Frequently Asked Questions

University Health Alliance.

In 1996, a group of physician teachers at the University of Hawaii John A. Burns School of Medicine decided to make a difference. They created the University Health Alliance to bring a simpler, more caring approach to employee health insurance. Since then, UHA has grown to offer the largest physician network in Hawaii.

We believe good health is one of the keys to living the best life possible. That’s why we were the first health insurer in Hawaii to provide 100% coverage for wellness and preventive medicine, including annual physical exams, seasonal flu vaccines and a variety of health screenings. Better health leads to a better life.

It’s actually a straightforward process. Here are the details:

1. You get a quote from us.
2. You agree to the quote and pay the first premium.
3. You enroll your employees.
4. We send the member ID cards to each of your employees.

That’s all there is to it!

Once you apply, our proposal will come back to you within a week. Enrollment times vary based upon your review time and the number of people in your employ. Your member ID cards will arrive 5 to 10 days later. Check out our Timeline.

Not everybody needs a nurse visit. But when your condition is being managed due to complications or serious diagnosis we come by and offer our help and advice.

No, we don’t.

It is an unfortunate fact of life in the current healthcare industry that costs tend to increase from year to year. That said, we’ve done our best over the last several years to keep our rates as low as possible, even as factors out of our control — such as the cost of prescription drugs — have gone up.

No. We offer business plans for companies of all sizes.

No. All of our plans allow you to choose from our extensive list of providers. No insurance company in Hawaii has a larger provider network than UHA’s.

Very secure. We consistently maintain at least double the state-required amount of financial reserves.

No, we don’t. All decisions on services requiring prior authorizations are made in-house, right here in Hawaii. This frequently results in shorter pre-authorization times.

All prior authorizations are done within two weeks. Online submissions take about a week, and urgent situations are handled within 72 hours.

Here’s a partial list of some commonly used health coverage and medical terms.

Refer to our overview here for details.

To add or remove an authorized Group Administrator, please complete a Group Information Change Form and send it to UHA. Please note that the form must be signed by a company officer or a person who is already an authorized Group Administrator. You cannot add yourself unless you are a company officer. If you are interested in signing up for access to our online portal (for enrollment, bill view and/or bill pay services) please complete an Online Employer Access Authorization and Certification Form.

Please fill out a Group Information Change Form. The form must be completed and signed by an authorized group administrator. Once complete, please fax to 1-877-222-3198 or email to UHA Employer Services or your Client Services representative for processing.

You can enroll employees during any of the following Qualifying Events:

• When a new employee is hired;
• Your group’s annual open enrollment period;
• When an employee becomes eligible for coverage (ex: an employee goes from part time to  full time status); or
• When an employee loses coverage elsewhere.

Please note that enrollments & terminations must be received within 31 days of the qualifying event. Enrollments are always effective the first of a given month and terminations are always effective on the last day of a given month.

Enrollment forms can be faxed to 1-877-222-3198 or emailed to UHA Employer Services. You can also sign up for the Online Employer Services System and enroll members 24/7 on our safe and secure portal.

Detailed information about eligibility and qualifying events can be found in the Group Administrator Handbook.

To enroll an eligible dependent, please complete a Member Enrollment Form. The completed form and the appropriate documents should be submitted to UHA by the Group Administrator. Additions to your health plan must be enrolled within 31 days of births, adoption, marriage, or civil union.

For more information regarding Eligible Dependents, please refer to your Group Administrator Handbook.

Changes to the group’s benefits can be made each year during open enrollment. UHA will send a letter 60 days prior to your renewal date and changes are due at least 30 days prior to your group’s renewal date. Please refer to the Group Administrator Handbook.

A member’s coverage can be terminated by using the Member Termination form. Employee eligibility under most medical benefits programs terminates on the last day of the month in which employment ends. Mid-month terminations or retroactive terminations will not be accepted.

If you terminated an employee’s coverage by accident, or circumstances have changed and they should not be terminated, you can re-enroll them with no break in coverage if the termination date has not yet passed. The quickest way is to re-enroll them is through UHA’s Online Employer Services System or by sending in a completed Enrollment Form. If the termination date has already passed, please contact us at (808) 532- 4000, extension 299.

