If you are a member of the UBT Health Plan as of September 1, 2024, your health insurance rates will be impacted by the wellness incentive program. Refer to the Bravo program guide for additional details.
2025 Classic Plan
Higher premiums, lower deductible
| Annual Deductible |
In-network
|
$2,600 individual $5,200 family $5,200 individual $10,400 family |
| Coinsurance (% you pay after meeting the deductible) | In-network Out-of-network |
10% 30% |
| Coinsurance Maximum |
In-network
|
$1,000 individual $1,350 family $2,000 individual $4,000 family |
| Out-of-Pocket Maximum (deductible + coinsurance) | In-network Out-of-network |
$3,600 individual $6,550 family $7,200 individual $14,400 family |
| Monthly Premiums |
Individual Individual + Spouse Individual + Child(ren) Family |
$238.08 $591.72 $508.42 $731.00 |
2025 Basic Plan
Higher deductible, lower premiums
| Annual Deductible | In-network Out-of-network |
$5,200 individual $10,400 family $10,400 individual $20,800 family |
| Coinsurance (% you pay after meeting the deductible) | In-network Out-of-network |
20% 40% |
| Coinsurance Maximum | In-network Out-of-network |
$2,000 individual $4,000 family $4,000 individual $8,000 family |
| Out-of-Pocket Maximum (deductible + coinsurance) |
In-network
|
$7,200 individual $14,400 family $14,400 individual $28,800 family |
| Monthly Premiums |
Individual Individual + Spouse Individual + Child(ren) Family |
$174.78 $502.96 $432.16 $621.37 |
Associates of UBT, Union Title, and affiliate companies are eligible to enroll the first of the month following one calendar month of service. Eligible dependents include spouses, dependent children under age 26, and disabled adult children who were disabled prior to age 24.
Doctor on Demand
Quality care when you need it most
With Doctor On Demand, you and your family (children and adults) can receive easy, stress-free access to board-certified medical doctors through video visits on your smartphone, tablet, or computer. Get prescriptions refilled, keep your family in tip-top shape, and be prepared for the unexpected — all from the comfort of your own home or office!
HSA Starter Contribution
Jump-start your health savings each year
Start each year on the right foot with a starter contribution to your health savings account! UBT and affiliate medical plan participants will receive starter contributions to their HSA on the first pay date in January. You’ll receive $1,000 if you’re enrolled in individual medical coverage or $2,000 if you have family coverage. Contributions can only be made after you have set up an HSA, and new participants eligible to enroll after January 1 will receive a prorated HSA starter contribution. It’s just another way UBT is invested in your health.
This guide is intended to be a general description of the Benefits Program offered by Union Bank & Trust. It is not intended to be a summary plan description (SPD). If there are differences between this guide and the SPD or plan document, the terms of the SPD and plan document should be considered definitive. Union Bank & Trust and any successors reserve the right to change, amend, terminate, or modify the provisions of these plans and programs with or without advance notice. The description of the program, the plan itself, or participation in the plan is not an employment contract or any type of employment guarantee and should not be construed as such. Nothing in this guide is intended to provide medical, tax or legal advice.
