Health Insurance

Health Insurance Plans

Eligible employees may select coverage under any of the three plans listed below. No exclusions for pre-existing conditions are included in all of the plans.

For UnitedHealthcare members: Real Appeal Program

All plans have an in-network and an out-of-network option. In-network services require a nominal copayment; out-of-network services involve claim forms, deductibles, co-insurance and out-of-pocket maximums.

Health Savings Accounts

Watch any of these two-minute videos to learn how a Health Savings Account works with a high deductible plan.

Plan Carriers & Provider Directories

Blue Cross Blue Shield of Rhode Island

 When using the online directory to find providers outside of Rhode Island, please select Blue Card PPO from the product list.

UnitedHealthcare of New England

 When using the online directory to find a participating provider, please choose the UnitedHealthcare Choice Plus plan.

Pharmacy Benefit

OptumRx is the university’s pharmacy benefit provider.  Employees are automatically enrolled in prescription drug coverage if they enroll in a Brown health plan.  Subscriber id cards are sent to employees’ home addresses and should be presented for all prescription drug purchases.

OptumRx uses a formulary which is a list of all covered drugs.  The formulary as of January 1, 2018 can be seen below, as well as a list of exclusions.  There is also a summary of the three-tier copayment structure.  Some drugs have quantity limits or other requirements before they can be dispensed under the formulary.  Also, as new drugs come to market, they are reviewed by OptumRx’s Pharmacy and Therapeutics Committee, which is made up of pharmacists, physicians and nurses to help ensure that the formulary is medically sound and that it supports patient health.  Please log in to www.OptumRx.com to see the latest formulary reflecting any additions since January 1.  

The formulary excludes certain medications that have one or more preferred alternatives. For excluded medications, first consult with your doctor about switching to the alternative medication(s).  If there is a medical necessity that requires you to take the excluded medication, ask your doctor to submit a letter of medical necessity explaining why you must take the excluded medication.  Please have your physician phone the OptumRx PA Department at 1-866-441-2422 to initiate this process and provide medical necessity documentation. Contact OptumRx Customer Service at the dedicated Brown University toll-free member phone number 1-866-441-2422 for more information on submitting an appeal.

OptumRx Highlights

OptumRx Home Delivery

OptumRx 2018 Formulary

OptumRx 2018 Formulary Exclusions

Summary of Benefits and Coverage

Under the Patient Protection and Affordable Care Act (PPACA) employers are required to provide a Summary of Benefits and Coverage notice to help assist employees make informed decisions regarding employer provided health insurance.   This summary contains information to help you understand and compare Brown University’s Health Insurance Plans using a standardized template.

CurrentCare

CurrentCare is Rhode Island's Health Information Exchange (HIE). CurrentCare is a virtual integrated electronic medical record (EMR) system that helps health care professionals access patient information quickly and easily so they can integrate health care to treat the whole person. Developed by the State of Rhode Island in partnership with the Rhode Island Quality Institute, CurrentCare ensures that a patient’s providers have all the information to provide them with the most complete care possible.

How CurrentCare works
CurrentCare Brochure
Online Enrollment

Choosing Wisely

Consumer Health Choices’ Choosing Wisely program was founded by the American Board of Internal Medicine Foundation. Choosing Wisely offers topical articles and videos on common tests, medications, procedures, and imaging.  When talking with your doctor, knowing your options and asking the right questions can often result in more personalized care and can reduce unnecessary services.

http://bit.ly/BrownChoosingWisely