Please complete the Member Termination Form stating the termination date as the day before coverage is going to be effective and send an email to UHA Employer Services or via fax to 1-877-222- 3198 with an explanation.

UHA will cover all eligible dependent children up until their 26th birthday. If an employee’s dependent is certified as disabled, the dependent may continue coverage after UHA has reviewed and approved enrollment of a completed Disability Certification Form.

Unfortunately, if the employee is not enrolled with UHA, dependents cannot keep UHA coverage.

If any of your members become eligible for Medicare, please have them visit the Medicare website for information. Generally, signing up for Medicare can help the member reduce their out-of-pocket costs for medical services, especially when travelling outside the state of Hawaii.

Please refer to our special COBRA Information section.

If an employee wants to switch between plans at the time of open enrollment, you can submit the Member Change Form or make the change via the Online Employer Services System. If you are sending a PDF form please send it to UHA Employer Services or via fax to 1-877-222-3198. If you would like to conduct open enrollment sessions please make sure to contact your Client Services representative and we will be happy to assist. 

Member ID cards are usually mailed within 5 business days after an enrollment or request for a card has been received.

Your employee can:

• contact Customer Services
• or email UHA via our online form
• or complete and fax a Member Identification Card Request Form

If they register for Online Member Services, they can print out a temporary ID card.

Each subscriber (employee) is issued two UHA Member ID Cards. The cards list the name of the subscriber and each dependent’s name. Please see previous question, “How can an employee or their dependent(s) get a replacement Member ID card?” for information on how to order additional UHA Member ID cards.

It could be either of the following reasons:

• If your business moved recently, we may still have your old address in our system. Please contact your dedicated Client Services representative to update your mailing and physical address with UHA any time you have a demographic change. Group Information Change form
• If you are registered for Online View Bill access, paper billing statements are not sent.

Because of the state’s Prepaid Health Care law, UHA bills for premiums in advance. For example, the January bill is generated and sent in December. Any changes you make after the bill is generated will not show up until your next bill. For example, if an employee leaves on December 15th and you terminate his coverage, he will still appear on your January bill because the bill was already generated. The credit will appear on your February bill that you receive in January. For further assistance, please contact UHA’s Billing Department at (808) 532-4000, extension 353.

There are several ways you can send your payment to us besides mailing it:

• UHA’s Online Employer Services System
  You can submit your payment online every month or set up scheduled monthly payments. If you aren’t signed up yet, you can register by submitting the Online Agreement Authorization and Certification Form.
• Monthly Electronic Funds Transfer (EFT) Automatic Deduction (AD)
  You can set up EFT by filling out the Authorization for Electronic Funds Transfer (EFT) Employer Group / COBRA Member Form and sending it to UHA’s Billing Department. Withdrawals are processed on the 1st of each month.
• Direct Deposit into UHA’s Bank of Hawaii account
  Please contact UHA’s Billing Department at (808) 532-4000, extension 353 for more information.

You can check your group’s account status using UHA’s Online Employer Services System. The account balance is updated every 48 hours. You can also contact a billing representative at 808-532-4000 extension 353 to confirm whether your payment was received. Please have your group number, payment amount and check number ready. If you made a direct deposit for your payment, please have your receipt handy for reference.

It is important that you are aware of the requirements of the Hawaii State Department of Labor. As of January 2014, Health Care Reform requires some employers to provide certain minimum benefits to all eligible employees. Please contact your Client Services representative or broker for more guidance.

We suggest contacting the Hawaii State Department of Labor for official clarification.

UHA submits a monthly report to the DOL for all new groups, reinstating groups, and terminated groups. If you have been asked to have an HC-15 submitted, you can contact your Client Services representative to check to ensure that your group was reported or to find out when your group will be reported to the DOL to verify your company’s active contract for medical insurance.

Contact your Client Services representative to request the document. Please be specific about the data period you are requesting and who UHA should send it to. A new request must be sent each year. Schedule A/Form 5500s will be made available at the earliest 120 days after the last day of the requested data period.

Signing the Schedule of Benefits secures your rates and premiums for 12 months or the stated period of time. You may still terminate your contract before the 12 months are up, but there are some limitations and requirements. Please refer to Article 7 of your Standard Agreement for Group Health Plan for more details.

