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)

2019 Bi-Weekly Premium Costs

Note: If you live in Hawaii, you can find health plan information about the Hawaii Preferred Provider Organization (PPO) in the Hawaii Benefits 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 
CDHP participants can connect with an experienced maternity nurse who can answer their questions, provide information and support during this exciting life change. Participants who enroll early may receive their choice of popular books.

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.

Spine and joint solution 
CDHP participants will receive information and support to relieve back, knee or hip pain. An orthopedic team will go over treatment options (surgical and nonsurgical), help employees decide where to go for care and help prepare employees for surgery and recovery.

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.
• Receive discounts at MinuteClinic at select CVS retail stores for urgent, non-emergency health care.

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 the deductible. At that point, the plan begins to share the cost and the employee pays coinsurance. Certain preventive medications are covered 100%. Certain generic maintenance medications for some conditions (e.g., generic medications to control high blood pressure) aren't subject to the deductible – the employee and the Health Plan share in the cost.

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.

Find the nearest CVS Pharmacy 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. Employees can review the list of drugs requiring prior authorization and a list of lower cost alternatives covered under the formulary. Employees may want to discuss these alternatives with their doctor. If they still want to use the medication that's not a preferred drug on the CVS Caremark^® formulary list, the physician should call CVS Caremark^® at 1-855-240-0536 to request prior authorization before the employee fills the medication.

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.