High Deductible Health Plan Comparison

This is a comparison of the high deductible health plans for FY 2019-20 open enrollment. Please see the Copay Plan Comparison page as well.

Comparing network costs versus non-network costs between Kaiser Permanente and United Healthcare in the high deductible health plans
United Healthcare (UHC) HDHP with HSA Plan Kaiser Permanente (KP) HDHP with HSA Plan
Annual Deductible1 Network Non-Network Annual Deductible1 Network Non-Network
Individual $1,500 $4,500 Individual $1,500 Not Covered
Family  $3,000 $9,000 Family  $3,000
Out of Pocket Max Comparison
Annual Out-of-Pocket Max: UHC 2 Annual Out-of-Pocket Max: KP 2
Annual Deductible Network Non-Network Annual Deductible Network Non-Network
Individual $3,000 $9,000 Individual $3,000 Not Covered
Family $6,000 $18,000 Family  $6,000
Co-Insurance Comparison
Co-Insurance: UHC Co-Insurance: KP
Annual Deductible Network Non-Network Annual Deductible Network Non-Network
Percentage you pay after you have satisfied your deductible. 20% 50% Percentage you pay after you have satisfied your deductible. 20% Not Covered
Office Visit and Urgent Care Cost Comparison
Office Visits/Urgent Care: UHC Office Visits/Urgent Care: KP
Service Network Non-Network Service Network Non-Network
Preventative Care/Screenings No Charge 50% of eligible expenses after deductible Preventative Care/Screenings No Charge Not Covered
Primary Care - Illness/Injury 20% after deductible Primary Care - Illness/Injury 20% after deductible
Specialist Specialist
Inpatient Hospital Inpatient Hospital
Urgent Care Urgent Care 20% after deductible
Ambulance 20% after in network deductible Ambulance
Emergency Room Emergency Room
Virtual Visits
(Network Benefits are available only when services are delivered through a
Designated Virtual Network Provider.) 
Not Covered Virtual Care - Primary/Specialty
- Phone Visit, Video Visit
- Chat Online, Email, E-visits

- No Charge after deductible
- No Charge

Not Covered
Mental Health Benefits Comparison
Mental Health: UHC Mental Health: KP
Service Network Non-Network Service Network Non-Network
Inpatient (Hospitalization/Day Treatment) 20% after deductible 50% of eligible expenses after deductible Inpatient (Hospitalization/Day Treatment) 20% after deductible Not Covered 
Outpatient (Therapy) Outpatient (Therapy)
Inpatient and Outpatient Addictive Disorders Services Comparison
Substance-Related & Addictive Disorders Services: UHC Substance-Related & Addictive Disorders Services: KP
Service Network Non-Network Service Network Non-Network
Inpatient 20% after deductible  50% of eligible expenses after deductible Inpatient 20% after deductible  Not Covered
Outpatient Outpatient
Vision Benefits Comparison
Vision: UHC Vision: KP
Service Network Non-Network Service Pediatric
(up to end of month he/she turns age 19)
Adult
(members age 19 and over)
Up to 1 Routine Exam per plan year under the Medical Plan 20% after deductible - Allowances apply to network providers only.
- Please refer to your plan details for out-of-network allowances
Optometrist/
Ophthalmologist

 
20% after deductible
Optical hardware  - Frames $130 allowance OR
- Contact lens $150 allowance
Optical hardware After deductible, 20% coinsurance once every 24 month $150 Credit once every 24 months towards optical hardware
Prescription Comparison
Prescription: UHC Prescription (3): KP
  Retail: 30-day supply Mail Order: 90-day supply   Retail: 30-day supply Mail Order: 90-day supply
Tier 1 Deductible, then $10 Copay Deductible, then $20 Copay Generic Deductible, then $10 Copay Deductible, then $20 Copay
Tier 2 Deductible, then $30 Copay Deductible, then $60 Copay Preferred Brand Name Deductible, then $30 Copay Deductible, then $60 Copay
Tier 3 Deductible, then $50 Copay Deductible, then $100 Copay Non-Preferred Brand Name Approved drugs covered at generic costshare
Specialty (30 day supply) Deductible, then 20% up to $100   Specialty Deductible, then 20% up $100

* Please refer to the official plan documents for detailed information and listing of covered services.

  1. If more than one person is covered under the policy, the single coverage deductible stated above does not apply. For more than one person, the family Annual Deductible is $3,000 per policy year.
  2. If more than one person is covered under the policy, the single coverage out of pocket maximum stated above does not apply. For more than one person, the family out of pocket maximum is $6,000 per policy year.
  3. For Southern Colorado Kaiser Permanente members: maintenance medications must be filled at a Pharmacy in a Kaiser Permanente medical office or through Kaiser Permanente mail order.

Rates - Employee Monthly Contribution

United Healthcare HDHP with HSA Plan Kaiser Permanente HDHP with HSA Plan
Employee Only $25.18 Employee Only $36.78
Employee + Spouse $156.26 Employee + Spouse $178.00
Employee + Child(ren) $55.80 Employee + Child(ren) $82.36
Family $237.02 Family $268.46