Post Docs: Comparing the Medical Plans

PPO Medical Plan

All GW Postdoc Associates, Scholars, and their eligible dependents are able to enroll in the GW Postdoc PPO.

Review the table below for coverage details. Review 2024 contribution rates for dental coverage.

	In-Network	Out-of-Network
Core Benefits	Postdoc Pays	Postdoc Pays
Deductible Single / Family	$300 / $900	$800 / $2,400
Out of Pocket Maximums Single / Family	$2,500 / $7,500	$3,000 / $9,000
Office Visit/Specialist Visit	$30/$40 Copay	40%* after deductible
Virtual Visits	No Copay	Not Covered
Annual Wellness Visit	No Copay	40% after deductible*
Inpatient Hospital	20% after deductible*	40% after deductible*
Outpatient Surgery	20% after deductible*	40% after deductible*
Emergency Room	$150 copay
Urgent Care	$30 copay	40%* after deductible
Rx**	$10 Tier 1
	$30 Tier 2
	$50 Tier 3

*After deductible has been met
**Pharmacy Benefits through Optum Rx

 

Medical Plan Well-Being Programs

Postdoc Associates, Scholars and their eligible dependents enrolled in the GW Postdoc PPO can participate in the programs listed below at no additional cost:

• Real Appeal: An online weight loss program focused on making small changes for a healthier life. Includes online coach, 24/7 online support and mobile app.
• The Cancer Support Program: A cancer diagnosis can change your life forever. UHC is here to help. Their oncology team will work with you to get the treatment, care and support that you and your family need.
• Quit for Life: Personal support program for covered UHC members including dependents over the age of 18 to help you with smoking cessation
• UHC Maternity Support Program: If you are pregnant and covered under a GW health plan, you are eligible (and encouraged) to participate in the UHC Maternity Support Program at no cost. Participants gain access to 24-hour toll-free call support from experienced nurses, pregnancy and childbirth educational materials, post-natal kits, individual consultation and more. You may also earn financial incentives for participating in the program
• UHC Rewards: Good news — your health plan comes with a new way to earn up to $300 and you can use it however you want. UnitedHealthcare Rewards is included in your health plan at no additional cost. Personalize your experience by selecting activities that are right for you — and look for new ways of earning rewards to be added throughout the year. Eligible members can earn dollars for taking small steps towards creating a healthier lifestyle. Members can choose from a variety of reward activities including: sleep tracking, fitness tracking, completing biometrics and / or a health survey, going paperless and more. Get started by signing into myuhc.com and selecting UHC Rewards.

Please Note: PDFs with additional information on these programs can be found under Wellness Programs on the Postdoc Benefit page.

 

Simple Therapy

All Postdocs as well as their covered dependents (age 18 or older) who are enrolled in the GW Postdoc PPO are eligible for the SimpleTherapy program.

SimpleTherapy combines a comprehensive digital program with Live Physical Therapists to help you manage and prevent pain across 18 body parts through 5-15 minute exercise therapy sessions and Live PT consults. This employer-sponsored program includes unlimited coaching support, and a care pack filled with everything needed to address pain or prevent injuries anytime, anywhere.

Members maintain a continuous relationship with a Licensed PT virtually beginning from the first 30–45- minute comprehensive visit and extending to every visit thereafter as much as the member needs. Members also have access to a diverse panel of board-certified physicians, DC, DPT and PA and they receive coordinated care from a consistent team of specialists based on their health needs.

SimpleTherapy's core program is available at no cost. For members that would like to enroll in SimpleTherapy's telehealth services*, you may pay a share of the cost in the form of a copay, annual deductible, or coinsurance.

*Members who are not progressing in SimpleTherapy’s core digital program will have the opportunity to work with their physical therapist to evaluate the need moving to SimpleTherapy telehealth physical therapy services. Members will work directly with their Physical Therapist who will help them enroll and get started with their telehealth physical therapy visits.

What you can expect from your telehealth PT visit:

• Movement Evaluation to determine your true problem
• Education on why you are hurting and how to prevent it from reoccurring
• Exercise prescription specifically to meet your needs

 

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My UHC-Member Portal

UnitedHealth care allows members to access a plethora of health insurance resources including digital ID cards, claims review, provider directory access and more.

To register for myuhc, simply:

• Visit myuhc.com
• Select Register Now

Use the information on your UHC ID card to complete the registration process