Total Rewards - FAQs
Browse FAQs or filter by topic, audience, or program.
- Am I and/or my spouse and dependents eligible for tuition assistance?
- Are breast pumps covered under the University medical insurance plans?
- Are child dependents of a Sponsored Adult Dependent eligible for benefits?
- Are flu shots covered by university medical insurance?
- Are my diabetic supplies covered under my insurance?
- Are retirees able to cover Sponsored Adult Dependents?
- Are there work-hour limits for retirees who return to work at the university in a part-time position (not benefit-eligible)?
- Are variable-hour employees allowed to work more than 30 hours per week?
- Can I have an HSA account if my spouse has a Health Care FSA through his/her employer?
- Can I invest the money in my HSA?
- Can I take the money out of my HSA any time I want?
- Do employees who have other medical coverage still have to report their hours worked for PPACA?
- Do I have to have health insurance to have an HSA?
- Do independent contractors need to track their hours under the PPACA?
- Do UM retirees who have returned to work at the university need to track their hours under PPACA?
- Does eligibility for retiree insurance affect all retiree insurance benefits, or just medical plans?
- Does my HSA money roll over from year to year, or do I lose the money at the end of the year?
- Does the money in my HSA earn interest?
- Does there have to be a medical necessity to purchase breast pumps?
- For home delivery, how do I know if my medication is covered or if there is a generic equivalent?
- For the ExpressScripts Step Therapy program, what do I do if I can't use the front-line drug?
- How are the Healthy Savings, Custom Network, and PPO plans different?
- How can I check the status of my mail order prescription(s)?
- How can I check the status of my prescription order?
- How can I find out how much my medication costs with Express Scripts home delivery?
- How can the Express Scripts Mobile App help me?
- How do breaks in service impact the PPACA measurement period?
- How do I access my digital medical insurance ID card?
- How do I add someone to my insurance plan, HSA, or FSA?
- How do I change my benefit/insurance elections?
- How do I determine which insurance plan(s) is best for me?
- How do I find out which prescription drugs are considered "preferred" drugs?
- How do I know which front-line drug my doctor should prescribe for my ExpressScripts Step Therapy?
- How do I maximize my Express Scripts prescription drug benefit?
- How do I open my account with Optum?
- How do I opt out of receiving an electronic Form W-2?
- How do I pay for my Express Scripts home delivery prescriptions?
- How do I provide proof of relationship?
- How do I start using the Express Scripts Pharmacy for home delivery?
- How do I submit a claim to Optum for reimbursement through my HSA?
- How does the deductible and out-of-pocket maximum work with the Custom Network Plan?
- How does the deductible and out-of-pocket maximum work with the Healthy Savings Plan?
- How does the deductible and out-of-pocket maximum work with the PPO Plan?
- How is eligibility for retiree insurance determined for current faculty and staff?
- How long will it take to receive my home delivery medications from Express Scripts?
- How many hours are student employees allowed to work?
- How much does the Employee Assistance Program (EAP) cost?
- How much money can I contribute to my HSA?
- How will I receive my digital medical insurance ID if the associated email address is inactive?
- I am an LTD recipient enrolled in Medicare; will I need to enroll in the university-sponsored plans?
- I didn't receive my Form 1095-C. How can I obtain a reprint?
- I have an HSA but I am moving to the PPO plan or Custom Network Plan. What happens to my account?
- I'm in the ExpressScripts Step Therapy program; what if I need a prescription filled immediately?
- I'm in the step therapy program. Why couldn't I fill my prescription at the pharmacy?
- I've heard I can only retire at certain times of the year; is that true?
- If I am signed up for paperless communications about my medical insurance, can I still get a physical copy of my ID card?
- If I have sick, vacation or personal time accrued, what happens to it when I retire from the DB Plan or Hybrid Plan?
- If I send more than one prescription for home delivery, will it be shipped in more than one package?
- If I talk to an Employee Assistance Program (EAP) counselor, is it confidential?
- If my spouse is on Medicare, can I contribute to an HSA?
