Medical Coverage
Like cars, medical coverage comes with lots of options. DriveTime offers health plans that give you choice and flexibility, as well as resources for helping you choose quality care for the best possible value. Need help figuring it all out?
Three medical plan options
DriveTime offers three medical plan options—the UnitedHealthcare PPO plan (UHC PPO), the UnitedHealthcare high-deductible health plan (UHC HDHP) and the Surest Defined Copay plan (Surest Copay).
Choosing the right medical plan is an important decision. Take the time to learn about your options and select the right plan for you and your family. Here are some general differences between the three plans:
| UHC PPO Plan |
|---|
| In-network preventive care is covered 100% |
| Higher cost per paycheck |
| Lower deductible |
| You can fund a health care flexible savings account (FSA) |
| UHC HDHP |
|---|
| In-network preventive care is covered 100% |
| Lower cost per paycheck |
| Higher deductible |
| You can fund a health savings account (HSA), which includes funding assistance from DriveTime |
| Surest Copay Plan |
|---|
| In-network preventive care is covered 100% |
| Mid cost per paycheck |
| No deductible |
| You can fund a health care flexible savings account (FSA) |
Here is an overview of how coverage works for each plan, based on three key components:
| 1: Your Deductible |
|---|
The amount you pay for medical services before the insurance plan will begin to pay.
| UHC PPO In-Network Deductible: | UHC HDHP In-Network Deductible: | Surest Copay In-Network Deductible: |
| • Individual: $1,500 • Family: $3,000 | • Individual: $3,750 • Family: $7,500 | $0 |
| 2: Your Coinsurance |
|---|
You and the insurance plan share expenses in a specified ratio after you meet the deductible until you reach the out-of-pocket maximum (OOP max).
| UHC PPO In-Network Deductible: | UHC HDHP In-Network Deductible: | Surest Copay In-Network Coinsurance: |
| 20% | 20% | There is no coinsurance. You pay a copay for your services until you reach your out-of-pocket maximum. |
| 3: Your Out-of-Pocket Maximum |
|---|
The maximum amount of money you will pay for medical services during the plan year. It is the sum of your deductible and coinsurance payments.
| UHC PPO In-Network Deductible: | UHC HDHP In-Network Deductible: | Surest Copay In-Network Out-of-Pocket Maximum: |
| • Individual: $4,000 • Family: $8,000 | • Individual: $7,000 • Family: $14,000 | • Individual: $4,000 • Family: $8,000 |
| Your HSA |
|---|
DriveTime will match your contributions dollar-for-dollar up to the following amounts:
• Employee-only: $100
• All other levels: $350
Take a Closer Look
For complete details on each of the three medical plan options, including more information on coverage, rates, and how the plans work, view or download the Benefits Owner’s Manual [PDF] .
Questions?
UnitedHealthcare Members: Call 844-298-8934 to get connected to a UnitedHealthcare Health Advocate, visit the myuhc.com® website or download the UnitedHealthcare® app on the App Store® or Google Play™ .
Surest Members: Call 866-683-6440 to get connected to Surest member services, visit benefits.surest.com or download the Surest app on the App Store® or Google Play™.
| UHC PPO PLAN |
|---|
| UHC HDHP |
|---|
| Surest Copay Plan |
|---|
Working with the right doctor — including a primary care physician who knows you and your health history — is one of the most important things you can do to maintain good health and wellbeing. UnitedHealthcare makes it easier to find doctors who are recognized for delivering quality, cost-efficient care with the UnitedHealth Premium® program.*
Premium Care Physicians are more likely to give you the care you need, with:
- Fewer complications
- Fewer do-over surgeries
- Fewer unnecessary lab tests, MRIs, and medications
To find a Premium Care Physician near you, look for two blue hearts next to their name. UnitedHealthcare members visit myuhc.com or the UnitedHealthcare® app on the App Store® or Google Play™ .
*The UnitedHealth Premium program is not available in St. Louis, Missouri.