To sign up, please complete and submit an Online Agreement Authorization and Certification Form. The only limitation is that only one authorized user can have Full Access because “Full Access” includes Online Bill Pay.

Online Enrollment takes two business days to reflect on the Online Enrollment site. For example:

• Tuesday – Enrollment Request entered in Online Enrollment
• Wednesday – Enrollment Request is submitted to UHA
• Thursday – The Member will appear in your Online Enrollment account. (The site takes 24 hours to refresh)

For assistance with logging into your Employer Portal, please call an Enrollment representative at (808) 532-4000, ext. 299.

In order to receive a quote, please submit a completed Employer Application & Certification Form along with a completed Census Form. The Census Form can also be submitted as an Excel file.

• Employer Application and Certification Form
• Census Form – Small Group (PDF)
• Census Form – Large Group (Excel)

Requests can be sent to Client Services or via fax to 1-877-222-3198.

Once you select a plan, you must remain in the plan until your group’s next open enrollment period. Open enrollment period occurs annually. See your company’s Human Resources Director for your open enrollment period.

UHA does not have any pre-existing condition clause.

If you are a new member to UHA and are currently on a treatment plan, have your physician contact Health Care Services to discuss a treatment program to ensure there is no lapse in your medical services at 808-532-4006.

Also, ask your Human Resources Director for a UHA Transition Coverage Questionnaire or access it on our Forms and Documents page, under the Employer Forms tab. Completing and submitting this form will ensure continuation of your care during the transition period.

Participating physicians are responsible because they have the necessary information to complete the notifications, i.e., diagnosis and procedure codes. If you have elected to receive your care from a Non-Participating provider, you become primarily responsible for this prior notification to UHA.

Contact Health Care Services at 808-532-4006.

Your physician must submit an Out-of-State Services Request Form at least 2 weeks in advance.

We advise that you do not make travel arrangements until the review is completed and you and your referring physician receive written confirmation from us that the service will be covered. Benefit coverage information will be provided only after the review is completed. Airfare and lodging are not covered benefits.

Contact Health Care Services with any questions at 808-532-4006. For more information, please view Receiving Care Outside of Hawaii.

Providers outside of Hawaii are not contracted with UHA, therefore, non-participating provider benefits will apply. This means UHA will pay only up to our eligible charge for non-participating providers, which is based on our rate for similar services performed in Hawaii. You are responsible for the difference between UHA’s payment and the provider’s actual charge (“balance billing”), which can be substantial.

Members are encouraged to obtain their second opinion within the State of Hawaii, which is covered at 100% of the eligible charge. If you are considering out-of-state services, please contact Health Care Services to discuss your options at 808-532-4006.

Yes, claims can be reconsidered for a variety of reasons. Please contact Customer Services for assistance.

If you are not satisfied with our response to your concern, or do not wish to request informal reconsideration, you must file a formal appeal. The appeal must be filed within one year of the date UHA informed you of the denial or limitation of the claim or coverage for any requested service. Appeals must be submitted in writing to:

UHA Appeals Coordinator
700 Bishop Street, Suite 300
Honolulu, HI 96813

Your appeal will be reviewed by staff not involved in the original decision (nor a subordinate to the original decision maker). If the appeal concerns a clinical matter, it will be reviewed by an independent licensed practitioner with appropriate expertise and experience. If we need additional information to complete our review, we will notify you and give you reasonable time to respond.

For more information, please view How to Initiate An Appeal.

The final decision will be made by the UHA Appeals Committee. You will be notified of the final decision within 60 days of receipt of your written appeal, or within 30 days if your appeal concerns a denial of a clinical matter.

You may request an expedited appeal if the standard time (30 or 60 days, as set forth above) for completing an appeal would:

• seriously jeopardize your life or health,
• seriously jeopardize your ability to gain maximum functioning, or
• subject you to severe pain that cannot be adequately managed without the care or treatment requested

You may make your request for expedited appeal by calling Health Care Services at 808-532-4006. If a health care provider with knowledge of your condition makes a request for an expedited appeal on your behalf, we do not require a written authorization from you.

