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Here is a library of resources available to help you learn more about your benefits anytime, day or night, throughout Open Enrollment. While this page is not an exhaustive collection of every benefits resource, it includes tools and guides that can help you better understand your options, such as how to read a Schedule of Benefits and other information that supports informed decision-making.

If you're looking for resources about a specific benefit, be sure to visit the corresponding benefits pages listed below or use the navigation menus on the right sidebar to explore additional plan-specific information, videos, documents, and tools.

Open Enrollment Glossary Frequently Asked Questions Benefits Overview Eligibility Information
UVA Benefits

Find an Open Enrollment Tool or Document

Tell us what you want to do, and we'll point you to the right tool, comparison, or coverage document.

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Select Interactive Tools

  • Visualize the Cost Sharing Options

    Choose your coverage level to compare employee premiums, deductibles, and UVA's contribution to the Health Savings Account.

    Who will you cover?
     
    UVA Benefits

    UVA Health Plan Cost Division

    Employee Only

    Health
    Savings
    UVA HSA contribution $1,000, shown as an offset to employee cost. Annual employee premium $840. Deductible $3,000.
    UVA PPO
    Annual employee premium $1,278. Deductible $800.
    Choice*
    Annual employee premium $3,078. Deductible $500. Choice Health is closed to new enrollees.
    View Out-of-Pocket Maximums

    Out-of-Pocket Maximum

    The out-of-pocket maximum is the most you would pay toward applicable covered in-network costs during the plan year before the UVA Health Plan begins paying 100% of covered in-network costs.

    Health Savings
    Per individual
    $6,500
     
    UVA PPO
    Per individual
    $5,500
     
    Choice Health
    Per individual
    $5,500
     

    Most people do not reach their out-of-pocket maximum in a given year.

    *Choice Health is closed to new enrollees.

  • Compare Health Plan Costs

    2027 UVA Health Plan

    Compare Health Plan Options and Covered-In Network Care Costs

    Choose who you will cover to compare the premium, deductible, UVA HSA contribution, and out-of-pocket maximums for each UVA Health Plan option.

    Who will you cover?

    Showing costs for Employee Only

    The three plan cards remain side by side. On smaller screens, scroll horizontally to view all plans.

    Health Savings

    Premium $840
    UVA HSA Contribution $1,000
    Deductible $3,000
    Individual Out-of-Pocket Maximum $6,500

    UVA PPO

    Premium $1,278
    UVA HSA Contribution Not applicable
    Deductible $800
    Individual Out-of-Pocket Maximum $5,500

    Choice Health

    Closed to new enrollees
    Premium $3,078
    UVA HSA Contribution Not applicable
    Deductible $500
    Individual Out-of-Pocket Maximum $5,500

    Out-of-Pocket Maximum

    The out-of-pocket maximum is the most you would pay for covered in-network medical care during the plan year before the UVA Health Plan begins paying 100% of covered in-network costs.

    Most people do not reach their out-of-pocket maximum in a given year.

  • Interactive Comparison of Benefits

    UVA Health Plan • Plan Year 2027

    Compare Benefits

    Choose a benefit category and service to compare covered in-network costs across Health Savings, UVA PPO, and Choice Health.

    Choice Health is closed to new enrollees. Prescription drug and pharmacy information is intentionally not included in this version.

    Benefit Category

    Choose a category. A service menu will appear below.

    Plan cost basics

    Choose an item from the dropdown to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Plan cost basics

    Annual Deductible

    Applies to services and covered prescriptions that have coinsurance; not applicable to services or prescriptions that have copayments or to amounts above the allowable amount or penalties.

    Cost comparison

    Health Savings

    Employee Only$3,000
    Employee + Spouse / Employee + Children / Family$6,000

    UVA PPO

    Employee Only$800
    Employee + Spouse / Employee + Children / Family$1,600

    Choice Health

    Closed to new enrollees
    Employee Only$500
    Employee + Spouse / Employee + Children / Family$1,000

    Plan cost basics

    Out-of-Pocket Maximum

    Includes coinsurance, deductible, copayments, and covered prescriptions; not applicable to amounts above the allowable amount or penalties.