- If spouses or qualified sponsored adult dependents work for UM, what if one retired while eligible for ret. insurance and the other didn't?
- Is there a dollar limit on university insurance coverage of breast pumps?
- Is there an additional charge for shipping and handling with Express Scripts home delivery?
- Is vision insurance available for benefit-eligible faculty, staff, and retirees?
- Is women's preventative health care covered by my insurance plan?
- My address is incorrect on Form 1095-C. How do I update it?
- Personal information is incorrect on my 1095-C form. Who do I contact?
- Under PPACA, am I required to track hours for jobs worked outside of the university?
- Under the Affordable Care Act (PPACA), who's required to track hours, and where do they track time?
- What are emergency services?
- What are excluded services?
- What are generic drugs?
- What are habilitation services?
- What are physician services?
- What are reasonable and customary charges/fees?
- What are reasonable and customary fees?
- What are rehabilitation services?
- What are the tax-favored accounts for health care expenses?
- What benefits are available for Sponsored Adult Dependents?
- What does "variable-hour employee" mean under the Patient Protection and Affordable Care Act?
- What does 'medically necessary' mean?
- What happens to the money in my HSA if I leave my job or retire?
- What if I need more than the Employee Assistance Program's short-term counseling sessions?
- What information will I need to provide to enroll my Sponsored Adult Dependent?
- What is a copay?
- What is a family status change?
- What is a formulary?
- What is a grievance?
- What is a high deductible health plan (HDHP)?
- What is a non-preferred provider?
- What is a preferred provider?
- What is a primary care physician?
- What is a primary care provider?
- What is a Qualifying Family/Employment Status Change?
- What is a specialist?
- What is a subscriber?
- What is a university HSA contribution?
- What is an allowed amount?
- What is an appeal?
- What is an emergency medical condition?
- What is an FSA?
- What is an HSA?
- What is annual enrollment?
- What is balance billing?
- What is COBRA?
- What is coinsurance?
- What is dependent eligibility verification?
- What is durable medical equipment (DME)?
- What is emergency medical transportation?
- What is emergency room care?
- What is family coverage?
- What is Form 1095-C?
- What is home health care?
- What is hospice?
- What is hospitalization?
- What is outpatient care?
- What is preauthorization?
- What is self coverage?
- What is skilled nursing care?
- What Is Step Therapy through Express Scripts?
- What is the coverage area for the Custom Network Plan?
- What is the Employee Assistance Program (EAP)?
- What is the Newborns' and Mothers' Health Protection Act of 1996?
- What is the Women's Health and Cancer Rights Act of 1998?
- What is urgent care?
- What kinds of things can I do by registering on the Express Scripts website?
- What medical expenses qualify under an HSA?
- What providers are in-network under the Custom Network Plan?
- What services and tools does UnitedHealthcare provide?
- What's the difference between generic and brand-name prescription drugs?
- When pricing my prescriptions, why should I consider generics or preferred brand-name drugs?
- When should I receive Form 1095-C?
- When will my HSA funds be available for claim reimbursement?
- When will Sponsored Adult Dependent coverage take effect?
- Where can I find a form to file a claim with UHC?
- Where can I get information on tobacco cessation programs?
- Who are the in-network providers for my medical insurance plan with UnitedHealthcare?
- Who contributes to the HSA?
- Who decides what drugs are covered in the ExpressScripts Step Therapy program?
- Who has access to my prescription information when using Express Scripts home delivery?
- Who is eligible for Sponsored Adult Dependent benefits?
- Who is the university administrator for behavioral health?
- Who may use Employee Assistance Program (EAP) services?
- Who owns the HSA?
- Who should receive Form 1095-C?
- Why are there X's for the Social Security numbers listed on Form 1095-C?
- Why does having medical insurance require the SSN / TIN of my dependents?
- Why doesn't the amount on Form 1095-C match the monthly premium I pay for medical insurance?
- Why was I told I need to use front-line drugs for Express Scripts Step Therapy home delivery?
- Will Express Scripts home delivery automatically substitute generic drugs when ordering brand-name?
