Health & well-being

Liberty offers three health plan options. Two Consumer Directed Health Plan (CDHP) options — CDHP Option 1 and CDHP Option 2 — and the EPO Option — for all U.S. employees outside of Hawaii.¹ All three cover the same services and are administered by UnitedHealthcare, but there are important differences as outlined in the chart below:

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

Refer to the 2021 Premium costs for health, dental and vision rates.

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)

2022 Per pay period premium costs
Note: there are 26 pay periods in 2022.

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

Preventive care is a type of medical care that focuses on both disease prevention and health maintenance. Under the CDHP options and EPO health plan, in-network preventive care and certain preventive drugs (e.g., generic contraceptives) are covered at 100% before the deductible is met. This means an employee pays nothing out of pocket. For certain maintenance drugs (such as those for managing blood pressure), employees don't need to meet the deductible, but coinsurance still applies. Covered in-network preventive care services include:

• Adult physical exams and well-child visits
• Age- and gender-appropriate preventive services, including pap tests, colonoscopies and mammograms*
• Immunizations
• Prenatal visits and screenings

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 CDHP Option 1 and 2:

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.

For the EPO:

Each family member has their own deductible and the family has a separate deductible. The individual deductible is embedded in the family deductible, so no one family member can contribute more than their individual amount toward the family deductible. The out-of-pocket costs that a family member pays to reach their individual deductible also count towards meeting the family deductible.

Unlike with the CDHP, the EPO Option has copayments, which do not apply to the deductible (but do count towards your out-of-pocket maximum).

In addition, if one person in the family meets their individual deductible, the plan starts to pay for that family member. If the family deductible hasn’t also been met, the other family members’ deductibles still apply. When the family deductible is met, the plan starts paying for all family members, less 15% coinsurance. For the EPO Option, the family deductible is $1,200 and the individual deductible is $600.

For example, let’s say an employee gets X-rays that cost $600. They meet their individual deductible and the plan pays for care from here on out, less 15% coinsurance.

Plus, that $600 goes toward their family deductible, so when their spouse and child both need lab work that costs $300 each, they’ll meet your family deductible of $1200. Now, the plan will pay for their care, minus coinsurance, so: 85% for covered services.

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 a.m. – 8 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 (EPO) or Choice Plus (CDHP) 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 the EPO Option, premium designation (known as “Tier 1 doctors”) have lower copays in most areas.  You can find out if your doctor is a Tier 1 doctor by going to myuhc.com and looking for the blue dot next to your provider’s name.

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

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

Centers of Excellence for bariatric surgery visits

Liberty Health Plan participants seeking bariatric surgery must receive care through one of the more than 320 nationwide UnitedHealthcare 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.

Centers of Excellence for fertility solutions

Centers of Excellence for fertility solutions offers education, treatment options and guidance throughout the treatment process, plus help identifying a superior facility. 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. Employees should call Liberty Mutual health support at 1-844-542-6884 for details.

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. 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. For the EPO plan, you must fill prescriptions at a CVS pharmacy if one is available within 5 miles of your home zip code.  Otherwise, you can use any in-network pharmacy. In addition, 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.

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.