Davidson College offers a choice of two different health plans, both with United Healthcare.
When you visit network providers, you get access to quality care at the lowest out-of-pocket costs available under the Traditional PPO Plan. Your plan also offers the freedom to choose the providers you prefer–even if they aren't part of the network. Your benefits are the highest when you see "preferred providers," but you're still covered for visits to other providers. With the PPO plan, customers can use a Flex Spending Account (FSA) to set aside money for medical expenses pre-tax.
A high deductible health plan is a plan with lower monthly premiums and higher deductibles than a traditional health plan. Preventive care is always paid 100 percent by the plan. If you elect to enroll in the High Deductible Plan, Davidson will contribute to a Health Savings Account (HSA) to assist you with your out-of-pocket expenses. You are also eligible to make contributions to the HSA through pre-tax payroll deductions, up to the annual IRS limits.
The Comparison of PPO and HDHP Plans (PDF) by United Healthcare has examples and explanations of the High Deductible plan and the PPO plan. You may also view a list of High Deductible Health Plan Frequently Asked Questions (PDF) and a simple 2017 Health Rate Sheet (PDF).
Employees with a household income below $45,000 may qualify for a health insurance subsidy.
Visit the United Healthcare website.
Plan Administrator: Davidson College