Health & Well-Being

Liberty offers two Consumer Directed Health Plan (CDHP) options – CDHP Option 1 and CDHP Option 2 for all U.S. employees outside of Hawaii¹. While the two options have the same deductibles, receive the same HSA company contribution amount and cover the same services, they have different per paycheck premiums, coinsurance levels and out-of-pocket maximums.

See how the two plans compare in the chart below:

Employees can enroll in the Liberty Mutual Health Plan:

• During Annual Enrollment each fall
• Within 30 days of hire
• Generally within 30 days of experiencing a qualified status change (e.g., getting married)

2020 Per Pay Period Premium Costs
Note: there are 27 pay periods in 2020.

Note: Employees who live in Hawaii can find health plan information about the Hawaii Preferred Provider Organization (PPO) in the Hawaii Medical Benefit Summary and the Hawaii Pharmacy Benefit Summary.

1. The employee pays 100% of their health care services and most prescription drugs until they meet the deductible.

2. Once the deductible is met, the plan and the employee pay coinsurance until the employee reaches the out-of-pocket maximum.

3. Once the employee reaches their out-of-pocket maximum, the plan pays 100% of covered services for the remainder of the calendar year.

Here are some highlights of the CDHP options:

Preventive care is covered at 100%	Non-preventive care costs go toward deductible	CDHP Option 1 and 2 are paired with an HSA
When employees visit an in-network provider, preventive care is covered at 100%. Some examples of preventive services include annual physicals, age-appropriate screenings and well-child visits.	Employees who receive non-preventive care or prescription drugs pay the full cost until they reach the annual deductible. Once the deductible is met, the employee and the plan pay coinsurance until they reach their out-of-pocket maximum.	Employees can use their HSA to help pay for eligible expenses not covered by the CDHP, plus Liberty Mutual contributes to the account annually. Watch this video for more information.

For employees who cover themselves and one or more family members under either CDHP option, both the family deductible and family out-of-pocket maximum apply. Here's how they work:

Important! Each family member's out-of-pocket costs apply toward the family maximum. However, if an employee or their family member reaches $7,350 in out-of-pocket costs for in-network care during the calendar year, the plan pays 100% coverage for that individual for the rest of the year. All other family members will continue to pay coinsurance until the full family out-of-pocket maximum is met.

Employees can search for in-network health care and behavioral health providers by logging onto myuhc.com or contacting UnitedHealthcare member services at 1-844-LIB-MUT4 (1-844-542-6884), Monday – Friday, from 8:00 a.m. – 8:00 p.m. (all time zones) for more information.

• If an employee lives in Massachusetts, Maine or New Hampshire, they can search for networks on myuhc.com using “United Healthcare Choice Plus with Harvard Pilgrim Plan.” An employee's plan ID card will include the Harvard Pilgrim Healthcare logo, which indicates that they have access to Harvard Pilgrim’s provider and facility network at in-network rates.
• If an employee lives in any other state, they can search for networks on myuhc.com using “UnitedHealthcare Choice Plus Plan.”

Note that for employees who live in Buffalo, New York, or certain areas of Pennsylvania, additional provider options may be available. Employees can contact UnitedHealthcare member services for more information.

Premium designation: Providers listed as part of UnitedHealthcare’s premium designation program have been evaluated for quality and cost efficiency based on national industry, evidence-based and medical specialty society standards, as well as market and specialty benchmarks.

For help finding an in-network provider, contact UnitedHealthcare member services at 1-844-LIB-MUT4 (1-844-542-6884), Monday – Friday, 8:00 a.m. – 8:00 p.m. (all time zones).

Keep in mind: Employees can still see out-of-network providers, but their cost for services will be higher.

Centers of Excellence for bariatric surgery visits

CDHP Option 1 and 2 participants seeking bariatric surgery must receive care through one of the more than 320 nationwide UnitedHealthcare (Optum) bariatric Centers of Excellence (COEs); otherwise, there will be no coverage under the Health Plan.

Providers and centers that belong to the UnitedHealthcare bariatric Centers of Excellence (COEs) program perform more successful bariatric procedures than many other facilities nearby.

