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 PPO
Medical Plans:
Deductible choices for these plans are $250, $500, $1000,
$2000, $3000, $4000 and $5000 In-Network and 3X Non-Network.
These plans also offer a choice of coinsurance (% of
$12,500 or % of $15,000 or % of $20,000) and co-pays
($20 or $30). The
deductibles, OOP limit and maximums can be combined or
separate for both the network and non-network.
HSA
Plans
- HSA
100 (deductibles and coinsurance combined
in and out of network)
- HSA
100-2 (deductibles and coinsurance
separate in and out of network)
- HSA
80 (deductibles
and coinsurance combined in and out of network)
- HSA
80-2 (deductibles and coinsurance separate in and out
of network)
Networks
- All medical plans incorporate a PPO format.
Greater coverage for in-network vs. out-of-network.
- Cofinity
Network in Michigan.
- MultiPlan/PHCS as our National
Network.
 Envision Rx, a National PBM.
Prescription Drug Plans
Prescription
Drug Plan Options (56KB PDF)
- All PUP
of Michigan medical plans require prescription drug
coverage.
- All PPIs and non-sedating antihistamines with
over-the-counter (OTC) equivalents will not be covered.
- Covered injectables will require preauthorization
and are subject to a twenty-five percent (25%) coinsurance.
The maximum participant contribution will not exceed
$3,500 per calendar year.
 National Coverage of over
60,000 pharmacies.- All mail orders will be two times
the retail co-pay program chosen.
Life Insurance
- A minimum of $15,000
of life insurance is required for every covered employee
taking the medical program.
- Dependent life is an option
(see schedule).
COBRA
- Complete COBRA administration
for groups with twenty (20) or more employees.
- Setting
of COBRA rates, notification letters, coupon booklets,
six month reminders of COBRA ending and most important,
collection of premium. All is done by Preferred United
Plans.
- Fees are $0.75 per employee
per month. Upon election of COBRA, Preferred United
Plans of Michigan retains a 2% premium surcharge.
- This is an option to
the employer, and must be selected on the employer
application.
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Underwritten by Companion Life Insurance Company
• Administered by SecureOne Benefit Administrators, Inc.
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