    Cost comparison

    Health Savings

    Per individual$6,500
    Family$13,000

    UVA PPO

    Per individual$5,500
    Family$11,000

    Choice Health

    Closed to new enrollees
    Per individual$5,500
    Family$11,000

    Plan cost basics

    Plan Coinsurance

    For services subject to coinsurance, you pay the cost of care until your deductible is met. After meeting your deductible, you pay the coinsurance percentage shown below.

    Important detail: Costs for non-covered prescriptions or services do not count toward your deductible or out-of-pocket maximum.

    Cost comparison

    Health Savings

    After deductible20%

    UVA PPO

    After deductible20%

    Choice Health

    Closed to new enrollees
    After deductible15%

    Professional Services in Office or Outpatient

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Professional Services in Office or Outpatient

    Primary Care Visit

    Cost comparison

    Health Savings

    Cost sharingAfter deductible: 20%

    UVA PPO

    Cost sharing$40 Copayment

    Choice Health

    Closed to new enrollees
    Cost sharingAfter deductible: 15%

    Professional Services in Office or Outpatient

    Specialty Care Visit

    Cost comparison

    Health Savings

    Cost sharingAfter deductible: 20%

    UVA PPO

    Cost sharing$80 Copayment

    Choice Health

    Closed to new enrollees
    Cost sharingAfter deductible: 15%

    Professional Services in Office or Outpatient

    Maternity / Routine Prenatal

    Cost comparison

    Health Savings

    Cost sharingPaid in Full

    UVA PPO

    Cost sharingPaid in Full

    Choice Health

    Closed to new enrollees
    Cost sharingPaid in Full

    Professional Services in Office or Outpatient

    Other Associated Charges

    Cost comparison

    Health Savings

    Cost sharingAfter deductible: 20%

    UVA PPO

    Cost sharingAfter deductible: 20%

    Choice Health

    Closed to new enrollees
    Cost sharingAfter deductible: 15%

    Teladoc Consultations

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Teladoc Consultations

    Annual Virtual Wellness Visit (Age 18+)

    Available only through the Teladoc Provider Network.

    Cost comparison

    Health Savings

    Cost sharingPaid in Full

    UVA PPO

    Cost sharingPaid in Full

    Choice Health

    Closed to new enrollees
    Cost sharingPaid in Full

    Teladoc Consultations

    Virtual Teladoc Primary Care (Age 18+)

    Available only through the Teladoc Provider Network.

    Cost comparison

    Health Savings

    Cost sharing$145 initial visit; $85 per visit until deductible is met, then Paid in Full

    UVA PPO

    Cost sharingPaid in Full

    Choice Health

    Closed to new enrollees
    Cost sharingPaid in Full

    Teladoc Consultations

    General Medicine

    Available only through the Teladoc Provider Network.

    Cost comparison

    Health Savings

    Cost sharing$58 per visit until deductible is met, then Paid in Full

    UVA PPO

    Cost sharingPaid in Full

    Choice Health

    Closed to new enrollees
    Cost sharingPaid in Full

    Teladoc Consultations

    Mental Health Therapy (Age 13+)

    Available only through the Teladoc Provider Network.

    Cost comparison

    Health Savings

    Cost sharingUp to $90 per visit until deductible is met, then 20% coinsurance

    UVA PPO

    Cost sharing$40 Copayment

    Choice Health

    Closed to new enrollees
    Cost sharingUp to $90 per visit until deductible is met, then 15% coinsurance

    Teladoc Consultations

    Psychiatry

    Available only through the Teladoc Provider Network.

    Cost comparison

    Health Savings

    Cost sharing≤$215 initial visit; ≤$100 per visit until deductible is met, then 20% coinsurance

    UVA PPO

    Cost sharing$40 Copayment

    Choice Health

    Closed to new enrollees
    Cost sharing≤$215 initial visit; ≤$100 per visit until deductible is met, then 15% coinsurance

    Teladoc Consultations

    Dermatology

    Available only through the Teladoc Provider Network.