Centers of Excellence for Fertility Solutions

Covered services are only available when received at a Center of Excellence (COE) and are paid at the in-network level. Benefits are not available at a non-COE in-network or out-of-network facility. For members who do not have access to a Fertility Solutions COE within 60 miles from their home, the member’s Fertility Solutions case manager will assist in finding a quality network provider. This is considered a “gap” exception and conditional on the member enrolling in Fertility Solutions; however, the member will still qualify for the fertility benefit.

UnitedHealthcare offers specialized health support from skilled and caring nurses. All services are confidential and provided at no additional cost to employees and their covered family members. For more information, call 1-844-542-6884.

Cancer support program 
CDHP participants can work with experienced cancer nurses who will help explain a diagnosis, review treatment options, find the right provider and give employees the support they need to manage their condition.

Maternity support program 
Experienced maternity nurses are here to help employees prepare for a smooth pregnancy and delivery. Employees can turn to them anytime they have questions or concerns during pregnancy, delivery and after the baby is born. They’ll work with the same nurse throughout their entire pregnancy (and up to six weeks after delivery). When employees enroll, they’ll receive a welcome kit that contains helpful things for themselves and the baby, including a massager, onesie and milestone stickers, to name a few

Fertility solutions
CDHP participants can receive education, treatment options and guidance throughout the treatment process, plus identify a superior facility that's right for them. They'll access the fertility Centers of Excellence (COE) network and a nurse consultant who is specially trained in reproductive health. Covered services are only available when received at a COE and are paid at the in-network level. Call Liberty Mutual Health Support for details.

Orthopedic health support program
Employees can receive information and support to relieve pain in their back, neck, shoulder, hip or knee. A nurse will help employees understand treatment options; offer coaching to support behavior change; provide estimated treatment costs and see how they could save money; help them learn to manage their pain or understand medications; assist in learning more about a certain diagnosis and treatment options; refer them to top providers, including Centers of Excellence; and help prepare for surgery and recovery, if surgery is needed. Whether an employee just started experiencing pain or has had it for a long time, an Orthopedic Health Support nurse is here to help.

Behavioral health support 
The Health Plan covers behavioral health and employees can call UnitedHealthcare to find a provider in their network. Employees can also receive specialized guidance for certain conditions: They can talk to an autism care advocate specialist, who can guide them to in-network care for children diagnosed with autism spectrum disorder. If addiction is a concern, employees can talk to a substance use treatment advocate who can educate them on treatment options and help employees identify preferred providers that meet the plan’s quality standards.

Prescription drug coverage, administered by CVS Caremark^®, is automatically provided as part of the Liberty Mutual Health Plan. CVS Caremark^® offers a large, national pharmacy network. Plus, employees can:

• Pay the lower mail-order price when they fill a 90-day maintenance prescription at a CVS retail pharmacy.
• Receive a 20% discount on CVS brand health-related items at CVS retail stores using the CVS ExtraCare^® card.

Please note: CDHP participants must meet the annual deductible before coinsurance applies. That means the employee pays the full cost of most prescriptions until they reach their deductible. At that point, the plan begins to share the cost and they pay coinsurance. There are some exceptions:

• Certain generic and brand generic preventive medications are covered at 100% with no cost to employees and aren’t subject to the deductible or coinsurance.  These drugs are listed in italics on the CVS Preventive Drug Therapy list.
• Certain brand preventive medications will not be subject to the deductible, however, coinsurance will apply. These drugs are listed in full capitalization on the CVS Preventive Drug Therapy list. 
• Access the covered Preventive Drug Therapy List (updated monthly) here.

Have a question about participating pharmacies or other prescription drug program topics? Employees can contact a CVS Caremark^® Customer Care representative any day, any time, at 1-888-562-3784.

You can access the current preventive and maintenance medication list by clicking here.

Authorization required for select medications

If a medication isn’t a preferred drug on the CVS Caremark® formulary list, it may require prior authorization.  Call CVS Caremark^® at 1-855-240-0536 to confirm if prior authorization is needed before you fill your prescription.

Drug cost estimator

Liberty aims to maintain the quality of the prescription drug program while keeping costs as low as possible. Generic and preferred brand name drugs cost less than non-preferred brand drugs. To help manage drug costs, check out prices and explore lower cost alternatives using the CVS Caremark^® drug cost estimator.