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Huntington Beach Union High School District

Benefits » Medical Insurance

Medical Insurance

HBUHSD offers medical coverage to benefit eligible employees and their eligible dependents. Our medical benefits are designed to help maintain wellness and protect you and your family from major financial hardship in the event of illness or injury.

Below we have provided frequently requested information as well as a brief description of the plans.

Kaiser HMO

The Kaiser HMO plan offers comprehensive coverage. Care is provided or coordinated through each member’s primary care physician (PCP). You and your family members must seek care through a Kaiser facility (except for emergency care). Pharmacy coverage with Kaiser is provided directly through Kaiser.

You can contact Kaiser at (800) 464-4000 or visit their website at kp.org.

Kaiser also now offers limited out-of-area/state coverage through the Minute Clinic! Please see the flyer below.

United Healthcare HMO

When you enroll in the UHC HMO plan, you choose a primary care physician (PCP) for each enrolled family member from a medical group or IPA. The PCP will coordinate and provide all of your care, including hospital admissions. There may be a time when your primary care doctor says you need to go to the hospital. If it is not an emergency, the medical group will look into whether or not it is medically necessary. If the medical group approves your hospital stay, you will need to go to a hospital that works with your medical group. You will need a referral from your PCP if you need to see a specialist.

You can contact United Healthcare at (888) 586-6365 or visit their website at www.myuhc.com.
VEBA/UHC Member Site: www.whyuch.com/csveba

Pharmacy Coverage with United Healthcare is provided through Express Scripts - (800) 918-8011.

October 2023, UnitedHealthcare will introduce digital medical ID cards to those subscribers that have elected “paperless” within their personal digital account settings.  If you have elected to go paperless for your required communications, you will receive an email containing information about their new digital medical ID card, how to access and change their medical ID card paperless preference and how to add their medical ID card to their Apple or Google wallet. There will be a direct link within the email that allows you to easily opt-out and continue to receive a physical medical ID card, should you desire.

A digital medical ID card provides easy access to health plan information. Simply show it at a doctor’s office, clinic, pharmacy or wherever benefit information needs to be presented. The digital medical ID card is viewable through myuhc.com or the UnitedHealthcare app.

UMR PPO - A United Healthcare Company

The UMR PPO plan offers an extensive network that includes physicians, hospitals, and other types of healthcare providers. As long as you use providers who participate in the network, your care will be covered at the highest benefit level— generally 90%, after deductible. For some services, co‐payments are required. A referral from a PCP is not required in order for you to see a specialist. You always have the option to be treated by non-network providers; however, services are then covered at 60% of usual and customary charges, higher deductible amounts apply, and claim forms are required. Please refer to the schedule of benefits in this brochure for more information.

You can contact UMR at (800) 826-9781 or visit their website at www.umr.com.

CARRUM HEALTH: Your Premium No-Cost Surgery Benefit

 

Learning you need surgery can be frightening. What makes it worse is trying to navigate the healthcare system
and find the right care. Simple questions such as “How much will I have to pay?” and “Which surgeon should I
see?” are next to impossible to answer. Carrum Health is specifically designed to deliver a superior end-to-end
experience for you and your family.

Carrum Health is a surgery benefit for PPO members needing either a spine procedure, hip and knee replacement, or Coronary Artery Bypass Graft (CABG). Through Carrum, members will have access to the highest quality
surgeons who have proven to have the best outcomes for the covered procedures. Deductible and applicable
coinsurance is waived if the surgery is performed in a Carrum Facility and Precertification is obtained. If Carrum
is not contacted prior to the scheduling of surgery, a pre-certification penalty of $1,000 will be applied in
addition to your deductible and coinsurance.

Covered surgeries include: knee, hip, elbow, spine,  shoulder, wrist, hand, and heart.

To explore more visit My.CarrumHealth.com or call (888) 855-7806.

Pharmacy Coverage with United Healthcare is provided through Express Scripts - (800) 918-8011

Out-of-State UMR PPO - A United Healthcare Company

When your child dependent is living out of state, you can move them to the Out of State PPO plan. This is only offered for our United Healthcare Plans. This offers coverage for those dependents who would not have coverage on an HMO and a more comprehensive network for the PPO dependents.

Chiropractic & Acupuncture Care

Chiropractic and acupuncture care is covered through OPTUM Health - Physical Health of California. Your benefits include:

  • Unlimited visits (subject to medical necessity)
  • Copays that align with your PCP office visit copay
  • X-rays as authorized
  • 100% coverage for durable medical equipment up to $50 

If your PCP copay is: Your Chiropractic/Acupuncture copay is:
$0, $5, or $10  $10 
 $15, $20, or $25  $20 
$30, $35, or $40   $30 


You can contact OPTUM at (800) 428-6337 or visit their website at www.myoptumhealthphysicalhealthofca.com.