Health Insurance

The UUA is pleased to offer member organizations Health Insurance through Highmark BCBS.

Open Enrollment

November is Open Enrollment Month, the once-a-year opportunity for employees to do any of the following for the upcoming calendar year without a qualifying event: newly enroll in the UUA Health Plan; Add dependents to the Health Plan; or upgrade your Health Plan level. Enroll today!

Not making any changes? No action is required.

Plan Updates for 2022

Rates

For calendar year 2022, we are raising base rates by 6%. Members currently in the Health Plan will also see a small age adjustment, around 2½% - a little lower for younger members and a little higher for older members.This 6% increase is in line with changes in the health insurance market and with the rate of medical cost inflation. It also supports Plan Trustees’ best estimate of what the Plan requires for long-term financial strength.There is no plan to repeat last year’s unprecedented mid-year rate change, which was in lieu of an increase in January of 2021.

Deductibles and Out-of-pocket Limits

Our Health Plan deductibles and out-of-pocket maximums have been adjusted for 2022 after staying nearly static since 2017; these must be indexed periodically to keep up with health care inflation. See our Health Plan Level Comparison Grid (PDF) for details.

Prescription Drug Plans

The option will remain to use a brand medication even when a generic is available, but members will now pay the difference in cost between the generic and brand (Sensible Rx). In addition, a limited number of members will be able to take advantage of manufacturer coupons while using in-plan coverage, reducing the co-pay to zero(Copay Armor). Highmark will reach out to affected members to explain generic options and the coupon program.

Prospective UUA Health Plan Participants

Current UUA Health Plan Participants

For Congregational Employers and Administrators

Useful Links

Employee Benefits Trust

The UUA Health Plan is operated by the Health Plan Trust, established by vote at the UUA Board of Trustees meeting on October 22, 2006.

To review our auditor's findings, please check out our Audit Report (PDF) and Audit Closing Communications (PDF).