You or your authorized representative may request an appeal. Those include:

• any person you authorize to act on your behalf as long as you follow our procedures. This includes filling out a form with us
• a court-appointed guardian or agent under a health care proxy
• a person authorized by law to provide substituted consent for you or to make health care decisions on your behalf
• a family member or your treating health care professional if you are unable to provide consent

To designate an authorized representative to act on your behalf with UHA, you must submit to UHA the Authorized Representative Form. This form must be completed and returned to UHA’s Appeals Coordinator before an appeal request can be considered.

If you are not satisfied with the final decision of the UHA Appeals Committee, you have the following external appeal rights:

If you disagree with an appeals decision regarding medical necessity, appropriateness, or experimental or investigational services, you may request external review of the decision by an Independent Review Organization (IRO) assigned by the State of Hawaii Insurance Commissioner. This request must be submitted in writing to:

Hawaii Insurance Division
Attn.: Health Insurance Branch – External
Appeals 335 Merchant Street, Room 213
Honolulu, HI 96813

Your request must include the following documents:

• Request for External Review by IRO
• External Review HIPAA Authorization Form
• Disclosure for Conflicts of Interest Evaluation

If you do not elect to request review by an IRO, or if you disagree with an appeal of any other decision, your options for external review vary depending on your plan. For more information, please view If You Disagree With Our Final Appeals Decision.

Participating providers have a signed contract with UHA, and receive reimbursement of eligible charges directly from UHA. From a member perspective, only a co-payment, deductible, applicable state excise tax, co-insurance, and payment for non-covered items (if any) may be required at the time of service.

All other providers, without signed UHA contracts, are considered non-participating providers. Non-participating providers may collect their full charge(s) from the member at the time of service.

Participating providers can be found in our Care Provider Search tool on the UHA website here.

UHA’s directories are subject to change. For verification of the most current provider participation status, call Customer Services at: 532-4000, Toll free: (800) 458-4600.

Members are responsible for the total amount billed, usually at the time of service. UHA will make payments for covered services directly to the subscriber of the plan. Reimbursements will be at the UHA non-participating benefit level and based on UHA’s eligible charge. At our sole discretion, however, we will make payments directly to non-participating facilities for services. Therefore, the member is responsible for the difference between the billed charges and the amount of UHA’s reimbursement, including any applicable co-payments, co-insurance, or deductible.

UHA will not accept invoices or receipts as claim forms for services rendered in the U.S.

*Standard claim forms are:

• Inpatient/Outpatient facilities – UB-04 CMS-1450
• Professional/Other services – CMS-1500 (08-05)
• Prescription drugs – DAH 3PT-1000

Traveling to a foreign country for the purpose of receiving services is not a covered benefit, even if referred by your physician. Only emergency medical services performed outside the U.S. will be covered if they meet appropriate criteria.

Claims for services rendered by a foreign provider must be fully translated to English and must contain:

• Patient’s name
• Patient’s date of birth
• Diagnosis
• Procedures done with dates of service and charges (listed separately)
• Name and address of the provider of service
• Name and address of the facility where services were rendered
• Your receipt of payment made, converted to U.S. Dollars and the rate of exchange on the dates of service

In certain instances, we may require additional documentation such as admission and discharge summaries, or daily hospital records.

Yes. If you become injured or ill while traveling within the U.S., any emergency care, urgent care, or hospitalization will be covered according to your plan benefits. Through our relationship with UnitedHealthcare, you have access to UnitedHealthcare’s Options PPO Network, and seeing a UnitedHealthcare participating provider can significantly limit your out-of-pocket expenses. We recommend checking to see if there is a UnitedHealthcare participating provider in the area of travel.

Treatment for a condition which occurred or was diagnosed before your trip will be subject to the same prior authorization requirements as any non-emergent treatment outside of the State of Hawaii. Contact Health Care Services with any questions.

Notify Employer Services regarding your out-of-state address.

You also have access to UnitedHealthcare’s Options PPO Network, a mainland network of providers, and one of the nation’s largest and most respected national PPO networks. Selecting a UnitedHealthcare participating provider is a benefit to you and provides a significant cost saving over a non-participating provider.

