Medical Insurance Overview
Good employee health is beneficial to everyone. It reduces stress and provides a longer, more enjoyable life. Good employee health also increases employee productivity and lowers healthcare costs.
ORNL offers medical coverage through UnitedHealthcare (UHC). This plan also includes prescription and vision coverage. The Consumer Choice Plan offers a Health Savings Account (HSA), if eligible. Select your personal HSA contributions if you want your deductions to start in January 2024.
Medical Coverage Details
In 2024, the deductibles for the Consumer Choice medical plan will increase to $1,600 (individual coverage) and $3,200 (dual and family coverage). This change is due to the IRS adjusting the minimum deductibles for the high deductible health plans to qualify for a Health Savings Account. The out-of-pocket maximums will remain the same at $2,500 (individual) and $5,000 (dual and family).
Good News: Medical premiums will remain the same for employees.
The 2024 deductible amounts and the prescription drug enhancement of a 90-day supply for maintenance medications at network retail pharmacies will be updated in the 2024 SPD. These changes are reflected in the 2024 Summary of Benefits and Coverage.
To review your coverage details, select the resource below that matches your employee status.
- Consumer Choice Frequently Asked Questions
- Consumer Choice Medical Plan Guide for All Employees
- Salaried Employees Medical, Prescription and Vision SPD
- ATLC Employees Medical, Prescription and Vision SPD
- IGUA CAS Employees Medical, Prescription and Vision SPD
- IGUA SPO Employees Medical, Prescription and Vision SPD
- 2024 Summary of Benefits and Coverage – Consumer Choice
Find a Doctor
To find a doctor:
If you are a current UHC member, visit myuhc.com and use the Find a Doctor tool to learn more about your in-network providers and estimate your potential costs for services or call UHC at 1-844-234-7925.
If you are not a UHC member, visit whyuhc.com, Find a Doctor, All UHC Plans, Choice Plus to explore in-network providers and estimate your potential costs for services before you enroll in a health plan or call UHC at 1-844-234-7925.
Prescription Drug Coverage
Prescription Changes: Beginning in January, employees will have the opportunity to fill their 90-day supply of maintenance medications at in-network retail pharmacies. Express Scripts mail order is no longer mandatory, but mail is still available. Reminder: Prescriptions are included in the deductible and out-of-pocket maximum.
After three 30-day fills of a maintenance medication, if you do not fill for a 90-day supply, you will be responsible for the full cost of the medication and the cost will not apply toward your deductible or out-of-pocket maximum. Non maintenance medications and new prescriptions can continue to be filled at a 30-day supply at a retail pharmacy.
Do you need help managing your diabetes? If you are enrolled in one of ORNL’s medical plans, take advantage of enrolling with Livongo. Get started today on improving your health.
Do you or a family member require specialty medications? Accredo Specialty Pharmacy is there to help you. Watch this short video for more information.
Vision Coverage
Vision care benefits are provided by Vision Services Plan (VSP).
Vision benefits are provided as part of your medical plan. Vision Service Plan (VSP) provides the Signature Choice plan for all UHC plans.
The plan features include:
- Exams are covered in full, every 12 months
- If you wear glasses: Lenses are covered every 12 months; Frames are covered up to $120, every 24 months
- If you wear contacts: Contact Lenses are covered up to $120, every 12 months (includes contacts & exam)
- Laser vision correction is provided at reduced cost through VSP network doctors and contracted laser surgery centers
The VSP network
Many optometrists and ophthalmologists participate in the VSP network. To verify that your provider participates in the plan, visit the VSP website and go to the Members and Consumers area to use the provider search feature. You can also sign in and view the benefits available for you and your dependents enrolled in the plan. In addition, VSP provides excellent Eyecare Information on the site.
To view your vision benefits at a glance, visit www.vsp.com
Tools & Resources