UVA Health Plan 2021

UVA Health Plan 2021


UVA offers 3 Health Plan options: Choice, Value, and Basic Health. Knowing your needs and understanding the different health plan options will help you make informed choices during Open Enrollment. Benefits options change year to year. Ensure you're aware of the changes for this year. Some of these include:

  • Premiums will increase for all three health plans, but more so for Choice Health - see below for comparison charts
  • Deductibles will increase for Choice Health, decrease for Value Health, and stay the same for Basic Health
  • Coinsurance will increase for Choice Health
  • Copays will increase for Value Health
  • Out-of-pocket for Basic Health is decreasing
  • Supplemental Benefit Credit will increase from $450 to $550 for eligible Academic Staff
  • Deductible for Choice and Value Health includes medical and pharmacy, except those with copayments
  • Deductible will be waived for preventive medications on OptumRx Preventive Medication List. 
  • Bariatric procedures must be performed in a Bariatric Institute of Quality (IOQ) to ensure quality; there is no out-of-network coverage. View a list of IOQs.
  • No age cap for Autism-Applied Behavior Analysis
  • A new UVA J1 Visa Health Plan for employees on J1 visas

The following resources can help you determine which UVA Health Plan option is the best fit for your needs. You can find many more on our Open Enrollment Resources page.

2020 UVA Health Plan premiums:

Select your employee category to see 2021 UVA Health Plan premiums. The tables for 2021 will show both the Employee Premium (what you contribute each month) and the Employer Premium (what UVA contributes toward your health plan each month).

Continue to scroll to see the 2020 Health Plan Premiums for comparison purposes. While premiums do increase this year, you will also see the significant amount UVA contributes on each employee's behalf to lessen the impact for each individual. 

  • Full-Time Faculty, Classified Staff, Medical Center Team Members, Research Associates, Senior Professional Research Staff, and University Staff

    2020 Monthly Premiums

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $183.00 $493.25 $676.25
    Employee + Child(ren) $370.25 $821.75 $1,192.00
    Employee + Spouse $477.00 $1,055.50 $1,532.50
    Family $706.00 $1,510.50 $2,216.50

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $87.50 $470.00 $557.00
    Employee + Child(ren) $140.25 $833.25 $973.50
    Employee + Spouse $176.25 $1,075.00 $1,251.25
    Family $282.25 $1,528.75 $1,811.00

     

    Monthly Rate - Basic Employee Rate Employer Rate Total Rate
    Employee $20.00 $464.25 $484.25
    Employee + Child(ren) $25.25 $821.75 $847.00
    Employee + Spouse $33.25 $1,055.50 $1,088.75
    Family $63.00 $1,510.50 $1,573.50

     

    2019 Monthly Premiums

     

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $152.50 $493.25 $645.75
    Employee + Child(ren) $308.50 $821.75 $1,130.25
    Employee + Spouse $397.50 $1,055.50 $1,453.00
    Family $588.25 $1,510.50 $2,098.75

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $76.00 $470.00 $546.00
    Employee + Child(ren) $122.00 $833.25 $955.25
    Employee + Spouse $153.25 $1,075.00 $1,228.25
    Family $245.50 $1,528.75 $1,774.25

     

    Monthly Rate - Basic Employee Rate Employer Rate Total Rate
    Employee $19.00 $464.25 $483.25
    Employee + Child(ren) $24.00 $821.75 $845.75
    Employee + Spouse $31.75 $1,055.50 $1,087.25
    Family $60.00 $1,510.50 $1,570.50
  • Housestaff

    2020 Monthly Premiums

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $78.00 $598.25 $676.25
    Employee + Child(ren) $89.25 $1,102.75 $1,192.00
    Employee + Spouse $91.50 $1,441.00 $1,532.50
    Family $101.50 $2,115.00 $2,216.50

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $62.75 $494.75 $557.00
    Employee + Child(ren) $63.00 $910.50 $973.50
    Employee + Spouse $64.25 $1,187.00 $1,251.25
    Family $64.50 $1,746.50 $1,811.00

    2019 Monthly Premiums

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $65.00 $580.75 $645.75
    Employee + Child(ren) $74.25 $1,056.00 $1,130.25
    Employee + Spouse $76.25 $1,376.75 $1,453.00
    Family $84.50 $2,014.25 $2,098.75