The following are considered eligible dependents:

• The spouse or Civil Union Partner of the employee
• Dependent children up to age 26 regardless of marital status, enrollment in school, or residency
  Please note: Spouses and children of adult dependents do not qualify for this coverage
• Unmarried children who are disabled and have a verifiable disability
• Other categories of dependents are subject to the provisions of the employer’s Group Service Agreement. Please consult with your employer for questions about dependent eligibility.

To enroll your newborn child, adopted child, newlywed spouse or Civil Union Partner, complete a Member Enrollment form. The form along with the appropriate documents should be submitted by the group administrator to UHA. Additions to your health plan must be enrolled within 31 days of birth, adoption, marriage, or civil union.

An employer can add a new employee any time with the Member Enrollment form within 31 days of the date the employee becomes eligible for coverage. Coverage will always be effective on the first day of the month following enrollment.

An employer can terminate an employee’s coverage by using the Member Termination form. Employee eligibility under most medical benefits programs terminates on the last day of the month in which employment ends. Mid-month terminations or retroactive terminations will not be accepted.

You may either contact Customer Services, email us via our online form, complete and fax a Request for Member Identification Card form or visit our Member Portal where you can register and print a temporary card.

Member ID cards are usually mailed within five to seven business days after an enrollment or request for a card is received.

The subscriber will receive two ID cards. The cards list the name of the subscriber (employee) and each dependent’s name. Additional ID cards can be requested through Customer Services at 808-532-4000.

UnitedHealthcare has a more extensive U.S. mainland network than our previous partner. We believe this is a significant enhancement that will provide our members with greater peace of mind while away from home.

UHA’s primary service area and provider network remains in Hawaii where the best care for your needs is likely to be right here at home. However, when you or your ‘ohana do travel away from Hawaii to temporarily visit the U.S. mainland—whether that’s for study, travel or work—UHA has our members covered for emergency medical care.

Through our relationship with UnitedHealthcare, UHA will offer access to quality medical care from UnitedHealthcare’s extensive U.S. mainland network of providers, as well as online tools and resources to help members find the right care during their travels.

No. Through the UHA Health Insurance benefit plan, members have access to the UnitedHealthcare Options PPO Network, which is available only on the U.S. mainland.

Starting May 15, 2021, UHA began offering the UnitedHealthcare Options PPO Network to our members. The date of service for the provider in the UnitedHealthcare network visit/service rendered (outside of Hawaii) must be no earlier than May 15, 2021 to be payable at participating benefit level under UHA (assuming the services received meet UHA’s criteria for payment).

Use the UnitedHealthcare online provider directory at UHAHealth.com/mainlandnetwork.

By using UnitedHealthcare’s mainland provider network, our members will have access to quality health care resources to support all of their health-related needs while on the U.S. mainland.

Note: when at home in Hawaii, members utilize the UHA provider network. To find a convenient provider in Hawaii, go to UHAhealth.com and click on Find Care Providers & Drugs at the top of the screen or call Health Care Services at 808-532-4006 for assistance locating a provider who is accepting new patients.

UHA will follow UnitedHealthcare’s network for Chiropractor, Therapeutic Massage Therapy and Acupuncture services. If a provider is participating within the UnitedHealthcare network, the CAM benefits will be covered assuming the services meet UHA’s criteria for payment.

Visit UHAHealth.com/mainlandnetwork. Simply search the UnitedHealthcare online provider directory and locate a doctor or facility when on the U.S. mainland.

We created that dedicated online page for members to access UnitedHealthcare’s extensive provider network and quality health care resources to support all their health-related needs while away from home in the event of an emergency or if a dependent is living on the mainland for school.

*Insurance coverage is provided by UHA Health Insurance. The administrative services are provided by United HealthCare Services, Inc.

With Express Scripts you have access to pharmacists who have expertise in the medications for high blood pressure, asthma, diabetes or cancer. Pharmacists at Express Scripts can help with questions about your medications. The pharmacists can also advise you how to potentially reduce your medication costs.

When you log into your Member Portal at UHA, either on the website or the mobile site, you can also access your current prescription information with Express Scripts. You may also log in directly to Express Scripts at express-scripts.com or by calling the number listed below.

• Customers calling about their prescriptions: 855-891-7978
• Pharmacists (for Rx or PA information): 800-922-1557 or 800-753-2851
• Providers (for PA): Express PAth

Your doctor can call in a prescription over the phone or enter the information on the website. In most cases, your doctor will get a real-time response.

