Lubrizol CDHP Plan Options

The Lubrizol CDHP (consumer-driven health plan) options offer the protection of a medical plan plus a tax-free HSA you can use to help pay for eligible health care expenses, now and in the future. After you meet the annual deductible, the plan pays a percentage of covered services received through either network or non-network providers—just like a PPO option.

For 2019, Lubrizol offers 3 different CDHP options: Core, Standard and Plus. Watch the videos below to learn more about how each plan works.

All CDHP Plan Options Video

Core Plan Video

Standard Plan Video

Plus Plan Video

 Reminder! Preventive services are covered at 100% by the plan before the deductible or co-insurance. Preventive services that are covered 100% vary by age and gender and are designated by an A or B rating by the U.S. Preventive Services Task Force. To access a current list please click here

To locate a provider, visit www.myuhc.com and click on the Find Physician, Laboratory & Facilities link or call Health Advocate. The Lubrizol CDHP Plans use the Choice Plus network. If you have questions please contact UnitedHealthcare’s customer service at 1-877-706-1735.

Health Savings Account (HSA)

A personal HSA is established for you under the Lubrizol CDHP Standard and Plus options.  You must choose whether to open an HSA account if you enroll in the Core plan. OptumHealth Bank, a subsidiary of UnitedHealthcare, will administer your account.  You can use the HSA to pay for a wide range of medical, prescription drug, dental and vision out-of-pocket expenses during the year. IRS Publication 502 provides a detailed list of eligible health care expenses.  Any money left in the account at the end of the plan year carries over for future use. The account is yours to keep, even if you change health plans, change jobs or retire.

When you enroll in the Lubrizol CDHP on the Web, federal banking regulations require you to affirm your agreement to the opening of an account in your name.  You must accept this affirmation statement to be enrolled in the Lubrizol CDHP.

Prescription Drug Coverage

Members of all medical plans will receive their prescription coverage through CVS Caremark. 

Behavioral Health and Substance Abuse Coverage

No matter which health plan you choose, behavioral health and substance abuse coverage is included.  Services received for behavioral health or substance abuse are subject to the applicable deductibles, coinsurance or copays as designated by the plan you choose.

To locate a provider, visit www.myuhc.com and click on the Find Physician, Laboratory & Facilities link. If you have questions please contact UnitedHealthcare’s customer service at 1-877-706-1735