How prescription drug coverage works with the Basic and Premium HSA Plans

If you are enrolled in the UHC Basic or Premium HSA medical plan, you will pay the full cost of your non-preventive prescriptions until you meet the deductible, just like with the rest of your eligible medical expenses. There are no prescription drug copays in the Basic and Premium HSA medical plans. So keep in mind that if you choose one of the HSA medical plans, you will likely pay more at the pharmacy counter if you haven't met your deductible, but you can use your tax-free HSA funds to pay for your prescription drugs. Prescription costs count toward meeting your plan deductible and out-of-pocket maximum.

Your prescription drug benefits – Basic and Premium HSA Plans

The following table shows your prescription drug benefits available to you when you enroll in the Basic and Premium HSA medical plans.

Important terms

Copay: The flat dollar amount you are required to pay per prescription.

Coinsurance: The percentage of the cost that you are required to pay per prescription.

Certain prescription drug products or pharmaceutical products for which benefits are described in this Benefits Summary are limited to a certain amount of medication covered per copay or coinsurance or in a specific time period.


Prescription costs and coinsurance
If your deductible has not been met	If your deductible has been met
You pay the full cost of your prescription drugs until your plan deductible is met. Under the Affordable Care Act (ACA), some preventive medications are covered at 100% with no deductible requirement. In addition, Stryker will cover certain Core Plus Preventive Medications for the Basic and Premium HSA plans before the deductible is met with only the appropriate coinsurance applied. For an up-to-date Core Plus Preventive Drug List, visit www.myuhc.com or call UHC at 800 387 7508.	You pay the applicable coinsurance amount for your prescription drugs until your out-of-pocket maximum has been reached. The coinsurance amounts are: Premium HSA Medical Plan: You pay 20%, after deductible. Basic HSA Medical Plan: You pay 30%, after deductible.