Explore Our Plans

At UHA we're committed to providing businesses and their employees with great plans, great service and great care.

Both of our Preferred Provider plans (PPO) are designed to meet ACA requirements and are bundled with prescription and vision to make it easy to choose the right plan.

Plans differ by co-pay amounts and your total out-of-pocket costs, as shown in the chart below. If you're younger and healthier, our standard plan may be the one for you. Both plans make it easier for your doctor to provide the medical care that's right for you.

The Basics:

UHA Standard
(3000 Bundle)

  • Include Drug and Vision plans
  •  
  • Has an annual deductible
  •  
  • You pay $12 co-pay for physician services
  •  
  • We pay 80% of hospital and emergency room
  •  
  • We pay 100% of maternity care

UHA Plus
(600 Bundle)

  • Include Drug and Vision plans
  •  
  • No annual deductible
  •  
  • We pay 90% of physician services
  •  
  • We pay 90% of hospital and emergency room
  •  
  • We pay 90% of maternity care
Get the details about each plan
 

Benefits & Programs

At UHA we want you to live well, be well, and work well, so each plan includes a full suite of benefits and programs like our Live Well healthy lifestyle programs and Be Well benefits for prevention and chronic condition management.

Live Well

*Offered through the Active&Fit program.

Be Well
Find a participating doctor or provider
 

Additional Products

Dental Program

A dental program can be added to either plan.

Hawaii Dental Service is the largest nonprofit dental service corporation in Hawaii. More than 95% of all licensed, practicing dentists in Hawaii participate with HDS, creating the largest network of dentists in the state.

HDS is part of Delta Dental, the largest dental insurer in the nation, and that means you can receive dental coverage from participating dentists when you and your family are on the Mainland for school, work or vacation.

Find an HDS dentist

Available Gym Memberships

As an employer, you can decide whether to offer fitness center memberships to your employees. UHA offers Active&Fit to help your employees enjoy the best fitness options in the state for minimal fees.

Active & Fit
  • Employer pays $4/member, per month
  •  
  • Employee pays as low as $10 per month 
  •  
  • Can change centers once per month*
  •  
  • Employers call Sales at 532-4009 if interested
  •  
  • UHA members click here for more info

*Change effective first day of following month


 

Work Well

Our Wellness team offers a full suite of products and services to help companies build healthier and higher-performing organizational cultures.

Learn more about our Worksite Wellness solutions
 

The Details:

Whether you pick our Standard or Plus plan, you'll get full-featured coverage and access to one of Hawaii's largest provider networks.

UHA Standard
(3000 Bundle)

UHA Plus
(600 Bundle)

For groups of 50 or fewer, here is the list of Essential Health Benefits:

Essential Health Benefits (EHB)
(3000 Bundle)
Essential Health Benefits (EHB)
(600 Bundle)

 

NEW Drug Plan 90/10 Preferred
With drug costs on the rise, Drug Plan 90/10 Preferred may be your ideal plan.
It's a unique option that may help your employees save money.
Contact our Sales team for more details.

P: (808) 532-4009, Toll free: (800) 458-4600, ext. 301
Toll free fax: (866) 577-3035

 

Medical Drug Formulary

Drugs covered under UHA's medical benefit plans are listed in our medical drug formulary. A formulary is an official list of medicines that may be prescribed.

View full list

Estimated Out-of-Pocket Drug Costs*

All costs provided by this prescription drug tool are only estimates and may vary when claims are finalized.

Use estimator

*This tool should only be used for estimating purposes to assist with budgeting and may not be specific to your prescription drug plan. If you are a UHA member, please register or log in to your UHA Online Member Services account to find information specific to your prescription drug plan.

Complementary Alternative Medicine Benefits

UHA will pay up to $500 a year* for chiropractor or acupuncture visits. Choose a provider from our online directory to qualify for a $10 co-payment per visit. We'll also pay 50% of the eligible charge for the first set of x-rays ordered by a participating chiropractor.

Find a participating provider

*Benefits limited to treatment of conditions of the neuromusculoskeletal system by a licensed provider.
 

Detailed Plan Comparison

The following chart displays a comparison of plan provisions and benefits when seeing a participating provider1.

Medical Services

UHA Standard
(3000)
YOU PAY

UHA Plus
(600)
YOU PAY

Plan Provisions1

Annual Deductible2

$200 per person; $600 per family
None

Annual Maximum Out-of-Pocket

$2,200 per person; $6,600 per family
2,500 per person; $7,500 per family

PREVENTIVE CARE SERVICES†4

Physical Exam (office visit)
once per calendar year

 

Preventive Screening Services

 

Well Child Care Visit

No co-payment

Childhood Immunizations

 

Adult Immunizations

 

Screening Laboratory Services - Outpatient

 

MATERNITY SERVICES

**Maternity care

 
10% of EC*

Birthing room†

No co-payment
No co-payment

Newborn nursery†

 
10% of EC*

DISEASE MANAGEMENT PROGRAMS†

Smoking Cessation Program

 

Asthma Education Program

No co-payment

Diabetes Self-Management Training & Education Program

 

Nutritional Counseling Programs

 

PHYSICIAN SERVICES†

Physician Office Visit

$12 co-payment
10% of EC*

HOSPITAL SERVICES

Room & Board (semi-private room)

 
 

Hospital Ancillary Services

20% of EC*;
deductible applies
10% of EC*

Laboratory & Pathology - Inpatient

 
 

EMERGENCY SERVICES

Emergency Room Services

20% of EC*;
deductible applies
10% of EC*

Ambulance (ground or inter-island air)

 
20% of EC*

COMPLEMENTARY ALTERNATIVE MEDICINE†

Chiropractic/Acupuncture Services
Benefits limited to treatment of conditions of the neuromusculoskeletal system by a licensed provider

$10 co-payment per visit
First set of x-rays at 50% of EC*; full charge for add’l sets; $500 combined maximum per calendar year

1. The information above is intended to provide a condensed explanation of UHA medical plan benefits. Please refer to the appropriate Medical Benefits Guide (MBG) for complete information on benefits and provisions. In case of a discrepancy between this comparison and the language contained in the MBG, the MBG will take precedence.

2. Annual deductible does not apply to all services. Refer to your Medical Benefits Guide to verify which services apply.

3. No annual or lifetime maximum.

4. All U.S. Preventive Services Task Force (USPSTF) A and B recommended screening services are covered at 100% as required under the provisions of the Patient Protection and Affordable Care Act (ACA).

† UHA Standard (3000) annual deductible does not apply.

*EC = Eligible Charge. Refer to your Medical Benefits Guide for detailed definition.

** Covered, including prenatal, false labor, delivery, and postnatal services provided by your physician or certified nurse midwife. Maternity care does not include related services such as nursery care, labor room, hospital room and board, diagnostic testing, and other lab work and radiology. Please refer to the specific benefits for more information on those services.

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