Choosing between the two plans is a very important and personal decision. As you make your selection, there are many things to consider. See some examples below:

Assess your typical annual health care costs 

• Do you anticipate your costs to increase, decrease, or stay the same for the coming year?
• Did you meet your deductible last year?
• How would you have fared if you were on the other plan the previous year—would you have been in a better or worse position?

Consider the tax savings options for each plan

• Both medical plans offer tax-saving opportunities, but the account available depends on the plan you choose.
• Choice Plus plans can be paired with a Flexible Spending Account (FSA). An FSA allows you to set aside pre-tax dollars that can be used toward eligible health care expenses throughout the year. Once enrolled, your annual contribution election generally cannot be changed unless you experience a qualifying life event. If you do not use all of your FSA funds during the plan year, you may carry over up to $680 into the following year. Any amount above the carryover limit will be forfeited.
• The High Deductible Health Plan (HDHP) can be paired with a Health Savings Account (HSA). An HSA allows you to contribute tax-free dollars that can be used toward eligible health care expenses. Unlike an FSA, unused HSA funds roll over from year to year, allowing you to save for future health care needs. HSA funds may also earn interest or be invested, depending on your account balance and investment elections.
• Please see the Tax Savings Accounts section for additional information about these accounts and their features.

Weigh the reward against the risk

• Both plans will provide you and your family with comprehensive medical coverage. Deciding which plan to select may come down to choosing between the reward of spending less in premiums and potential risk of paying more in deductibles and out-of-pocket maximums if you experience a health issue.

To assist with estimating potential out-of-pocket expenses for both plans, an Employee Medical Plan Cost Calculator is available in the Key Resources section of this page. Do the math and determine which plan is the best fit for you and your family’s personal and financial situation.

After your initial medical insurance election with UHC, you should receive a physical ID card via postal mail within 5 – 7 business days of your insurance coverage becoming active. For all subsequent updates to your coverage, new ID cards will only be delivered electronically. You can still request a physical ID card at any time via the myUHC portal or by contacting United Healthcare at 1-844-638-8700.

As health care costs continue to rise, we should look for ways to control costs where we can. With a self-funded plan, both Forvis Mazars and the participants should be wise health care consumers. Please keep in mind the tips below as you weigh your health care options.

Use In-Network Providers

Using in-network providers generates higher discounts, reducing overall plan costs and out-of-pocket expenses.

Seek the Appropriate Level of Care

Seeking the appropriate level of care helps reduce overall plan costs and maintain the continuity of care. An emergency room visit can cost more than seven times what physician’s office or urgent care visits typically cost. 

• Take advantage of the 100 percent coverage for preventive care, which may result in early detection and increase prevention awareness.
• Be informed about the cost of tests and treatment plans.

Effective January 1, 2023, eligible employees and partners retiring from the firm can continue to remain on the Forvis Mazars Medical, Dental and Vision plans until they meet the eligibility requirements for Medicare.  When the retiree becomes Medicare eligible, their spouse can remain on the plan(s) until they become Medicare eligible.  Dependent children can remain on the plan until they reach age 26 or otherwise maintain eligibility.

To be considered a retiree, you must be at least age 52, with the sum of the retiree’s age and years of service (including with a legacy firm) equaling 65 or more and be enrolled in the applicable plan(s) at the time of retirement.  

Forvis Mazars does not contribute any funds towards the cost of the retiree coverage.  The premiums for retiree coverage are fully paid for by the retiree (or dependents, if applicable).  The Medical premiums are 145 percent of the monthly premium for 2027, and the Dental and Vision premiums are 100 percent of the full monthly premium.