    Source information needs confirmation. The supplied source contains conflicting/overlapping text in the Choice Health Dermatology cell. That value is flagged here rather than inferred.

    Cost comparison

    Health Savings

    Cost sharing$85 per visit until deductible is met, then 20% coinsurance

    UVA PPO

    Cost sharing$80 Copayment

    Choice Health

    Closed to new enrollees
    Cost sharingSource needs confirmation

    Teladoc Consultations

    Caregiving (Age 18 Months+)

    Available only through the Teladoc Provider Network.

    Source information needs confirmation. The supplied source contains incomplete cost-sharing information for Caregiving. The values are marked pending rather than inferred.

    Cost comparison

    Health Savings

    Cost sharingInformation pending

    UVA PPO

    Cost sharingInformation pending

    Choice Health

    Closed to new enrollees
    Cost sharingInformation pending

    Preventive and early intervention

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Preventive and early intervention

    Preventive Care and Immunizations

    All plan options pay 100% for covered in-network preventive diagnostic, laboratory, and x-ray procedures. For non-preventive services, plan coinsurance applies after the annual deductible is met.

    Cost comparison

    Health Savings

    Preventive General Physical Examination — PCP OnlyPaid in Full
    Preventive Well-Child (Under Age 7) Visit — PCP OnlyPaid in Full
    Preventive Diagnostic Tests, Laboratory Services and X-ray Procedures — Non-Urgent OnlyPaid in Full
    Virtual Primary Care for Preventive General Physical Examination — PCP Only — and Referrals for Preventive Screening (18+)Paid in Full
    Common Communicable Diseases per CDC Guidelines, Excluding Foreign TravelPaid in Full

    UVA PPO

    Preventive General Physical Examination — PCP OnlyPaid in Full
    Preventive Well-Child (Under Age 7) Visit — PCP OnlyPaid in Full
    Preventive Diagnostic Tests, Laboratory Services and X-ray Procedures — Non-Urgent OnlyPaid in Full
    Virtual Primary Care for Preventive General Physical Examination — PCP Only — and Referrals for Preventive Screening (18+)Paid in Full
    Common Communicable Diseases per CDC Guidelines, Excluding Foreign TravelPaid in Full

    Choice Health

    Closed to new enrollees
    Preventive General Physical Examination — PCP OnlyPaid in Full
    Preventive Well-Child (Under Age 7) Visit — PCP OnlyPaid in Full
    Preventive Diagnostic Tests, Laboratory Services and X-ray Procedures — Non-Urgent OnlyPaid in Full
    Virtual Primary Care for Preventive General Physical Examination — PCP Only — and Referrals for Preventive Screening (18+)Paid in Full
    Common Communicable Diseases per CDC Guidelines, Excluding Foreign TravelPaid in Full

    Preventive and early intervention

    Early Intervention Services

    Lifetime maximum of $5,000 per covered member for all covered medical services.

    Cost comparison

    Health Savings

    Primary Care Physician VisitAfter deductible: 20% coinsurance
    Specialty Care VisitAfter deductible: 20% coinsurance

    UVA PPO

    Primary Care Physician Visit$40 Copayment
    Specialty Care Visit$80 Copayment

    Choice Health

    Closed to new enrollees
    Primary Care Physician VisitAfter deductible: 15% coinsurance
    Specialty Care VisitAfter deductible: 15% coinsurance

    Urgent, emergency, and hospital care

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Urgent, emergency, and hospital care

    Urgent Care Center — Coinsurance

    Must be an unexpected illness where services are needed sooner than a routine doctor’s visit.

    Cost comparison

    Health Savings

    After deductible20%

    UVA PPO

    After deductible20%

    Choice Health

    Closed to new enrollees
    After deductible15%

    Urgent, emergency, and hospital care

    Emergency Room Services — Coinsurance

    Must be an emergency to receive benefits. If admitted, benefits will be processed under hospital care benefits.