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $54.50 $491.50 $546.00
    Employee + Child(ren) $54.75 $900.50 $955.25
    Employee + Spouse $55.75 $1,172.50 $1,228.25
    Family $56.00 $1,718.25 $1,774.25

     

  • Retirees

    Non-Medicare eligible plans through UVA

    2020 Monthly Premiums Basic Health Value Health Choice Health
    Retiree $756.75 $1,109.00 $1,194.25
    Retiree + Child/Children $1,424.25 $2,086.75 $2,354.00
    Retiree + Spouse $1,523.00 $2,230.75 $2,545.75
    Family $2,288.50 $3,352.00 $3,894.75

     

    2019 Monthly Premiums Basic Health Value Health Choice Health
    Retiree $756.75 $1,109.00 $1,194.25
    Retiree + Child/Children $1,424.25 $2,086.75 $2,354.00
    Retiree + Spouse $1,523.00 $2,230.75 $2,545.75
    Family $2,288.50 $3,352.00 $3,894.75

    Medicare-Supplement Plans

    See Medicare-Supplement Plans through Anthem Blue Cross/Blue Shield.

  • Temporary and Wage Employees

    2020 Monthly Premiums - Basic Health Employee Rate Employer Rate Total Rate
    Employee $181.50 $234.75 $416.25
    Employee + Child/Children $503.00 $234.75 $737.75
    Employee + Spouse $717.50 $234.75 $952.25
    Family $1,461.25 $234.75 $1,381.00

     

    2019 Monthly Premiums - Basic Health  Employee Rate Employer Rate Total Rate
    Employee $153.75 $254.75 $408.50
    Employee + Child/Children $460.00 $254.75 $714.75
    Employee + Spouse $664.25 $254.75 $919.00
    Family $1,072.50 $254.75 $1,327.25

     

  • Part-Time Classified Staff

    2020 Employee Premiums

    2020 Monthly Premiums Basic Health Value Health Choice Health
    Employee $484.25 $557.50 $676.25
    Employee + Child/Children $847.00 $973.50 $1,192.00
    Employee + Spouse $1,088.75 $1,251.25 $1,532.50
    Family $1,573.50 $1,811.00 $2,216.50

    2019 Employee Premiums

    2019 Monthly Premiums Basic Health Value Health Choice Health
    Employee $483.25 $546.00 $645.75
    Employee + Child/Children $845.75 $955.25 $1,130.25
    Employee + Spouse $1,087.25 $1,228.25 $1,453.00
    Family $1,570.50 $1,774.25 $2,098.75
  • Part-Time Faculty, Research Associates, Senior Professional Research Staff, and University Staff

    2020 Monthly Premiums

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $429.75 $246.50 $676.25
    Employee + Child(ren) $781.25 $410.75 $1,192.00
    Employee + Spouse $1,004.75 $527.75 $1,532.50
    Family $1,461.25 $755.25 $2,216.50

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $322.50 $235.00 $557.00
    Employee + Child(ren) $557.00 $416.50 $973.50
    Employee + Spouse $713.75 $537.50 $1,251.25
    Family $1,046.75 $764.25 $1,811.00

     

    Monthly Rate - Basic Employee Rate Employer Rate Total Rate
    Employee $252.25 $232.00 $484.25
    Employee + Child(ren) $436.25 $410.75 $847.00
    Employee + Spouse $561.00 $527.50 $1,088.75
    Family $818.25 $755.25 $1,573.50

    2019 Monthly Premiums

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $399.00 $246.75 $645.75
    Employee + Child(ren) $719.25 $411.00 $1,130.25
    Employee + Spouse $925.25 $527.75 $1,453.00
    Family $1,343.50 $755.25 $2,098.75

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $311.00 $235.00 $546.00
    Employee + Child(ren) $538.50 $416.75 $955.25
    Employee + Spouse $690.75 $537.50 $1,228.25
    Family $1,009.75 $764.50 $1,774.25

     

