Frequently Asked Questions - Plan Options & General Healthcare

Why does my residential ZIP code affect my insurance options?
Not all plans have an adequate provider network available in every geographic area. Using your residential ZIP code to determine plan option eligibility ensures that you are not offered a product that does not have an adequate number of available network providers within a specified mile radius of your ZIP code. The plan option administrators review this annually, and if you reside within an impacted ZIP code you will be notified before annual enrollment.

What happens if I'm asked to pay for my healthcare services up front?

Many healthcare providers require collection of the patient’s liability for services at the time of checkout. This is an individual provider business decision. When scheduling health care services, it is important to ask how much the procedure will cost and know the provider’s payment requirements. You may also want to check with UnitedHealthcare to see how much you have met toward your deductible and maximum out-of-pocket. This will help you to estimate your financial responsibility. If you are interested in working out a payment plan with a provider, you should request this at the time of service and have the plan documented in writing.

Does changing your address in Workday transfer to the Caterpillar Benefits Center and to our health plan carriers?
For active employees, address changes made in Workday are transferred to the Caterpillar Benefits Center. Retirees must contact the Caterpillar Benefits Center directly to make an address change. Remember to review both your home and mailing address when making updates.  

These changes are passed to the health plan carriers, such as UnitedHealthcare.

How many ID cards should one expect to receive (dental, vision, healthcare)?
An employee should have one card for medical/prescription drugs from your carrier of choice and one Cigna card for dental. (If you are enrolled in +spouse, child or family coverage, you'll receive two of each card.) VSP does not provide ID cards to participants. Instead, simply tell your healthcare provider you have VSP, and they'll be able to look up your vision plan information.

What's the difference between a co-pay and co-insurance?
Co-pay: A fixed, flat dollar amount you must pay for certain health care services. You pay the co-pay whether or not you've met your deductible. The co-pay does not count toward your deductible, but it DOES count toward your maximum out-of-pocket limit.

Co-insurance: After you pay your deductible, this is the percentage amount you pay for covered healthcare services until you reach your plan's maximum out-of-pocket limit.