    Cost comparison

    Health Savings

    Emergency Room Visit — After Deductible25%
    Other Associated Charges — After Deductible25%

    UVA PPO

    Emergency Room Visit — After Deductible25%
    Other Associated Charges — After Deductible25%

    Choice Health

    Closed to new enrollees
    Emergency Room Visit — After Deductible20%
    Other Associated Charges — After Deductible20%

    Urgent, emergency, and hospital care

    Inpatient Hospital — Coinsurance

    Accommodations are semi-private unless private accommodations are approved for medical reasons. There are no limits on inpatient days.

    Cost comparison

    Health Savings

    Inpatient Care — After Deductible20%

    UVA PPO

    Inpatient Care — After Deductible20%

    Choice Health

    Closed to new enrollees
    Inpatient Care — After Deductible15%

    Urgent, emergency, and hospital care

    Outpatient Hospital — Coinsurance

    The source document does not include a separate description for this section.

    Cost comparison

    Health Savings

    Outpatient Procedures — After Deductible20%
    Other Associated Charges — After Deductible20%

    UVA PPO

    Outpatient Procedures — After Deductible20%
    Other Associated Charges — After Deductible20%

    Choice Health

    Closed to new enrollees
    Outpatient Procedures — After Deductible15%
    Other Associated Charges — After Deductible15%

    Specialized care

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Specialized care

    Bariatric Services — Coinsurance

    Using Aetna’s Institutes of Quality Network only.

    Cost comparison

    Health Savings

    Inpatient Services and Other Associated Charges — After Deductible20%

    UVA PPO

    Inpatient Services and Other Associated Charges — After Deductible20%

    Choice Health

    Closed to new enrollees
    Inpatient Services and Other Associated Charges — After Deductible15%

    Specialized care

    Transplant Services — Coinsurance

    Using Aetna’s Institutes of Excellence Network only.

    Cost comparison

    Health Savings

    Inpatient Services and Other Associated Charges — After Deductible20%

    UVA PPO

    Inpatient Services and Other Associated Charges — After Deductible20%

    Choice Health

    Closed to new enrollees
    Inpatient Services and Other Associated Charges — After Deductible15%

    Specialized care

    Infertility Services — Coinsurance

    Using Aetna’s Institutes of Excellence Network only.

    Important detail: Comprehensive Infertility & Advanced Reproductive Technology: $20,000 lifetime maximum for medical and Rx services per subscriber and covered spouse. Dependent children are not covered.

    Cost comparison

    Health Savings

    Treatment After Diagnosis — After Deductible20%

    UVA PPO

    Treatment After Diagnosis — After Deductible20%

    Choice Health

    Closed to new enrollees
    Treatment After Diagnosis — After Deductible15%

    Continuing and supportive care

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Continuing and supportive care

    Skilled Nursing / Rehabilitation Facility — Coinsurance

    180 days per year combined maximum.

    Cost comparison

    Health Savings

    After deductible20%

    UVA PPO

    After deductible20%

    Choice Health

    Closed to new enrollees
    After deductible15%

    Continuing and supportive care

    Home Health Services — Coinsurance

    90 days per year combined maximum. These are medically necessary services approved by a claims administrator.

    Cost comparison

    Health Savings

    After deductible20%

    UVA PPO

    After deductible20%

    Choice Health

    Closed to new enrollees
    After deductible15%

    Continuing and supportive care

    Hospice Care (Inpatient and Outpatient Services) — Coinsurance

    The source document does not include a separate description for this section.

    Cost comparison

    Health Savings

    After deductible20%

    UVA PPO

    After deductible20%

    Choice Health

    Closed to new enrollees
    After deductible15%

    Continuing and supportive care

    Ambulance Transportation — Coinsurance

    Local ground or air transportation when medically necessary to and/or from a hospital.

    Cost comparison

    Health Savings

    After deductible20%

    UVA PPO

    After deductible20%

    Choice Health

    Closed to new enrollees
    After deductible15%

    Mental Health & Rehabilitation Services

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Mental Health & Rehabilitation Services

    Mental Health and Substance Abuse

    The source document does not include a separate description for this section.

