Medical Plans

You have a choice between two medical plan options. Which option is right for you depends on you and your family’s specific health care needs. It’s important to consider all of the features and benefits of each plan when making a medical plan election. Below are some general guidelines, please carefully review both options in more detail below.

The HSA Plan is a high-deductible health plan that is paired with a tax-advantaged health savings account (HSA).

Key Highlights

  • In-network and out-of-network coverage is available; however, your annual deductible and out-of-pocket expense is lower, and the benefits payable are higher when using an in-network provider.
  • Preventive care services are covered at 100 percent when you see in-network providers.
  • You pay the full cost of your health care services (except for preventive care) and prescription drug expenses—using either the funds in your HSA or other sources—until you meet your annual deductible.
  • Once you satisfy the deductible, you and the plan share in the cost of your care—known as coinsurance—until you reach your out-of-pocket maximum for the year. The plan will then pay 100 percent of covered in-network expenses for the remainder of the calendar year.
  • As a participant in the HSA Plan, HomeServices will also contribute to your HSA to help you pay for eligible health care expenses.

With the EPO Plan option, you can use any doctor, clinic, hospital or health care facility in the network. There is no coverage if you go out of the network, except in emergencies.

Key Highlights

  • Preventive care services are covered at 100 percent when you see in-network providers.
  • Primary care office visits have a flat copay of $30 and specialist visits have a flat copay of $50.
  • Prescription drug costs are more predictable, most having a copay-based benefit.
  • If your doctor’s already in-network, or you are flexible about where you get care and can easily stay in-network, then choosing the EPO may mean a lower cost for you each month. 

Exceptions to the “In-Network” Requirement

With the exception to emergency room care, you can only receive health care services from providers in the EPO network; otherwise, you will have to pay your bill in full.

Medical Plan Comparison

  HSA Plan EPO Plan
Employer HSA ContributionAvailableN/A
(Individual/All Other Tiers)In-NetworkOut-of-NetworkIn-NetworkOut-of-Network
Medical Deductible $2,000 / $3,500$2,000 / $3,500$1,000 / $2,000

No coverage
Medical OOP Maximum$3,500 / $7,350$3,500 / $7,350$4,000 / $8,000No coverage
Covered Services
Doctors and SpecialistsIn-NetworkOut-of-NetworkIn-NetworkOut-of-Network
Office Visit (Illness or Injury)80% coverage
after deductible
60% coverage
after deductible
$30 copayNo coverage
24/7 Virtual Visits (must use or the UnitedHealthcare app)80% coverage after deductible (approximately $40) $30 copay
Specialist Visit80% coverage
after deductible
60% coverage
after deductible
$50 copayNo coverage

Emergency Care
Urgent Care Visit80% coverage
after deductible
60% coverage
after deductible
$75 copay

No coverage
Emergency Room80% coverage after deductible$300 copay
70% coverage
(no deductible)
Emergency Transportation
80% coverage after deductible80% coverage after deductible
Inpatient Facility
Hospital Stay Facility Fee
80% coverage
after deductible
60% coverage
after deductible
90% coverage
after deductible
No coverage
Outpatient Facility
Outpatient Surgery80% coverage
after deductible
60% coverage
after deductible
$250 copay
70% coverage
after deductible
No coverage
Preventive Care
Annual Exams, Immunizations, Screenings, etc100% covered 60% coverage
(no deductible)
100% covered No coverage

For more information on the medical benefit, including searching for in-network providers, facilities, coverage, and procedure costs, visit the HomeServices of America UnitedHealthcare premember website. If you are already enrolled in the medical plan, log into®.

When dealing with illness, injury, or chronic pain, do you ever ask yourself:

  • Do I have the right diagnosis?
  • Am I on the best treatment path and medication for my condition?
  • Is a proposed surgery or medical procedure right for me?

2nd.MD provides medical certainty by helping medical plan participants get answers to these questions and more, by offering the following services:

  • A conversation with a top-tier specialty physician within 3-5 days by video-chat or phone
  • Condition-specific education
  • Personalized support connects you to high-quality local in-network physicians, local wellness programs and support groups
  • Live monthly webinars about timely and relevant topics led by expert specialists, viewable from the comfort of your home

Have a general question about a new diagnosis or an existing condition? Text a member of the clinical team through the 2nd.MD app! 

