Retiree Health Plans
Non-Medicare Eligible Retirees
Frederick County Public Schools (FCPS) retiree health plan includes both vision and prescription coverage. Your plan is on a calendar year basis January 1st through December 31st. Your open enrollment is held in October of each year.
United Healthcare Choice Plus Medical Plan
In-network — Selecting a physician or health care provider within the UnitedHealthcare’s large local and national network means maximum coverage and lower out-of-pocket expenses. Copayments are charged for eligible services, and referrals are not required for specialty services.
Out-of-network — Higher deductibles are required and you must file claims for reimbursement of 80% of eligible expenses. Employees have a $200 deductible and an annual out-of-pocket maximum of $1,250. Family coverage requires a $400 deductible and an annual out-of-pocket maximum of $2,500.
For more detailed information, please see the Summary Plan Description Non-Medicare eligible.
Medicare Eligible Retirees
You must pay the Medicare Part B Annual Deductible of $183 as of 2017, (indexed annually), prior to UHC paying any of your medical bills. Medicare will pay first and then UHC will pay second. In most cases, the remaining balances should be paid by UHC if you are using in-network Medicare providers. To make sure that your Medicare bills are sent to UHC automatically, you can call UHC and request that a “crossover” form be placed on file on your behalf. This will assist in the claims processing for you.
For more detailed information, please see the Summary Plan Description – Medicare
UnitedHealthcare offers many resources for you and your family. You can access healthy discount program, myNurseLine, RealAppeal and many other healthcare resources to better support your health. The UnitedHealthcare Guide to Programs and Services provides additional details to resources as well as many of the links below.
UnitedHealthcare offers free NurseLine Services to FCPS health plan participants and covered dependents 24 hours a day, 7 days a week. Get answers about medical conditions and medications plus help choosing appropriate medical care, understanding treatment options and finding a doctor and/or hospital. To speak with a registered nurse: 1-800-846-4678.
Cancer Support – UnitedHealthcare Sherpa
Cancer patients need support, and UHC’s designated team of Customer Care advisors can assist them with claims, authorizations, finding doctors, understanding benefits, recommending health resources and other concerns they may have. Call Customer Service
UHC Incentive Rewards
UnitedHealthCare offers you the opportunity to improve your health and earn rewards through its incentive rewards program. You can set your own challenges and healthy goals and start earning now. Begin by completing a Personalized Health Assessment.
Real Appeal ― an online weight loss and healthy lifestyle program ― at no cost to you!* Real Appeal is a scientifically-proven program that has helped individuals lose weight and lower their risk for chronic diseases such as heart disease, Type 2 diabetes, and more. You will receive a kit that includes everything you need to succeed. The program is offered for employees who are covered through the UnitedHealthcare insurance plan and must meet specific criteria to participate.
United Behavioral Health provides mental health programs for employees and their families should the need arise they are there to assist you through those difficult times. Using an in-network benefit will keep your out-of-pocket copays and co-insurances at a minimum.