounts listed reflect the amount you pay. Please refer to the official plan documents for additional information on coverage and exclusions.
(1) The amount the plan pays for covered services is based on the allowed amount. If an out-of-network provider charges more than the allowed amount, you may have to pay the difference. This is called balance billing.
ARE YOU COVERING YOUR SPOUSE AND/OR CHILDREN?
If you elect employee + spouse, employee + child(ren), or family coverage, the individual deductible and out-of pocket max apply to each covered member of the family (capped at family amount).
KEY TERMS TO KNOW
In-network preventive care is free for medical plan members.
The Americhem medical plans pay 100% of the cost of preventive care when received from a network provider. This means you won’t have to pay anything out of your pocket.
WHAT IS PREVENTIVE CARE?
The focus of preventive health care is to PREVENT illnesses, disease, and other health problems, and to DETECT issues at an early stage when treatment is likely to work best.
WHY IS PREVENTIVE CARE IMPORTANT?
It is important that you have a preventive exam each year—even if you feel healthy and are symptom free—in order to IDENTIFY FUTURE HEALTH RISKS.
WHAT'S COVERED?
Covered preventive services VARY BY AGE AND GENDER. Talk with your provider to determine which screenings, tests, and vaccines will be covered, when you should get them, and how often.
SAVE MONEY ON YOUR HEALTH CARE
Choose an in-network provider.
Choose an in-network provider and you’ll pay less out of your pocket. Why? Because in-network doctors and facilities contract with the insurance company and agree to charge a lower price for
services.
Request an in-network lab.
When your doctor orders a test, confirm that an in-network lab will be used. If your tests are sent to an out-of-network lab, you may incur additional out-of-pocket expenses.
Check your explanation of benefits.
After your appointment, review your explanation of benefits (EOB) and provider bill to confirm you were billed correctly.
Note: Some services are generally not considered preventive if you get them as part of a visit to diagnose, monitor, or treat an illness or injury. Please be aware that you will be responsible for the cost of any non-preventive care services you receive at your preventive care exam based on your plan design. Learn more about preventive care at cigna.com.
Know where to go for your health care.
Where you go for medical services can make a big difference in how much you pay and how long you wait to see a health care provider. Use the chart below to help you choose where to go for care.
