High Deductible Health Plan

The High Deductible Health Plan is one of two medical plans employees can choose from. All qualified employees, their spouses, and their children under the age of 26 are provided with medical benefits through UMR.

Call UMR Plan Advisor for help understanding your benefits, claims and providers. 800-207-3172

Plan Deductible:

Tier I  - $1,650 individual / $3,300 family deductible

Tier II - $1,800 individual / $3,600 family deductible

Preventative visits covered 100%.

Out of pocket maximum:

Tier I  - $1,650 individual / $3,300 family for the plan year (in-network)

Tier II $3,050 individual / $6,100 family for the plan year (in-network)

Copays:

On the High Deductible plan, most copays are subject to meeting the deductible. Once you have met your single or family deductible, then the following copays apply:

• Primary Office Visits: $35
• Specialists Office VIsits: $45
• Urgent Care Visit: $45
• ER Visit: $300

Prescription:

$20 generic Rx, 30% ($250 max); Preferred Rx, 50% ($350 max) Non-preferred Rx, or unique specialty medications. 
- Prescription Benefits Information 

Health Savings Account (HSA)

For the 2025 calendar year the HSA has a $4,300/$8,550 annual contribution limit (EE + ER). Those 55 and older can contribute an additional $1,000 as a catch-up contribution.

Funds in the HSA roll over each year if unused and are portable, all funds deposited into the HSA go with the employee if they leave SUU employment.

• Optum Bank - Health Savings Account Card (Customer Service 866-234-8913)
• Optum Bank - Excess Contribution/Deposit Correction
• HSA Plan Highlights 
• HSA Qualified Expenses (pages 5-17)

Health Reimbursement Account (HRA)

Special enrollment is available for employees with HDHP who are not eligible for HSA. Employer contribution only.

• HRA Plan Highlights 
• HRA Enrollment Form

UMR Website

What is Tier I pricing?

The largest cost-driver in our SUU plan is outpatient surgery. The less expensive surgical centers have a lesser deductibles to services performed at these centers.

The following surgical centers will bill under Tier I:

1. Cedar Orthopedic Surgery
2. Cedar Orthopedic Surgery Center (C.O.S.C.)
3. Southern Utah MRI  (SUMRI)
4. Southern Utah Physical Therapy  (SUPT)
5. Coral Desert - Revere Health Orthopedics
6. St. George Surgical Center
7. St. George Endoscopy

Resources

• HDHP Plan Summary
• Telemed
• Summary of Benefits and Coverage
• Ongoing Condition Care Guide
• Maternity Care Guide
• HSA Contribution Change Form
• Member Claim Submission Form
• University Benchmark
• One Pass Select Flyer
• One Pass Select Member Experience Demo
  
• Nurseline