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The University of Arkansas offers three health plans: Classic, Premier and Health Savings. All are self-insured and self-funded by the University. UMR is the third party administrator and processes your medical claims. MedImpact is the pharmacy benefit manager and processes your prescription claims.
All plans cover a wide range of traditional expenses such as doctor visits, surgical services, pregnancy, emergency room services, hospital stays, mental health services and diagnostic testing. With a goal of assisting you in being healthy, most preventive care performed in-network is covered in full (such as annual physicals, flu shots, cancer screenings and well baby care).
Classic Managed Care Plan, or “Classic”
Classic is the primary plan. It is a network-only plan (exception for emergencies). You should have no trouble finding an in-network provider anywhere in the United States as the network is national under UnitedHealthcare.
This is a “gold” plan with the highest premiums. But you’ll pay the least out-of-pocket of the three medical plans when you receive care from in-network providers. Benefits are also available out-of-network, although at a reduced benefit.
Health Savings Plan
This is a high-deductible, consumer-driven health plan. It has the lowest premiums. But until you meet the deductible, you pay ALL medical expenses out of your pocket. Once you meet the deductible, you share the cost of covered medical and prescription drug expenses with the plan through coinsurance. This plan includes a Health Savings Account (HSA) – a tax-advantaged account used to pay eligible medical, dental, vision and prescription expenses. Money in your HSA stays with you year after year, no “use it or lose.” The HSA belongs to you, which means you can take it with you if you leave the University. Your HSA grows through contributions made by you and the University. You cannot enroll in this plan if you have other health coverage or are eligible for Medicare.
Which plan should I select?
Refer to the side-by-side comparison chart “At a Glance” Medical Plan Options (click here for new Jan 2019 chart) to help you decide which plan is better for you and your family. Don’t just look at the premium costs; carefully review the benefits. Note the savings you enjoy under UAMS SmartCare when you receive your care at UAMS. Additional information, including the Summary Plan Description and the Open Enrollment Decision Guide, can be found on the UA System Benefits website (see Quick Links).
The University uses a formulary of preferred drugs, although non-formulary drugs may still be covered under the plan but at a higher cost to you. We recommend that members log in to Medimpact to check the coverage for a specific drug and dosage. Note that many medications are subject to prior authorization review, quantity level limits or step therapy, and may be restricted to FDA approved treatment guidelines.
There are many doctors and providers that are in-network throughout the United States. Please note that in the Little Rock area, the in-network hospitals are UAMS, St. Vincent’s CHI, Arkansas Children’s, Baptist and Arkansas Heart.
Who can I cover? What does it cost?
Your premium cost is based on which plan you elect, the percent of time you work and the family members you are covering.
You can cover your spouse, as legally recognized by the U.S. Supreme Court. You can also cover your children through the end of the month they reach their 26th birthday, regardless of their marital, employment or student status. If you wish to cover a disabled adult child age 26 or older, contact our office.
How do I enroll?
New employees may enroll within their first 30 days during their orientation onboarding. There is a waiting period before coverage takes effect. Once you enroll and complete the required forms, coverage takes effect the first of the following month.
Current employees may enroll when the University offers an open enrollment period. However, annual open enrollments are not guaranteed.
If you experience a qualifying event, you may have a special 30-day window to make changes to your coverage.
How do I file a claim?
Show your insurance card to your doctor’s office or pharmacist and they will file the claim for you. Use manual claim forms only if you did not have your insurance card and had to pay the bill up front. Click here to visit our Forms website.
What else do I need to know?
You may save on your costs when you use UAMS physicians, clinics and facilities. The savings under SmartCare will automatically be applied when you get your care at a UAMS SmartCare facility. UMR pays claims based upon the “tier.” Tier 1 is UAMS SmartCare, tier 2 is elsewhere in-network, and tier 3 is outside the network.
After you get your insurance card with your member ID number, visit UMR’s website and register for on-line access. You can view your claims, print a temporary ID card, and access resources to lead a healthier life.
Contact UMR Disease Management at 866-575-2540 (phone # on form may be incorrect) to enroll in:
Nutritional Counseling and Weight Management Program (go to Forms for required forms)
Diabetes Management Program; free test strips and meters from Abbott
Healthy Heart Program (free meds and blood pressure monitor)
Tobacco-free 4 life Program (2 free office visits and Chantix prescription)
Difference between free preventive visit and other doctor office visits
Medical care while traveling abroad
Medicare and Your UA Medical Benefits (what happens when you turn 65)
Glossary of Medical Terms
Marketplace Notice, Sept 2013 letter explaining how this impacts employees
UA Notice of Nondiscrimination
Medicare Part D Creditable Coverage Letter
UA Notice of Privacy Practices
Children’s Health Insurance Program (CHIP) Premium Assistance
Benefit plan information on these web pages is in a summary format and is not intended to replace actual plan documents. UAMS reserves the right to amend or terminate all or any part of any benefit plan.