    Cost comparison

    Health Savings

    Inpatient Hospital and Residential TreatmentAfter deductible: 20% coinsurance
    Outpatient TreatmentAfter deductible: 20% coinsurance

    UVA PPO

    Inpatient Hospital and Residential TreatmentAfter deductible: 20% coinsurance
    Outpatient Treatment$40 Copayment

    Choice Health

    Closed to new enrollees
    Inpatient Hospital and Residential TreatmentAfter deductible: 15% coinsurance
    Outpatient TreatmentAfter deductible: 15% coinsurance

    Mental Health & Rehabilitation Services

    Speech Therapy, Physical Therapy, and Occupational Therapy

    Medically necessary restorative services only (non-developmental conditions). 40 visits per year combined maximum.

    Cost comparison

    Health Savings

    Covered Therapy ServicesAfter deductible: 20% coinsurance

    UVA PPO

    Covered Therapy Services$40 Copayment

    Choice Health

    Closed to new enrollees
    Covered Therapy ServicesAfter deductible: 15% coinsurance

    Mental Health & Rehabilitation Services

    Physical and Occupational Therapy

    Medically necessary restorative services only (non-developmental conditions). 40 visits per year combined maximum for medical/surgical.

    Cost comparison

    Health Savings

    Covered Therapy ServicesAfter deductible: 20% coinsurance

    UVA PPO

    Covered Therapy Services$40 Copayment

    Choice Health

    Closed to new enrollees
    Covered Therapy ServicesAfter deductible: 15% coinsurance

    Mental Health & Rehabilitation Services

    Habilitation Therapy

    Medically necessary services (speech, physical, and occupational therapy).

    Cost comparison

    Health Savings

    Covered Therapy ServicesAfter deductible: 20% coinsurance

    UVA PPO

    Covered Therapy Services$40 Copayment

    Choice Health

    Closed to new enrollees
    Covered Therapy ServicesAfter deductible: 15% coinsurance

    Mental Health & Rehabilitation Services

    Chiropractic Care

    26 spinal manipulations per year maximum.

    Cost comparison

    Health Savings

    Covered Chiropractic CareAfter deductible: 20% coinsurance

    UVA PPO

    Covered Chiropractic Care$40 Copayment

    Choice Health

    Closed to new enrollees
    Covered Chiropractic CareAfter deductible: 15% coinsurance

    Mental Health & Rehabilitation Services

    Acupuncture

    20 visits per year maximum. Medically necessary acupuncture services only.

    Cost comparison

    Health Savings

    Covered Acupuncture ServicesAfter deductible: 20% coinsurance

    UVA PPO

    Covered Acupuncture Services$40 Copayment

    Choice Health

    Closed to new enrollees
    Covered Acupuncture ServicesAfter deductible: 15% coinsurance

    Equipment and hearing

    Choose a service to show its plan comparison below.

    Select a benefit or service above to view the comparison.

    Equipment and hearing

    Durable Medical Equipment — Coinsurance

    Medically necessary equipment, prosthetic appliances, and medical supplies.

    Cost comparison

    Health Savings

    After deductible20%

    UVA PPO

    After deductible20%

    Choice Health

    Closed to new enrollees
    After deductible15%

    Equipment and hearing

    Hearing Services

    The source document does not include a separate description for this section.

    Cost comparison

    Health Savings

    Hearing Exam Performed by an Audiologist — 1 per Year MaximumAfter deductible: 20% coinsurance
    Medically Necessary Hearing Aids — Up to $1,200 Every 48 MonthsAfter deductible: 20% coinsurance

    UVA PPO

    Hearing Exam Performed by an Audiologist — 1 per Year Maximum$40 Copayment
    Medically Necessary Hearing Aids — Up to $1,200 Every 48 MonthsAfter deductible: 20% coinsurance

    Choice Health

    Closed to new enrollees
    Hearing Exam Performed by an Audiologist — 1 per Year MaximumAfter deductible: 15% coinsurance
    Medically Necessary Hearing Aids — Up to $1,200 Every 48 MonthsAfter deductible: 15% coinsurance
    Cost-sharing terms used in this tool
    Annual deductible
    For services subject to coinsurance, you pay the cost of care until the deductible is met. The source document notes that the deductible does not apply to services or prescriptions with copayments, amounts above the allowable amount, or penalties.
    Coinsurance
    After the deductible is met for services subject to coinsurance, you pay the percentage shown for your plan.
    Out-of-pocket maximum
    Includes coinsurance, deductible, copayments, and covered prescriptions. Amounts above the allowable amount and penalties do not apply toward the maximum.
    Paid in Full
    The plan pays 100% of the covered in-network cost. You pay no deductible, copayment, or coinsurance for that service.

