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USU Medical Plan Comparison

USU works with Blue Cross Blue Shield to offer 2 medical networks and 3 medical insurance plans to choose from. These plans are available to benefited and ACA eligible employees. Please direct questions to the Benefits Helpdesk at (435) 797-0122

Wellness (White)

The coinsurance rate is 70/30

Deductible per Person $750
Deductible per Family $1500

Doctor Visit Co-Pay after deductible $35
Hospitalization Co-Pay after deductible $250

Maximum Out-Of-Pocket per Person $4,000
Maximum Out-Of-Pocket per Family $8,000

Generic prescription 30 day $10
Generic prescription 90 day $15
Formulary prescription 35%
Non-Formulary prescription 50%

RX Co-insurance Maximum per Person $1,750
RX Co-insurance Maximum per Family $3,500

View Summary of Benefits and Coverage.

View Premiums »

With this plan you have the option to also enroll in Flex Spending

High Premium (Blue)

The coinsurance rate is 80/20

Deductible per Person $500
Deductible per Family $1,000

Doctor Visit Co-Pay after deductible $30
Hospitalization Co-Pay after deductible $200

Maximum Out-Of-Pocket per Person $3,250
Maximum Out-Of-Pocket per Family $6,500

Generic prescription 30 day $10
Generic prescription 90 day $15
Formulary prescription 35%
Non-Formulary prescription 50%

RX Co-insurance Maximum per Person $1,500
RX Co-insurance Maximum per Family $3,000

View Summary of Benefits and Coverage.

View Premiums »

With this plan you have the option to also enroll in Flex Spending

High Deductible Health Plan (HDHP)

The coinsurance rate is 80/20

Single Deductible $1,500
Family Deductible $3,000

Doctor Visit Co-Pay after deductible 20%
Hospitalization Co-Pay after deductible 20%

Maximum Out-Of-Pocket per Person $5,000
Maximum Out-Of-Pocket per Family $10,000

Generic prescription 20% after deductible
Formulary prescription 20% after deductible
Non-Formulary prescription 20% after deductible

RX Co-insurance Maximum per Person n/a
RX Co-insurance Maximum per Family n/a

View Summary of Benefits and Coverage.

View Premiums »

The HDHP is a non-traditional plan with the option of a Health Savings Account.

Video: Winning with an HSA

Dental information can be found here