For more information, visit the 2nd.MD website or call 866-269-3534.

Your journey to parenthood begins here!

Fertility treatments can be overwhelming. Progyny helps by connecting you to leading fertility specialists who provide the most advanced, effective fertility treatments, the first time — without barriers to treatment. Your personal Progyny fertility nurse stays connected with you every step of the way on your journey to support you in having the best chance of achieving a successful pregnancy with the course of treatment that is best for you.

For medical plan participants only.

Reversing type 2 diabetes is possible!

Twin Health is a benefit for employees and dependents over age 18 who are covered by one of the HomeServices medical plans. Twin Health works with individuals to reverse type 2 diabetes by healing the underlying cause, normalizing blood sugar, reducing medications, including injectables like insulin and increasing energy, improving mood, and decreasing symptoms.

For more information visit the Twin Health website.

UnitedHealthcare may call you to share information about an important health program or service that can help you manage your care or improve your health. Please know that these are not sales calls. If you receive a call, be sure to answer it. They are calling to tell you about important information that may help you reach your health goals. The advocate can tell you more about the programs that are part of your HomeServices benefits.

Advocate4Me is a dedicated support team from UnitedHealthcare that can answer your health and benefit questions and help address concerns, including:

  • Understanding your benefits and how they work
  • Navigating health care claims and reimbursement
  • Choosing the type and level of care you may need
  • Guiding you to providers who offer high-quality care at the best value

An Advocate can clarify common points of confusion and help find ways for you to save money on health care services. If needed, they will transfer you to a registered nurse or specialist and stick with you until your needs are met.

To speak to an Advocate, call 866-747-1021.  You can also contact an Advocate by email at®  or from the UnitedHealthcare app.

You never want to pay more than you have to for the things you need. The same is true for health care. The emergency room (ER) is the right place to go in a real emergency, but that is not always the level of care you need. For everything else, you’ll save time and money by exploring your options — including 24/7 Virtual Visits, where you can see and talk to a doctor online, anytime.

You have a variety of care options. Get to know them before you need care so you can make the right choice for your condition.

Care OptionDescription of ServiceCost*
UnitedHealthcare AdvocateA health advocate can help you determine the best place to go for quality care at the lowest cost to you. $0
24/7 Virtual Visits

See a doctor anytime online for common, minor illnesses like colds/flu, sinus problems, pink eye and more. No appointment is needed. Register now for a Virtual Visit so you’re prepared when you may need care. Visit the Virtual Visits page on®.

Convenience Care ClinicReceive care for minor illnesses and injuries without an appointment. Clinics are found in many larger retail stores, drugstores and grocery stores. $100
Doctor’s OfficeYour doctor can provide preventive and routine care, manage your medications, and refer you to a specialist, if necessary. $160
Urgent CareAn urgent care center can treat the same conditions as a convenience care clinic as well as more serious medical issues like sprains and strains, minor broken bones, and small cuts.$180
Emergency RoomEmergency rooms (ERs) are for people with serious or life-threatening conditions. If your health issue isn’t life threatening, consider other options.$2,200
Urgency Center or Freestanding ERAn urgency center is a freestanding emergency room, not an urgent care center. Urgency centers are not located in or attached to a hospital, but they can treat similar conditions as an ER.$1,500

Speak with a UnitedHealthcare Advocate at 866-747-1021 who can help you decide where to go, or search for network providers at®.

*Average amounts charged by UnitedHealthcare Network Providers and not tied to a specific condition or treatment. Actual payments may vary depending upon benefit coverage and location. See your official plan documents for more details.

Virtual Visits phone and video chat with a doctor are not an insurance product, health care provider or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. Virtual Visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times, or in all locations, or for all members. Check your benefit plan to determine if these services are available.

Under the Transparency in Coverage Rule, HomeServices of America is required to make machine-readable files publicly available, which provide detailed information on the cost of items and services covered under the HomeServices Medical Plans.

You may visit the link below to obtain the required information.