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
- Most in-patient and out-patient expenses are covered with no co-pay or deductible
- Some labs and other provider expenses may be submitted as Tier 2
- Search USF Physicians by specialty here
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

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

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

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

Offered through United HealthCare and optional through payroll deduction
Plan allows for annual eye exams, set of eyeglasses or contacts – Vision Details
Dental Vision Enrollment Form