UnitedHealthcare Harmony - HDHP

The High Deductible Health Plan (HDHP) is a unique medical plan that puts you in control of your health care spending and gives you the opportunity to enroll in a Health Savings Account.

Medical Plan

Doctor/Health Care Providers: You can only use doctors, hospitals, and pharmacies that participate in the Harmony network (UCSD and Sharp). There is no coverage if you go to out-of-network providers, except for emergency services. Providers in the Rady’s network are NOT part of the UHC Harmony HDHP.

Annual Deductible: You generally pay an annual deductible before the plan begins to pay for a portion of covered medical services. This includes office visits and prescription drugs. The only services that don’t require you to pay a deductible first are preventive care.

Coinsurance: When you receive medical services, you pay a percentage of the cost of the service, and the plan pays the remaining percentage. You will need to pay the annual deductible before the coinsurance applies.

Annual Out-of-Pocket Maximum: This is the maximum amount you must pay for the annual deductible and coinsurance combined. Once you reach the out-of-pocket maximum, the plan pays 100% of covered charges for the remainder of the plan year.

Prescription Coverage: Prescriptions will be managed by Express Scripts. UHC HDHP members will receive an ID card from UHC for medical and an ID card from Express Scripts for prescription drug benefits.

Note: Review the comparison chart below for copays and annual deductible limits.

Health Savings Account

The HDHP allows you to save toward out-of-pocket expenses now and in the future using an HSA. You can use HSA funds for any IRS-qualified medical, dental, and vision expenses.

The 2025 maximum contribution amounts are:

Employee-only coverage: $4,300
Employee + 1 or more coverage: $8,550 (this includes any contributions made by your spouse)

Catch-up Contributions – If you are age 55 or older, you can make an additional “catch-up” contribution of $1,000.00.

The minimum contribution amount is $5 per pay period and $120 annually.

The County may also contribute to your HSA if you have excess Flex Credits available. The limits above include both contributions from you and the County.

Please note the individual and family contribution maximums. If you or a spouse are contributing to a different HSA, and you need to reduce your contributions here at the County to avoid exceeding the IRS maximum, please contact the Benefits Division at DHRBenefits.FGG@sdcounty.ca.gov for assistance.

The HSA is not established or administered by the County — you must set up your HSA directly with Optum Bank.

The County does not offer a Health Savings Account for Temporary employees. If you are a Temporary employee, please contact your bank for more information if you would like to set up an HSA.