Medical

Each of us has individual needs and unique family situations that require different levels of healthcare coverage. The following medical plans are provided through UnitedHealthcare (UHC):

  • Premium Plan
  • Core Plan
  • Investor Plan (HSA)
  • Comparing your medical options

    Each option…

    • Pays for preventive care at 100%. That’s right. 100%! As long as you stick to in-network providers, you’ll pay no deductible, no copay and no coinsurance for preventive care. For a full list of covered services, click here.
    • Automatically includes prescription drug coverage through Express Scripts (ESI), regardless of which option you choose.
    • Offers access to a robust provider network.
    • Provides coverage for in-network and out-of-network services, with higher benefits paid when you stay in-network for care.
    • Has an out-of-pocket maximum, which “caps” the amount you could ever pay out-of-pocket in a year.
    • Offers access to a concierge service and care management programs, including maternity support, cancer support and bariatric resource services, and more.
    Note that there are important differences, including the amount and the way you share in the cost of medical care and prescription drugs.

    To help you decide which medical plan best meets your needs, here is a side-by-side comparison of your medical plan options that highlights some of the key similarities and differences for in-network1 services. The costs shown below are what you are responsible for throughout the year for any healthcare services that you receive. For more information, visit the John Hancock Benefits Center website at http://www.ybr.com/jhancock.

    Premium Plan Core Plan Investor Plan (HSA)
    Medical Premiums $$$ $$ $
    Deductible2
    (Individual/Family)
    $250/$500 $750/$1,500 $1,500/$3,0003
    Out-of-Pocket Maximum (OOP Max)4
    (Individual/Family)
    $2,000/$4,000 $3,000/$6,000 $3,000/$6,0003
    HSA Company Contribution
    (Individual/All other coverage)
    Not applicable $500/$1,000
    Funds are deposited in January so it’s available right away for you to use! See Health Savings Account for details.
    Preventive Care5
    • In-network preventive care generally covered at 100%
    • You don't have to meet the annual deductible or pay coinsurance; office visit copays are also waived for preventive care visits
    Office Visits
    (PCP/Specialists)
    $20/$35 copay
    (Deductible does not apply)
    $30/$50 copay
    (Deductible does not apply)
    20% after deductible
    Coinsurance 10% after deductible 0% after deductible 20% after deductible
    Emergency Room Care $100/visit $150/visit 20% after deductible
    Hospital 10% after deductible 0% after deductible 20% after deductible
    Prescription Drugs
    At participating Retail Pharmacies
    (30-day supply)
    • Low Cost Generic: $5 copay
    • Generic: $10 copay
    • Formulary: 25% ($50 max)
    • Non-Formulary: 40% ($80 max)
    • Low Cost Generic: $10 copay
    • Generic: $20 copay
    • Formulary: 25% ($50 max)
    • Non-Formulary: 40% ($80 max)
    20% after the deductible
    (except for certain preventive drugs, which bypass the deductible)
    At participating Retail Pharmacies
    (90-day supply)
    • Low Cost Generic: $15 copay
    • Generic: $30 copay
    • Formulary: 25% ($150 max)
    • Non-Formulary: 40% ($240 max)
    • Low Cost Generic: $30 copay
    • Generic: $60 copay
    • Formulary: 25% ($150 max)
    • Non-Formulary: 40% ($240 max)
    20% after the deductible
    (except for certain preventive drugs, which bypass the deductible)
    Mail Order
    (90-day supply)
    • Low Cost Generic: $15 copay
    • Generic: $25 copay
    • Formulary: $60 copay
    • Non-Formulary: $100 copay
    • Low Cost Generic: $30 copay
    • Generic: $50 copay
    • Formulary: $60 copay
    • Non-Formulary: $100 copay
    20% after the deductible
    (except for certain preventive drugs, which bypass the deductible)

    1 For information on out-of-network benefits, please visit the John Hancock Benefits Center website at http://www.ybr.com/jhancock. Members who access providers out-of-network will need to obtain an itemized receipt and submit a claim form which can be downloaded from myUHC.com. The member will be responsible for any charges over the reasonable and customary charge allowed by UHC in addition to the applicable out-of-network cost share.

    2 The Premium and Core medical plan options both have an embedded deductible, whereas the Investor Plan (HSA) has a non-embedded deductible.

    3 Under the Investor Plan (HSA) plan, both medical and prescription drug expenses count toward the deductible and out-of-pocket maximum. Once the out-of-pocket maximum has been met, the plan pays 100% of eligible medical expenses.

    4 The Premium and Core medical plan options both have an embedded out-of-pocket maximum, whereas the Investor Plan (HSA) has a non-embedded out-of-pocket maximum.

    5 Listing of covered preventive care services can be found at https://www.uhc.com/health-and-wellness/preventive-care.

    Need a health care refresher?

    To learn more about how the deductible and out-of-pocket maximums work under each plan, visit the Guided Experience Decision Support Tool.

  • Determining which medical plan is right for you

    To help you decide which benefits options may best meet your needs, take advantage of the following tools and resources to help you make an informed decision:

    Compare your medical options. As you evaluate your medical options, look closely at the differences in the way you share the cost of medical care and any pre-tax savings opportunities. See Comparing your medical options above for details.
    Guided Experience Decision Support Tool. This tool will help you navigate your medical, dental and vision options and help you choose which plan options may best meet your needs.
    Enrolling in a plan for the first time or changing plans? Review the health plans overview.
  • Looking for an in-network provider?

    To find an in-network provider, click here.

  • Medical plan tobacco user surcharge

    Are you a tobacco user? We assess an annual $600 surcharge (paid on a pre-tax basis) on the cost of medical coverage to employees who use tobacco products.

    To avoid the surcharge, complete a tobacco cessation program during the year through UHC called Quit For Life, which offers coaching and confidential, personalized support (via phone, text or email) to help create a quit plan that works for you. Once you have completed the program, contact the John Hancock Benefits Center at 866-927-4968, Monday through Friday from 8:30 a.m. to 4:30 p.m., ET. You can also use the Stay Fit Benefit to reimburse you for a tobacco cessation program of your choice, as well as access public resources to help you quit.

    Looking to quit using tobacco?

    Here are a few helpful resources:

  • Care Management Programs

    UnitedHealthcare members who are managing personal, emotional, and health conditions will find a variety of resources and people to talk with for help in managing their health. These confidential services are available at no extra cost, and were created to help you live a healthier, happier life. For more information on these programs, click here.

  • ID Cards

    If you enroll in a John Hancock medical plan, you will receive one ID card for both Medical and Prescription Drug coverage. For instructions on how to order additional cards, replacement cards or for more information, click here.

John Hancock and Manulife Financial reserve the right to modify or amend, at any time and in any way whatsoever, the terms of these plans, including eligibility requirements, and to terminate the plans completely.