    Important: This comparison reflects a subset of benefits, and the listed coinsurance rates apply to covered in-network services. For complete information about plan coverage and cost sharing, consult the Summary Plan Description.

    UVA PPO: Reduced cost-sharing is available for some services when participants enrolled in UVA PPO use the UVA Provider Network.

  • Compare Prescription Drug Costs
    UVA Benefits

    Compare Prescription Drug Costs

    Choose your health plan and the type of prescription you want to compare. The tool will show the applicable 2027 prescription drug cost-sharing.

    This is a cost-sharing comparison, not a drug-coverage search. Whether a specific medication is covered depends on the applicable formulary and health plan rules.
    Which health plan are you comparing?
    Health Savings: Most prescription drug costs are subject to the Health Savings deductible before 20% coinsurance applies. Special cost-sharing applies to generic and preferred-brand diabetic drugs, insulin and supplies.
    What kind of prescription are you comparing?
    Health Savings

    Retail Pharmacy

    Cost-sharing for up to a 30-day supply at a participating pharmacy.

    View Full Plan Schedule
    Health Savings Retail Pharmacy prescription drug cost-sharing
    Drug Tier UVA Pharmacies Aetna National Pharmacy Network
    Generic After deductible: 20% coinsurance After deductible: 20% coinsurance
    Preferred Brand After deductible: 20% coinsurance After deductible: 20% coinsurance

    Remember: For Health Savings, the deductible generally must be met before the 20% prescription coinsurance shown above applies.

    Prescription Drug Information

    What do minimum and maximum costs mean?

    For some brand-name prescriptions, you pay 20% coinsurance after meeting the applicable deductible, but a minimum and/or maximum cost may apply.

    For example, if the benefit says 20% coinsurance, $34 minimum / $200 maximum , your cost will not be less than $34 and will not exceed $200 for that covered prescription, subject to the plan rules.

    How does Maintenance Choice work?

    Maintenance medications for chronic conditions are generally filled as 90-day prescriptions through UVA Pharmacies, CVS retail pharmacies or CVS Caremark Mail Service Pharmacy.

    You may opt out of Maintenance Choice if you want to continue filling 30-day supplies of your maintenance medications at another participating retail pharmacy.

    Contact Aetna at 800-987-9072 before your third fill.

    Where can specialty prescriptions be filled?

    Specialty drugs must be filled through UVA Specialty Pharmacy to be covered.

    Limited Distribution Drugs may be filled through CVS Specialty Pharmacy .

    What should I know about generic substitution?

    The UVA Health Plan requires generic substitution when a generic equivalent is available.

    If you choose the brand-name drug when a generic equivalent is available, you may be responsible for the difference between the brand-name and generic drug cost in addition to the applicable cost-sharing.

    That additional difference in cost does not count toward your deductible or out-of-pocket maximum.

    Which pharmacies count as UVA Pharmacies?
    • UVA Health Outpatient Pharmacy at ERC
    • UVA Health Bookstore Pharmacy
    • UVA Health Student Health Pharmacy
    • UVA Health Zion Crossroads Pharmacy
    • Emily Couric Clinical Cancer Retail Pharmacy
    • UVA Health Augusta Pharmacy
    • UVA Health Pantops Pharmacy
    • UVA Health Specialty Pharmacy

Open Enrollment Presentation | Final by Shane Michael Moran

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Postdoctoral Fellows

The Open Enrollment process for all Postdoctoral Fellows (non-UVA employees) is managed through UVA Human Resources. For additional information specific to Postdoctoral Fellows, contact AskHR@virginia.edu with the subject line "Postdoc Fellow Benefits".

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