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Current USF MCOM Housestaff

  • Insurance paid for by USF MCOM: Health, Life, Group Disability
  • Insurance offered but paid for by employee: Individual Disability, Dental, Vision

Health Insurance

  • United HealthCare ChoicePlus Plan - UHC Plan Summary
  • Online log-in for your health insurance account at myuhc.com/ – where you can search providers, see claim details, pharmacy benefits, etc. UHC Welcome Packet
  • Tier 1 – USF Housestaff affiliated entities - TGH/Morsani/ACH/Moffitt
  • Tier 2 – in UHC network – $250 deductible and $2,000/yr. max out of pocket for individuals
  • Tier 3 – out of UHC network – $500 deductible and $4,000/yr. max out of pocket for individuals
  • Max out-of-pocket for full-family $4,000/yr. in Tier 2 and $8,000/yr. in Tier 3
  • Tier 2 and Tier 3 providers can be used across the country
  • For more information on Pharmacy Benefits – UHC Pharmacy Guide
  • May add spouse for $50/mo and full family for $75/mo – UHC Dependent Enrollment Form

Life Insurance 

  • Provided by Standard Insurance Company
  • $50,000 of group life insurance
  • $50,000 of additional benefit for accidental death or dismemberment
  • To change your life insurance beneficiary – Life Insurance Beneficiary Form
  • Optional individual life coverage available by request - pricing based on amount of benefit, length of coverage, and results of health exam

Group Disability Insurance

  • Provided by Standard Insurance Company
  • $2,500/month of group coverage
  • Group premiums are paid by USF MCOM
  • Benefit amounts, if received, would be taxable to recipient

Individual Disability Insurance

  • Individual Disability Insurance available at discounted rates and without medical underwriting
  • During your training, you can better protect your income by adding $1,500/mo of individual disability coverage. In-Program Individual Disability Details
  • In your last year of training, you may increase the individual disability coverage and take the policy with you (discounts apply for rest of your career)
  • Graduate policies start at $2,500/mo for fellowships or $5,000/mo for in-practice and can be increased up to $15,000/mo as your income increases. Graduate Individual Disability Details
  • Benefit amounts, if received, would be tax-free to recipient
  • Contact Muniz and Associates for more details based on your age, specialty, year of training

Dental Insurance

  • Offered through United HealthCare and optional through payroll deduction
  • Three optional plans to choose from, 1 HMO and 2 PPO – Dental Vision Enrollment Form
  • HMO - have to use network providers, need referrals for specialists, most diagnostic and preventive care at no charge, set benefits for addt’l care, no deductibles, least expensive HMO Details
  • PPO – can choose your provider, no need for referrals to see specialists, most diagnostic and preventive care at no charge, uses deductibles, covers larger %’s of costs for more complex care
  • Two choices - PPO 20 and PPO 30. Primary difference is that PPO 30 has a higher benefit maximum and covers higher percentages of some services. PPO Details

Vision