CAPITAL CORP. SYDNEY

73 Ocean Street, New South Wales 2000, SYDNEY

Contact Person: Callum S Ansell
E: callum.aus@capital.com
P: (02) 8252 5319

WILD KEY CAPITAL

22 Guild Street, NW8 2UP,
LONDON

Contact Person: Matilda O Dunn
E: matilda.uk@capital.com
P: 070 8652 7276

LECHMERE CAPITAL

Genslerstraße 9, Berlin Schöneberg 10829, BERLIN

Contact Person: Thorsten S Kohl
E: thorsten.bl@capital.com
P: 030 62 91 92

Medical Insurance

BankUnited offers three medical plans to eligible employees: Choice, Choice Plus, and Choice HSA. All medical plans are administered in partnership with United Healthcare. All plans provide the same full coverage for preventive care services, the same comprehensive list of covered prescription drugs, as well as the same nationwide network of providers. To enroll in any of these plans during an eligible timeframe (i.e. Open enrollment, New Hire enrollment, or Qualifying Life Event) log in to ADP Employee Self Service Portal.

  • Preventive Care Guidelines document outlines the services UHC covers at 100% for preventive care based on age and gender.
  • Prescription Drug List document also known as the formulary lists all prescriptions that are covered (with applicable copays and deductible amounts to be paid) on all plans. Each medication will be categorized as a Tier 1, 2, or 3 drug for which copays are outlined in the details of each plan.
  • All three medical plans benefit from the same nationwide network. In network providers and facilities can be found in the UHC website.

Medical Plans

IN-NETWORK:
Deductible (Individual / Family) $1,000/$3,000
Maximum Out-of-Pocket (Individual / Family) $4,000/$10,000
Out-of-Pocket Max includes copays, Rx,
coinsurance, CYD
Lifetime Major Medical Maximum Unlimited
Coinsurance 80%
CO-PAYS  
PCP Required / Open Access Open Access
Office Visits/Consultations for Illness/Injury $30
Specialist Visits $50
Physician Services (Out of Office) 80% after CYD
Inpatient Hospital 80% after CYD
Outpatient Surgery 80% after CYD
Emergency Room $300
Urgent Care $75
OUTPATIENT DIAGNOSTIC SERVICES
Lab Services 100%
X-Ray Services 100%
Complex Diagnostic 80% after CYD
PRESCRIPTIONS
Retail (30 day supply) $10/$35/$60
Mail Order (90 day supply) 2.5 x retail
OUT-OF-NETWORK:
Deductible (Individual / Family) N/A
Maximum Out-of-Pocket (Individual / Family) N/A
Lifetime Major Medical Maximum N/A
Coinsurance N/A

Things to Know

  • The Family deductible is $1000 per person up to 3 people.
  • Co-pays does not count towards your deductible.
  • Not available in all States.
  • No Out of network allowance.

Not available in AL, AK, AR, AZ, HI, KS, LA, MN, MS, MT, NC, NM or OK

Resources:

This plan is structured the same as our Choice plan but with some slight differences in copays and deductible amounts as well as out of network options and is available in ALL states.

IN-NETWORK:
Deductible (Individual / Family) $1,500/$4,500
Maximum Out-of-Pocket (Individual / Family) $4,000/$10,000
Out-of-Pocket Max includes copays, Rx,
coinsurance, CYD
Lifetime Major Medical Maximum Unlimited
Coinsurance 70%
CO-PAYS  
PCP Required / Open Access Open Access
Office Visits/Consultations for Illness/Injury $25
Specialist Visits $45
Physician Services (Out of Office) 70% after CYD
Inpatient Hospital 70% after CYD
Outpatient Surgery 70% after CYD
Emergency Room $300
Urgent Care $75
OUTPATIENT DIAGNOSTIC SERVICES
Lab Services 100%
X-Ray Services 100%
Complex Diagnostic $200
PRESCRIPTIONS
Retail (30 day supply) $10/$35/$60
Mail Order (90 day supply) 2.5 x retail
OUT-OF-NETWORK:
Deductible (Individual / Family) $3,000/$9,000
Maximum Out-of-Pocket (Individual / Family) $9,000/$27,000
Lifetime Major Medical Maximum Unlimited
Coinsurance 60%

*CYD stands for Calendar Year Deductible

Things to Know

  • The Family deductible is $1500 per person up to 3 people.
  • Co-pays do not count towards your deductible.
  • Out of network services are still subject to balance billing

Resources:

IN-NETWORK:
Deductible (Individual / Family) $2,000/$4,000
Maximum Out-of-Pocket (Individual / Family) $4,500/$6,850
Out-of-Pocket Max includes copays, Rx,
coinsurance, CYD
Lifetime Major Medical Maximum Unlimited
Coinsurance 90%
CO-PAYS  
PCP Required / Open Access Open Access
Office Visits/Consultations for Illness/Injury 90% after CYD
Specialist Visits 90% after CYD
Physician Services (Out of Office) 90% after CYD
Inpatient Hospital 90% after CYD
Outpatient Surgery 90% after CYD
Emergency Room 90% after CYD
Urgent Care 90% after CYD
OUTPATIENT DIAGNOSTIC SERVICES
Lab Services 90% after CYD
X-Ray Services 90% after CYD
Complex Diagnostic 90% after CYD
PRESCRIPTIONS After CYD:
Retail (30 day supply) $10/$35/$60
Mail Order (90 day supply) 2.5 x retail
OUT-OF-NETWORK:
Deductible (Individual / Family) $4,000/$8,000
Maximum Out-of-Pocket (Individual / Family) $9,000/$27,000
Lifetime Major Medical Maximum Unlimited
Coinsurance 60%

Things to Know

  • High Deductible Health Plan/ Health Savings Account ( 2 Part plan).
  • Family Deductible is a household deductible meaning all household participants may contribute towards meeting it.
  • Out of network services are subject to balance billing.
  • BankUnited Contributes $1000 to all employee HSA accounts ( prorated after January)
  • Rx subject to deductible (unless listed on $0 copay list see link below)
  • Office visits are subject to deductible.
  • Not an HMO plan. Participants are free to see any in network provider without referral.

Resources:

  • Health Savings Account Information: The HSA medical plan is paired with a free BankUnited (HSA) Health Savings Account. This is considered a tax advantaged account with numerous benefits and therefore is subject to IRS rules. Learn more about how to start and use an HSA to maximize it’s benefits in the Tax Advantaged Accounts Section.
  • The HSA $0 Copay List: The drugs listed on this document are covered at absolutely no cost to the HSA plan participants. This list is an addition to the already existing formulary of covered prescription drugs for all BankUnited medical plans.
  •  An easy to read Summary of Benefits and Coverage (SBC)  that lets you make apples to apples comparisons of costs and coverage. The SBC shows how the cost for covered health services would be shared with the health plan.
  •  Summary Plan Description (SPD) Plan provides a deeper dive into all covered and excluded benefits as required by law.

Medical Plans Comparison