Special Note About Out-of-Network Care

Nielsen offers its employees a choice of health plans that allow you to decide whether to receive care from an in-network or out-of-network doctor or facility. Typically, you pay more money when you receive care from an out-of-network provider or facility. In some cases, the additional cost is quite significant.

Whenever possible, you should receive care from in-network providers, because they have met and continue to meet stringent criteria set by United Healthcare. Receiving care from in-network providers will not only save you money when you receive the care, it will also help control the company’s and your own healthcare costs.

If you choose to have medical care performed by an out-of-network provider, out-of-network benefit levels apply. UHC calculates out-of-network (non-participating) providers’ allowable amounts based on Medicare limits. If you receive medical care from an out-of-network provider, you will be responsible for paying your deductible, your specified coinsurance percentage amount, as well as 100% of any amount that exceeds the UHC limit.

To locate a network provider, you should consult the provider directory, which is available at https://www.myuhc.com/.

What else? Access FREE benefits for expectant mothers through UHC and CIGNA:

UHC Healthy Pregnancy

• Call the number on your ID card or go to www.healthy-pregnancy.com to enroll in the program
• A maternity nurse will provide individualized support throughout the pregnancy
• Enroll and receive a FREE Baby Bag with items for the care of the baby
• Maternity nurses are available 24 hours a day to answer any questions or concerns you have

CIGNA Dental Oral Health Maternity Program offers pregnant women enhanced preventive oral care. It covers 100% of in-network charges for these services:

• Assessment of the potential risk for “pregnancy gingivitis.”
• An additional cleaning performed during pregnancy
• Periodontal scaling and root planning
• Periodontal maintenance
• Treatment of inflamed gums around wisdom teeth

Why Not Use It?

We all know that preventive care is important. What you may not know is that your medical, dental and vision plans cover preventive care at affordable rates, and in some cases, at no cost to you. If you receive preventive medical care through a UHC in-network provider, your plan pays 100%—no deductible applies, although some services require you to pay a copay.

It’s not always easy to do the right thing, even when we know it’s the right thing to do. Think of preventive care this way, though. You’re already paying your share of the cost of health care coverage with every paycheck. Why not make the most of it—and do something good for yourself at the same time?

Click here and get to know the preventive care services your health plan covers.

Special Note About Out-of-Network Care

Nielsen offers its employees a choice of health plans that allow you to decide whether to receive care from an in-network or out-of-network doctor or facility. Typically, you pay more money when you receive care from an out-of-network provider or facility. In some cases, the additional cost is quite significant.

Click here to learn more

This e-newsletter is the second of a series designed to help you make the most of The Benefits of Nielsen. Each issue will provide tips and information related to a central theme that will help you use your benefits to Live Well. Click through each section for help managing your health, your health plan and your future.

In this Issue