University of Toledo

2021 UToledo Medical Plan Comparison

Silver (Paramount)

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A PPO plan is a managed care plan, which means the plan is guided by both insurance and medical professionals. This type of plan allows you to visit both in-network and out-of-network doctors/healthcare providers. You will typically pay a co-pay or co-insurance when visiting your doctor or undergoing a medical procedure, but you benefit from the lower rates that come with a managed care plan. Printable PDF

  Tier 1 Tier 2 Out-Of-Network
Deductible: $150 Single
$300 Single +1
$300 Family
$300 Single
$600 Single +1
$600 Family
$1,000 Single
$2,000 Single +1
$2,000 Family
Out-of-Pocket Max: $1,250 Single
$2,500 Single +1
$2,500 Family
$2,500 Single
$5,000 Single +1
$5,000 Family
$4,000 Single
$8,000 Single + 1
$8,000 Family
Co-Insurance: 95% 85% 70%
Office Visit: $15 $25 70% (AD)
Specialist Visit: $30 $40 70% (AD)
Emergency Room - Facility: $200 (waived if admitted) $200 (waived if admitted) $200 (waived if admitted)
Emergency Room - Professional and Ancillary: 95% 85% (AD) 85% (AD)
Urgent Care: N/A $50 $50
Preventive Services: 100% (DW) 100% (DW) 70%
Diagnostic Services: 95% 85% (AD) 70% (AD)
Accounts: A Flexible Spending Account (FSA) is available with this plan to offset out-of-pocket expenses. All expenses incurred in 2021 must be submitted by March 31, 2022 for reimbursement. Whatever is not used is forfeited. The IRS FSA contribution limit for 2020 is $2,750.
Network(s): Paramount Employer Select (ProMedica) in Ohio and First Health outside of northwest Ohio.
DW = Deductible Waived, AD = After Deductible

Blue (Paramount)

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A CDHP is a high-deductible health plan in which you have greater control over your medical care, healthcare costs and expenses because you decide where to go to receive your services. Once you have met your annual out-of-pocket maximum, the plan pays the remainder of your annual medical and prescription drug costs. Printable PDF

  Tier 1 Tier 2 Out-Of-Network
Deductible: $1,500 Single
$3,000 Single +1
$3,000 Family
$2,000 Single
$4,000 Single +1
$4,000 Family
$2,500 Single
$5,000 Single +1
$5,000 Family
Out-of-Pocket Max: $2,100 Single
$4,200 Single +1
$4,200 Family
$3,100 Single
$6,200 Single +1
$6,200 Family
$4,100 Single
$8,200 Single +1
$8,200 Family
Co-Insurance: 95% (AD) 85% (AD) 70% (AD)
Office Visit: 95% (AD) 85% (AD) 70% (AD)
Specialist Visit: 95% (AD) 85% (AD) 70% (AD)
Emergency Room - Facility: 95% (AD) 85% (AD) 85% (AD)
Emergency Room - Professional and Ancillary: 95% (AD) 85% (AD) 85% (AD)
Urgent Care: N/A 85% (AD) 70% (AD)
Preventive Services: 100% (DW) 100% (DW) 70% (DW)
Diagnostic Services: 95% (AD) 85% (AD) 70% (AD)
Accounts: A Health Savings Account (HSA) with employer contributions is available with this plan to offset out-of-pocket medical expenses.  UToledo contributes $500/single, $750/single +1 and $1,000/family. The IRS HSA contribution limits for 2021 are $3,600/single and $7,200/family (for age 50+, an additional $1,000 may be contributed).
Network(s): Paramount Employer Select (ProMedica) in Ohio and First Health outside of northwest Ohio.
DW = Deductible Waived, AD = After Deductible

Bronze (FrontPath)

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A PPO plan is a managed care plan, which means the plan is guided by both insurance and medical professionals. This type of plan allows you to visit both in-network and out-of-network doctors/healthcare providers. You will typically pay a co-pay or co-insurance when visiting your healthcare provider or undergoing a medical procedure, but you benefit from the discounted rates that come with a managed care plan. Printable PDF

  Tier 1 Tier 2 Out-Of-Network
Deductible: $150 Single
$300 Single +1
$300 Family
$300 Single
$600 Single +1
$600 Family
$1,000 Single
$2,000 Single +1
$2,000 Family
Out-of-Pocket Max: $1,250 Single
$2,500 Single +1
$2,500 Family
$2,500 Single
$5,000 Single +1
$5,000 Family
$5,000 Single
$10,000 Single + 1
$10,000 Family
Co-Insurance: 95% 85% 70%
Office Visit: $15 $25 70% (AD)
Specialist Visit: $30 $40 70% (AD)
Emergency Room - Facility: $200 (waived if admitted) $200 (waived if admitted) $200 (waived if admitted)
Emergency Room - Professional and Ancillary: 95% 85% (AD) 85% (AD)
Urgent Care: N/A $50 $50
Preventive Services: 100% (DW) 100% (DW) No Coverage
Diagnostic Services: 95% 85% (AD) 70% (AD)
Accounts: A Flexible Spending Account (FSA) is available with this plan to offset out-of-pocket expenses. All expenses incurred in 2021 must be submitted by March 31, 2022 for reimbursement. Whatever is not used is forfeited. The IRS FSA contribution limit for 2020 is 2,750.
Network(s): FrontPath Network (most Mercy and ProMedica facilities) in Ohio and First Health Network outside of northwest Ohio.
DW = Deductible Waived, AD = After Deductible
Last Updated: 11/2/21