The High Deductible plan pairs with Medicare for an over/under option for situations when at least one member is eligible for Medicare and at least one other member is not.

Over/Under Basics

  • The member(s) eligible for Medicare must enroll in the CU Medicare (must be enrolled in Medicare Part A and Part B) and the member(s) not Medicare-eligible must enroll in the High Deductible Plan.
  • Although the CU Medicare and High Deductible are two different plans, the premiums are bundled. See your rate sheet for pricing details.
  • Over/Under plans have different enrollment periods and plan years:
    • October enrollment for Medicare with the plan year running from Jan. 1 to Dec. 31.
    • April/May enrollment for High Deductible with the plan year running from July 1 to June 30. 
  • You cannot contribute to a Health Savings Account (HSA) once enrolled in Medicare.
  • If you are a considering this option, please review details of the both Medicare and High Deductible Plans.

About the High Deductible plan

CU Health Plan — High Deductible is an Anthem-administered plan gives you broad access to health care services inside and outside your network — but requires that you first meet your deductible.

Once you've satisfied the deductible, you'll be responsible for paying coinsuranceCoinsuranceThe portion of expenses that you have to pay for certain covered services, calculated as a percentage. For example, if the coinsurance rate is 20%, then you are responsible for paying 20% of the bill, and the insurance company will pay 80%.  for care until you reach your out-of-pocket maximumOut-of-Pocket MaximumThe most you pay during a policy period (usually a year) before your health insurance or plan begins to pay 100 percent of the allowed amount This limit never includes your premium, balance-billed charges, or health care your plan doesn’t cover. Some plans don't count all of your copayments, deductibles, coinsurance payments, out-of-network payments or other expenses toward this limit. for the plan year. This plan offers Anthem's nationwide networkNetworkThe facilities, providers and suppliers with whom your health insurer or plan has contracted to provide health care services of providers and facilities. You'll also have the flexibility to schedule your own appointments with specialistsSpecialistA physician specialist focuses on a specific area of medicine or a group of patients to diagnose, manage, prevent, or treat certain types of symptoms and conditions. A non-physician specialist is a provider who has more training in a specific area of health care. — no primary care providerPrimary Care Provider (PCP)A physician (medical doctor or doctor of osteopathic medicine), nurse practitioner, clinical nurse specialist or physician assistant, as allowed under state law, who provides, coordinates or helps a patient access a range of health care services or referralsReferralA written order from your primary care provider for you to see a specialist or receive certain health care services for any covered service that cannot be performed by your primary care provider. This applies to our Anthem Exclusive and Kaiser plans.   needed.

  Plan details

  Find a doctor or a pharmacy

Features & considerations
Plan type
 		 PPOPreferred Provider Organization (PPO)A health care plan that has a contractual agreement with providers to offer health care services at discounted, negotiated fees within a network.  The PPO plans may require some cost-sharing with deductibles, copays and/or coinsurance.   / HSA CompatibleHSA (Health Savings Account)A tax-savings account that must be paired with a High-Deductible Health Plan, which can be used to pay for qualified health care expenses now or in the future. An HSA is a savings account that you own. The funds in an HSA carry forward year after year, even if you change employers or retire. 
In-network Providers  Out-of-networkOut-of-NetworkNon-participating providers or facilities that do not enter into a network agreement, usually resulting in higher out of pocket expenses to you. Providers
Deductible

$1,600 single coverage

$3,200 family coverage (2+members)

Any member may contribute to overall deductible.

$3,200 single coverage

$6,400 family coverage (2+ members)

Any member may contribute to overall deductible.
Out-of-pocket limit

$3,200 single coverage

$6,400 family coverage (2+ members)

$6,400 single coverage

$12,800 family coverage (2+ members)
Preventative carePreventative Care - MedicalA routine health care check-up that will include tests or exams, flu and routine shots, and patient counseling to prevent or discover illness, disease or other health problems. All recommended preventive services would be covered as required by the Affordable Care Act (ACA) and applicable state law. visit $0 coinsurance and no deductible 35% coinsurance after deductible
Office visit 15% coinsurance after deductible 35% coinsurance after deductible
Emergency careEmergency CareA medical or behavioral health condition that must be treated at the emergency department of a hospital due to an illness, injury, symptom or condition severe enough to risk serious danger to your health (or, with respect to a pregnant woman, the health of her unborn child) if you didn’t get medical attention. See where and when to get care. 15% coinsurance after deductible Covered as in-network
Prescription drug (Rx)
30-day supply		 20% coinsurance after deductible 20% coinsurance after deductible
Mail order Rx
UCHealth		 Available for 90-day supply maintenance medications (not required) N/A