    Monthly Rate - Basic Employee Rate Employer Rate Total Rate
    Employee $251.00 $232.25 $483.25
    Employee + Child(ren) $434.75 $411.00 $845.75
    Employee + Spouse $559.50 $527.75 $1,087.25
    Family $815.25 $755.25 $1,570.50
  • Part-Time Medical Center Team Members

    2020 Monthly Premiums

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $206.00 $470.25 $676.25
    Employee + Child(ren) $381.50 $810.50 $1,192.00
    Employee + Spouse $490.50 $1042.00 $1,532.50
    Family $875.25 $1,341.25 $2,216.50

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $169.25 $388.25 $557.50
    Employee + Child(ren) $297.75 $675.75 $973.50
    Employee + Spouse $384.50 $866.75 $1,251.25
    Family $733.00 $1,078.00 $1,811.00

     

    Monthly Rate - Basic Employee Rate Employer Rate Total Rate
    Employee $146.75 $337.50 $484.25
    Employee + Child(ren) $254.25 $592.75 $847.00
    Employee + Spouse $326.75 $762.00 $1,088.75
    Family $575.25 $998.25 $1,573.50

    2019 Monthly Premiums

    Monthly Rate - Choice Employee Rate Employer Rate Total Rate
    Employee $196.50 $449.25 $645.75
    Employee + Child(ren) $339.00 $791.25 $1,130.25
    Employee + Spouse $435.75 $1,017.25 $1,453.00
    Family $828.75 $1,270.00 $2,098.75

     

    Monthly Rate - Value Employee Rate Employer Rate Total Rate
    Employee $165.75 $380.25 $546.00
    Employee + Child(ren) $292.00 $663.25 $955.25
    Employee + Spouse $377.25 $851.00 $1,228.25
    Family $718.00 $1,056.25 $1,774.25

     

    Monthly Rate - Basic Employee Rate Employer Rate Total Rate
    Employee $146.25 $337.00 $483.25
    Employee + Child(ren) $253.75 $592.00 $845.75
    Employee + Spouse $326.25 $761.00 $1,087.25
    Family $574.00 $996.50 $1,570.50
As an employee of UVA for 34 years, I have appreciated UVA’s benefits, both direct and indirect. This program has seen me through raising children, unexpected health issues, my own aging parents, and more. Garth Anderson, Resource Center Manager

COBRA Rates

As a COBRA participant, you can choose enrollment only in the same option in which you were enrolled on your last day of coverage as an active employee, Postdoc Fellow, or Housestaff. Monthly COBRA premiums are listed below. 

  • ACTIVE EMPLOYEES AND RESEARCH ASSOCIATES

    2020 Active Employees and Research Associates Cobra Basic Cobra Value Cobra Choice
    Employee $493.94 $568.65 $689.78
    Employee + Child/Children $863.94 $992.97 $1,215.84
    Employee + Spouse $1,110.53 $1,276.28 $1,563.15
    Family $1,604.97 $1,847.22 $2,260.83

     

     

    2019 Active Employees and Research Associates Cobra Basic Cobra Value Cobra Choice
    Employee $492.92 $556.92 $658.67
    Employee + Child/Children $862.67 $974.36 $1,152.86
    Employee + Spouse $1,109.00 $1,252.82 $1,482.06
    Family $1,601,91 $1,809.74 $2,140.73
  • Active Wage Employees

    2020 Active Wage Employees  Cobra Basic
    Employee $424.58
    Employee + Child/Children $752.51
    Employee + Spouse $971.30
    Family $1,408.62

     

    2019 Active Wage Employees Cobra Basic 
    Employee $416.67
    Employee + Child/Children $729.05
    Employee + Spouse $937.38
    Family $1,353.80
  • Postdoctoral Fellows

    2020 Postdoctoral Fellows  Cobra Value Cobra Choice
    Postdoc $511.53 $570.18
    Postdoc + Child/Children $758.63 $865.73
    Postdoc + Spouse $1,049.07 $1,186.26
    Family $1,511.39 $1,711.56

     

    2019 Postdoctoral Fellows  Cobra Value  Cobra Choice 
    Postdoc $393.47 $438.60
    Postdoc + Child/Children $583.44 $665.81
    Postdoc + Spouse $806.82 $912.39
    Family $1,162.55 $1,316.57
  • Housestaff

    2020 Housestaff  Cobra Value Cobra Choice
    Employee $568.65 $689.78
    Employee + Child/Children $992.97 $1,215.84
    Employee + Spouse $1,276.28 $1,563.15
    Family $1,847.22 $2,260.83

     

    2019 Housestaff  Cobra Value Cobra Choice
    Employee $556.92 $658.67
    Employee + Child/Children $974.36 $1,152.86
    Employee + Spouse $1,252.82 $1,482.06
    Family $1,809.74 $2,140.73

FAQs - Health Plan

  • Can married UVA employees share a health plan?

