Benefit Definitions
After you meet the deductible, your health plan pays a specified percentage of the charges for you covered services. You pay the remaining charges, called co-insurance.
A flat per-service charge that you pay for services such as doctor visits or prescriptions.
The dollar amount you must pay each year before your medical and/or dental plan begins to pay benefits for certain covered expenses. The amount of the deductible depends upon the plan you select.
Domestic partnership, for purposes of PennChoice, means two individuals of the same gender who have a committed relationship of indefinite duration with mutual obligations akin to those of a marriage, which include financial responsibility for each other. You must provide documentation to the Benefits Office certifying your domestic partner relationship.
Imputed income refers to the value the government attaches to life insurance coverage in excess of $50,000 when paid by your employer. This value is determined by age-related rates established by the Internal Revenue Service. Generally, the imputed income tax that you pay is not a significant amount, but it does increase as age and salary increase.
The most you have to pay out of your own pocket during the benefit year in co-insurance after you meet your deductible, as long as your providers accept your Plan's UCR. Once you reach the out-of-pocket maximum, the Plan pays 100% of UCR. Out-of-pocket maximums stated by plans are based on your use of providers who accept the Plan's UCR.
The Penn Benefits Center can answer any questions you may have regarding PennChoice and your specific benefits.
Penn Benefits Center
P.O. Box 26745
Salt Lake City, UT 84126-0745
1-888-PENNBEN (1-888-736-6236)
Penn provides a flexible benefits package called PennChoice which lets you select the medical, dental, life insurance coverages and pre-tax expense accounts that best meet your needs and those of your family. In addition, Penn offers several other benefits and programs to promote the well being of the members of the Penn community.
UCR or R&C refers to the usual, customary and reasonable fees that physicians, health care facilities or other health care providers in the same geographical area charge to similar services. Plans that pay 100% of UCR or R&C pay 100% of the usual, customary and reasonable fess for that service. If providers have an affiliation with the Plan, they are obligated to accept the Plan's UCR or R&C as payment in full. However, if providers are not affiliated with the Plan, they are not obligated to accept the UCR or R&C, and you may have to pay any charges in excess of the payment made by the Plan.