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Benefits drive the cost of a health plan, and all plans try to balance benefits and cost. All plans limit payment for non-essential or experimental treatments, job-related expenses, most cosmetic treatment and a range of other "exclusions".
The Unitarian Universalist Association (UUA) plan offers a broad range of benefits including preventive care for adults and children and routine office visits at modest co-pays, plus hospice, midwife services, mental health treatment, and private duty nursing, and prescription drugs, to name only a few examples. Unlike many other plans, it includes voluntary pregnancy terminations, and transgender surgery up to a fixed amount.
To understand benefit details, you will have to do some homework. We've included a worksheet (PDF) to make the analysis easier. Fill in as many of the categories as interest you, and then make your decision. Some people will go no further than the monthly premium and "Is my doctor in the plan?" Others will go a little deeper. If you need help interpreting some part of your coverage choices, you can contact the Health Plan Director at (617) 948-6405. Here are a few terms you will need to know:
Before you begin, keep in mind some key questions:
For more information contact healthinsurance @ uua.org.
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Last updated on Thursday, November 14, 2013.
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