    Yes, two UVA spouses may choose who covers and who waives, or they may have separate plans.

    Spouses who work at other employers with their own affordable coverage must be on their employer plan, per the spousal affidavit.

  • How do I decide what health plan is best for me?

    Try our health insurance analytical tool, Picwell, to help you choose.

    You can map out what you’ll need from your benefits in 2021 by reviewing how you’ve used them in 2020 and thinking about anything new you might need next year. Reviewing how you’ve spent funds and used benefits over the last year can be a huge help when selecting a plan. The following resources can help you look back, in order to take care of yourself in 2021:

    Here are helpful questions to ask yourself. Do you have: 

    • Any medical or dental procedures planned? 
    • Any upcoming glasses or contact lens needs?
    • Any changes in dependent care ?
    • A need for replacements to medical or assistive devices?
    • Potential life events — for example, new marriage, new children, or children after age 13 no longer eligible for Dependent Care FSA funds?
    • Dependents' social security numbers listed correctly in Workday?​
  • How do preventive care services compare between the three health plans?

    Preventive care services (in-network only) are the same for all three health plans, and are covered at 100%, with no deductible.

FAQs - Health Plan and Medicare

  • Can I sign up for the Basic Health Plan or the Basic Health HSA if I’m enrolling in Medicare?

    No. If you plan to enroll in Medicare, you are not eligible to sign up for Basic Health and are not eligible for a Basic Health HSA. The UVA Health Plan does not allow movement from one option to another during the year for any reason. Therefore, you cannot move from Basic Health to Value Health or Choice Health or vice versa anytime during 2021 if you are thinking about enrolling in Medicare for the same year. You will be out of compliance with IRS which may incur a penalty and will have to address this when you complete your 2021 tax returns.

    When considering health plan options during Open Enrollment, make sure your choices for the following calendar year are appropriate for the entire year.

  • Can I sign up for Basic Health Plan or the Basic Health HSA if my spouse on my UVA Health Plan is enrolled in Medicare?

    You may use HSA funds for your spouse even if your spouse is on Medicare. The spouse must be declared on your federal income taxes as a dependent (i.e. filing jointly), and the expense in question is not already covered by Medicare. Otherwise, if the expense is eligible, not already covered by insurance, and your spouse is a tax dependent, then you may use HSA funds to pay for it.

    You and your Medicare-eligible dependent will still receive $1,500 seed money for your Basic Plan HSA.

FAQs - Health Plan and J1 Visa

Additional Information

  • Dependents: While reviewing your benefit elections, be sure to check any dependent information listed and confirm that each dependent’s social security number, birth date, and continued eligibility for coverage is accurate. Now is the time to drop ineligible dependents.
  • FAMIS Virginia’s Affordable Health Care for Children: To see if you qualify for FAMIS, go to Cover Virginia and call 1.855.242.8282, Option 8 to apply.

  • COBRA participants: Visit Chard Snyder COBRA Customer Service on the web or call 1.888.878.6175.

Important Information about Basic Health Eligibility:

In order to enroll in the Basic Health plan, you must:

  • Be eligible for UVA’s health savings account (HSA) program

  • Be enrolled in a high deductible health plan (HDHP) if you are covered by another health care plan

  • Not be covered by any part Medicaid or Tricare, or be enrolled in Medicare Part A or Part B in the year 2020.

  • Not be a J1 Visa holder (federal government regulations prohibit J1 Visa holders from enrolling in the Basic Health option)

Resources

Summary of Material Modifications 

Open Enrollment materials constitute a Summary of Material Modifications for UVA Health Plan changes effective Jan. 1, 2020.