The Save Plan

The Save Plan is a High Deductible Health Plan which is paired with a Health Savings Account. The administrator of this plan is UMR and the network is United Healthcare Choice Plus which is a national network.

In a High Deductible Health Plan, you pay 100% of the United Healthcare contracted rate for medical services you receive (with the exception of preventive services, which are no cost) and 100% of the cost of prescription drugs until your deductible is met. Once you meet your deductible, the plan pays as listed on the chart. The only exception is prescription drugs listed on the Safe Harbor List. You pay the same as the other two plans for prescription drugs on the Safe Harbor List.

This plan is qualified to be paired with a Health Savings Account (if you are under age 65 or if you are age 65 or older and not yet participating in Medicare A). A Health Savings Account (HSA) is a unique, tax-advantaged account that can be used to pay for current or future healthcare (medical, dental or vision) expenses. An HSA offers savings and tax advantages that cannot be duplicated in a flexible spending account and your balance goes with you wherever you go. An HSA is always your money. Cone Health helps with your deductible by offering a contribution to your Health Savings Account based on your hourly rate called “seed money.” That contribution will be posted into your HSA account in January and you will receive seed money regardless of whether or not you contribute to the HSA. However, this is an excellent opportunity for you to save money for your current and future eligible expenses because your contributions are tax-free and FICA free which reduces your taxable wages. New employees hired throughout 2022 will have pro-rated seed money based on the number of months they will be working in the calendar year.

The HSA maximum amounts that can be contributed in 2022 are $3,650 for an individual and $7,300 for family coverage. If you are age 55 or older, you can contribute an additional $1,000 per year. Remember the annual limit for HSA is the combination of your contributions and those made by Cone Health. If you want to contribute the maximum amount, you will need to adjust your annual maximum for the amount of seed money contributed by Cone Health.

Seed money to be contributed by Cone Health in January 2022:

  • $15.00 - $17.50 hourly rate = $750
  • $17.51 - $31.00 hourly rate = $500
  • $31.01 - $62.50* hourly rate = $250

*Employees who earn more than $130,000 per year are considered highly compensated and not eligible for seed money in 2022.

You can also coordinate your Health Savings Account with a Limited Flexible Spending Account to pay for dental and vision expenses while you meet your medical deductible, thus preserving your HSA funds for future use.

In the Save Plan, what you pay for services depends on where you get your care. If your care is provided by a Cone Health or THN provider, your out of pocket costs are lower (see Cone Health Network column below) than if you go to a provider that is in the United Healthcare network but not part of Cone Health or THN (see United Healthcare Choice Plus Network column below). However, your total annual out-of-pocket maximum is the same.

Save Medical Plan Summary of Benefits Chart

Advantages of the Save Plan

  • Lowest premiums
  • Large national network of providers; good particularly if you live out of the local area or have children who go to school or live out of state
  • Lower costs for services at a Cone Health or THN physician or Cone Health facility
  • Health Savings Account offered with this plan
  • Low Annual Out-of-Pocket Maximum
  • Small Charge for e-Visits and Virtual Visits until deductible is met. NOTE: A video visit with your personal physician is considered an office visit.

Disadvantages of the Save Plan

  • Highest deductible of all plans offered
  • Services and prescription drugs (other than preventive) apply to deductible

Save Plan - Healthy Lifestyle Premiums

New Employees and Employees with a Change in Status

Employees and spouses are required to complete a Health Assessment, on the MyActiveHealth site, within 30 days to keep the discounted health premiums. Click here to access the MyActiveHealth site. You will need to Create an Account. If you are covering a spouse on the medical plan, your spouse must also Create an Account and complete.

Click on the Save Plan Chart below to review a summary of how benefits will be paid based on type of service.  This is not an all inclusive list of benefits.  A full summary plan description can be found under Legal Notices.

Save Plan Chart

Save Medical Plan Premium Cost Full Time Rate Part Time Rates
Employee Only $55.00 $119.00
Employee + Child(ren) $90.00 $155.00
Employee + Spouse $100.00 $165.00
Employee + Family $141.00 $207.00
Employee + Spouse w/Surcharge $200.00 $265.00
Employee + Family w/Surcharge $241.00 $307.00

*Full time premium cost is .75 to 1.0 FTE – Part time rates  .30 to .74 FTE

*Physicians in a profit and loss business model will pay total cost of medical plan

*Employees who did not complete the Healthy Lifestyle Premium Discount program in 2021 will pay additional $15 per pay period.

*New hires and status change will pay additional $15 per pay period if Health Risk Assessment not completed within 30 days of enrollment

*Surcharge of $100 per pay period is required if your covered spouse has access to coverage with another employer and you opt to cover them on Cone Health’s medical plan. You do not have to pay the surcharge if your spouse is unemployed, self-employed, retired, on Medicare, or is also a benefit eligible Cone Health employee.