Surest members have the power to shop for health care like they do everything else — online, via an app — to compare prices and options before a visit. The app’s search feature provides members with near-instant information like providers, prices, and treatment options so they can shop around and find what’s right for them and their budget.
Surest Care Rating
With Surest, high-value care often has a lower copay. Look for the Surest Care Rating icon to help you navigate care options and find ways to save.
Surest evaluates providers on services they offer based on their past effectiveness and cost efficiency performance. Then, we assign higher Care Ratings — and lower copays — for higher performing providers. When copays are the same for different providers/locations, the Care Rating may still vary based on past performance factors.
Surest Members: Call 866-683-6440 to get connected to Surest member services, visit benefits.surest.com or download the Surest app on the App Store® or Google Play™.
Have a map, plan ahead. Those are good ideas for road trips—and health care. The emergency room (ER) is the right place to go in a real emergency, but that’s not always the level of care you need. For everything else, you’ll save time and money by exploring your options—including Teladoc®, where you can see and talk to a doctor online, anytime. Compare your care options below so you know where to go.
| Virtual Visits |
|---|
| UHC PPO PLAN |
|---|
| UHC HDHP |
|---|
| Surest Copay Plan |
|---|
UnitedHealthcare offers members options for virtual visits with local providers or by using preferred national providers. Make an appointment with a physician right from your phone or computer and get care without leaving your house. 24/7 Virtual Visits offers convenient, around-the-clock access to quality care through Teladoc Health and other trusted virtual providers. Visit the UHC portal at myuhc.com or the UnitedHealthcare® app on the App Store® or Google Play™ , to find 24/7 Virtual Visits.
Ideal for:
- Sore throat
- Cough/cold
- Rash
- Pink eye
- Bladder infection
- Many other minor conditions
Surest features virtual care options from our network of providers as a seamless part of the experience.
- Virtual care options appear in the search experience, often first on the page of a search
- See clear, upfront copays
- There may be multiple virtual providers to choose from
Virtual care coverages include:
- 24/7 Virtual Visits
- Urgent care
- Speech therapy
- Mental health therapy
- Migraine clinic
- Primary care
- Sleep clinic
- Substance use support
- Women’s health
- Serious mental illness
- Gastroenterology
- Eating disorder
- Intensive outpatient therapy
- Exercise therapy
Visit the Surest website at benefits.surest.com or the Surest app on the App Store® or Google Play™.
| Primary Care |
|---|
| UHC PPO Plan |
|---|
| $20 copay |
| UHC HDHP |
|---|
| 10% after Deductible |
| Surest Copay Plan |
|---|
| $10 – 65 copay |
For care during normal office hours, it may be best to go to your primary care doctor. He or she knows your health history and can provide follow-up care or refer you to a specialist, if needed. Save money by selecting a Premium Care Physician.
Ideal for:
- Routine checkups
- Immunizations
- Preventive services
- Condition management
- Non-urgent medical issues
Shop for Care with Surest
Surest members can shop for health care just like they do everything else — online or through the app — to compare prices and options before a visit. The app’s search feature provides near-instant information on providers, prices, and treatment options, helping members find care that fits their needs and budget.
Surest Care Rating
With Surest, high-value care often comes with a lower copay. Look for the Surest Care Rating icon to navigate care options and discover ways to save.
Surest evaluates providers based on the effectiveness and cost efficiency of the services they offer. Higher-performing providers receive higher Care Ratings — and lower copays. When copays are the same across providers or locations, Care Ratings may still vary based on past performance factors.
| Urgent Care Center |
|---|
(UHC PPO: $75 copay; UHC HDHP: 20% after deductible, Surest Copay: $35 copay)
Urgent care centers typically don’t require an appointment and are often open in the evenings and on weekends. In-network urgent care centers are faster and much less expensive than the ER.
