Members are responsible for copayments, deductibles and coinsurance. You may collect copayments at the time of service. Once we process the claim, the final member financial responsibility is listed on the provider remittance advice (PRA) and the member’s explanation of benefits (EOB).
Annual individual and family out-of-pocket maximums are equal to the combined total of deductible, copayment and coinsurance amounts the member pays as shown on their Schedule of Benefits. Cost-share is the amount the member is financially responsible for, such as copayments, coinsurance and deductibles according to their plan benefits. Cost-sharing for certain types of covered services may not apply toward the annual individual or family out-of-pocket maximums. Refer to the member’s Schedule of Benefits to determine if a cost-share amount, for a particular covered service, applies to the member’s annual individual and/or family out-of-pocket maximums.
When an individual member’s out-of-pocket expenses have reached the individual out-of-pocket maximum, the member will not have any additional cost-share for services that apply to the annual individual out-of-pocket maximum for the rest of that plan year.
When a family’s out-of-pocket expenses have reached the annual family out-of-pocket maximum, the family members will not have any additional cost-share for services that apply to the annual family out-of-pocket maximum for the rest of that plan year.
Some services may not be covered until the member meets the annual individual deductible. Only amounts incurred for covered services that are subject to the annual individual deductible will count toward the annual individual deductible. Benefit plans may have an annual individual deductible only or both an annual individual and annual family deductible. No further deductible will be required for any individual family member when the individual deductible amount has been satisfied for the rest of the plan year. For plans with both annual individual and family deductibles, no further deductible will be required from any covered family member for the rest of the plan year when the annual family deductible has been met.
As previously indicated, only certain covered services apply to the annual individual and family deductibles. Covered services that do not apply to the annual individual and family deductibles may incur a member cost-share that is considered separate from, and not included in, the annual individual and family deductibles. The annual individual and family deductibles apply to the annual individual and family out-of-pocket maximums. The amounts applied are based upon UnitedHealthcare’s contracted rates, copayments and coinsurance.
Annual out-of-pocket maximum is equal to the member’s annual copayment maximum (if any), as shown on the member’s Evidence of Coverage (EOC).
Cost-sharing for certain types of covered services may not apply toward the annual out-of-pocket maximum. Refer to the member’s EOC to determine applicability to the benefit plan. When an individual member’s out-of-pocket expenses has reached the individual annual out-of-pocket maximum, no further cost-share amounts will be due by the member for those services that apply to the annual out-of-pocket maximum. Plans with benefits that do not apply to the annual out-of-pocket maximum will still require cost-sharing for those excluded benefits after the annual out-of-pocket maximum reached.
Cost-share is defined as amounts paid by the member such as copayments, coinsurance and deductibles according to their plan benefits.
For all MA products, coinsurance is calculated as follows:
This coinsurance calculation is consistent with the definition of coinsurance as the amount a member pays as their share of the cost for services or prescription drugs. The methodology is used for all UnitedHealthcare MA plans nationwide. Ensure you have the correct system setup and use consistent coinsurance calculations to help reduce member appeals and complaints.
Do not charge additional fees for:
You may charge members for:
Concierge/boutique medical practices charge members a service fee in exchange for longer visits, a commitment from the practices for shorter wait times or, in many cases, access to the provider’s cell phone number and email address to get in touch with their health care provider quickly.
We will allow our contracted network providers to charge concierge/boutique medicine fees with the following restrictions:
You may collect payment from our commercial members for services not covered under their benefit plan if you first get the member’s written consent. The member must sign and date the consent before the service is done. Keep a copy in the member’s medical record. If you know or have reason to suspect the member’s benefits do not cover the service, the consent must include:
For MA members, in addition to obtaining the member’s written consent before the service is done, you must do the following:
Use our Provider Authorization and Notification (PAAN) tool in the UnitedHealthcare Provider Portal to submit an advance notification request. The PAAN tool does not issue denials. It tells you if a procedure code requires a review or not. For more information, go to uhcprovider.com/paan.
You should know or have reason to suspect that a service or item may not be covered if:
If you followed this protocol and requested a pre-service organization determination, and an IDN was issued before the non- covered service was rendered, you must include the GA modifier on your claim for the non-covered service. Including the GA modifier on your claim helps ensure your claim for the non-covered service is appropriately adjudicated as member liability.
Do not bill the member for non-covered services in cases where you do not follow this protocol. If you don’t follow the terms of this protocol (such as requesting a pre-service organization determination for a MA member or rendering the service to a MA member before we issue the pre-service organization determination), you may receive an administrative claim denial. You cannot bill the member for administratively denied claims.
You cannot bill members for covered services beyond their normal cost-sharing amounts (copayment, deductible or coinsurance).
You must either:
Dual-eligible members qualify for both Medicare and Medicaid. If you are a participating health care provider in our MA network, you cannot refuse to see these members. For dual-eligibles for whom the state is responsible for covering Medicare cost-sharing, our contract requires that you accept payments made by or on behalf of our MA plans for covered Part A and B services as payment in full. You can bill the appropriate state Medicaid source for the balance.
QMBs are not responsible for Medicare cost-sharing under CMS regulations. Medicare cost-sharing includes the deductibles, coinsurance and copays associated with covered Part A and B services included under MA plans. You cannot bill, charge, collect a deposit from or seek compensation from any MA member who is eligible for both Medicare and Medicaid. You can accept payment from us as payment in full or bill Medicaid for the remaining amount.