Ideal for:
- Severe vomiting or fevers
- Cuts or burns
- Sprains and strains
- Non-emergency illness or injuries
| Emergency Room |
|---|
| UHC PPO Plan |
|---|
| $250 copay + 20% after deductible |
| UHC HDHP |
|---|
| 20% after Deductible |
| Surest Copay Plan |
|---|
| $350 copay |
In the case of a true medical emergency, go to the ER. At the ER, true emergencies are treated first and other cases must wait — sometimes for hours. And, it will cost you a lot more to get care at the ER.
For true emergencies only, such as:
- Possible heart attack or stroke
- Uncontrollable bleeding
- Major burns or fractures
- Severe allergic reactions
- Difficulty breathing
In the case of a true medical emergency, life- and limb-threatening emergencies, go to the ER. If you go to the emergency room, you pay the emergency room copay.
If you need emergency surgery and/or need to be admitted to the hospital, the emergency room copay is waived, and you will be responsible for the inpatient hospital emergency admit copay.
| Not Sure Where to Go? Speak with a Health Advocate |
|---|
($0; all plans)
UnitedHealthcare Members call 844-298-8934; Surest Members call 866-683-6440 for help deciding where to go and to find an in-network provider near you.
More than a second opinion, a second chance. With 2nd.MD, you have direct access to elite specialists across the country to provide you with educational information so you can feel confident about your medical treatment decisions. A dedicated Care Team nurse will work with you to learn about your condition, answer questions, and connect you with the best specialist for your needs. DriveTime provides access to 2nd.MD health services at no cost to you and your family members covered by the UnitedHealthcare medical plan.
Visit 2nd.MD website or call to request a consult at 866-269-3534.
| UHC PPO PLAN |
|---|
| UHC HDHP |
|---|
| Surest Copay Plan |
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Get the green light on saving some green. Check out these simple things you can do to help keep costs down and get the care you need without sacrificing quality.
Get Preventive Care
Take advantage of 100% coverage when you use in- network providers for annual physicals, immunizations, and preventive care. See what types of preventive care may be right for you on the UnitedHealthcare Preventative Care website.
Stay In-Network and Use Premium Care Physicians
You’ll pay less when you use UnitedHealthcare in-network providers and potentially even more with Premium Care Physicians. These doctors are known for delivering quality, cost-effective care. To choose smart, look for two blue hearts next to doctors’ names.
Know Where to Go for Care
In a true emergency, call 911 or go to the nearest emergency room. For everything else, explore your options and leverage all of the virtual care options.
Know Where to Go for Care
Use the cost estimator tool and search for a physician on the myuhc.com® website or the UnitedHealthcare® app on the App Store® or Google Play™ .
The Surest plan is designed to show you actual prices (not estimates) and treatment options to help you make decisions about where and how to get care. If you have a life-threatening condition, call 911 or go to the ER. For everything else, check your Surest account to find physician prices, treatment options, and ways to save before you get care.
Care Options At a Glance
- Virtual Care – See a physician for acute, urgent, primary, mental, or specialty needs. Many virtual care providers are available 24/7. You can get care where and when it’s most convenient for you.
- Primary – Care from a physician who may know you best, in-office or telehealth visit
Urgent Care – Serious conditions that aren’t generally life-threatening - Emergency room – Life- and limb-threatening emergencies
Not sure where to start?
Visit benefits.surest.com or the Surest app on the App Store® or Google Play ™ to compare costs and search for a physician.
The information on this website provides just a snapshot of your health plan benefits. For complete details, including information on coverage and exclusions, please refer to your Summary Plan Description (SPD).
If you have questions about the SPD, create a Help case in Workday.
Have a Health or Benefit Question? An Advocate Can Help.
UnitedHealthcare Members: Call 844-298-8934 to get connected to a UnitedHealthcare Health Advocate, visit the myuhc.com® website or download the UnitedHealthcare® app on the App Store® or Google Play™ .
Surest Members: Call 866-683-6440 to get connect to Surest member services, visit benefits.surest.com or download the Surest app on the App Store or Google Play.