It is best to contact Express Scripts directly with questions about your copay or out of pocket costs. UHA’s phone lines are also available 8 am to 4 pm, Monday – Friday, except for major holidays. A representative can be reached at 808-532-4000 (or 800-458-4600 from the neighbor islands) at the extensions below:

• Customer Services: or 800-753-2851 ext. 297
• Health Care Services: ext. 300
• Employer Services: ext. 299
• Premium Billing: ext. 353

Should you misplace or not receive a new card, you may submit a request via our website or call our Customer Services department at 808-532-4000 or 1-800-458-4600 (from the neighbor islands). Your card will have the following information that your pharmacy needs to process your prescription(s):

RxBin: 003858
RxPCN: A4
RxGroup: NKTA

Please note that your drug plan may be self-insured by your employer or you may not have a drug benefit.

Yes. This is very important in order to avoid delays in processing extended or autofill prescriptions, as the pharmacy may not update the information until the member receives a rejection. The key is to give your pharmacist these numbers:

RxBin: 003858
RxPCN: A4
RxGroup: NKTA

These are the same for everyone with UHA drug coverage.

You may submit your receipts by fax directly to Express Scripts at 877-329-3760. There is a direct member reimbursement form (DMR) located on the Express Scripts website that you may send with your receipts that will ensure timely reimbursement (submit receipts within 90 days from date of purchase).

Non-participating pharmacies may require you to pay for your prescription in full and have you file your claim with UHA. You can submit your receipts for reimbursement via fax to Express Scripts at 877-329-3760. There is a direct member reimbursement form (DMR) located on the Express Scripts website that you may send with your receipts that will ensure timely reimbursement. You should note that the reimbursement is likely to be less than if you used a participating pharmacy.

Members should send the following by mail, email or fax using the information below:

• A copy of their receipt
• A copy of their UHA medical card
• Include member’s contact information in the event we need to follow up with the member
• A simple description of what the member is submitting for reimbursement (e.g. circling the charges on their receipt.)

Reimbursements may take longer than 30 days to be processed due to a high volume of claims we are experiencing. We ask for your patience to receive your reimbursement. Members are welcome to call us at 808-532-4000 ext. 297 should they have any questions regarding the process.

Via Mail:
700 Bishop Street, Suite 300
Honolulu, HI 96813

Via Email:
[email protected]
When sending pictures of receipts via email please make sure the entire receipt is visible. Members should submit their medical card using a separate photo.

Via Fax:
866-572-4393

UHA members may obtain an extended supply of their maintenance medications at most UHA-participating retail pharmacies within the Express Scripts network.

For mail order services, members may enroll in Express Scripts Home Delivery. Manage your prescription orders via a single login using your UHA Online Member Services account. Call 800.282.2881 to contact Express Scripts’ Patient Customer Service if you need help enrolling. Learn more on our Prescription Drugs page.

You can either get vaccinations at your doctor’s office or at a pharmacy in network.

If a pharmacist tells you that your prescription needs a PA, your doctor should contact Express Scripts to be sure that drug is right for you. We also need to check if your plan covers the drug. This is similar to when your healthcare plan authorizes a medical procedure in advance.

When a prescription requires a PA, your doctor can call Express Scripts or prescribe a different drug that is covered by the plan. Only doctors can give Express Scripts the information they need to see if the drug is covered. Express Scripts answers PA phone lines 24 hours a day, seven days a week. A decision can be made right away. If the drug is covered, you will pay your normal copayment. If you choose the medication that is not covered, you will pay the full price.

Your doctor can use eviCore portal online or submit a PA by phone. In most cases your doctor will receive a real-time answer. If approved, you will be able to pick up your medication right away.

If you disagree with a decision made by Express Scripts, your doctor may contact UHA’s Health Care Services department Monday-Friday, 8am to 4pm HST to request a peer-to-peer conversation within 30 days of the denial. We will arrange a time for your doctor to speak with our Medical Director or Chief Medical Officer. If you or your doctor would like to submit a written appeal, please follow our appeals process here.

Some drugs are managed under your medical benefits rather than by your pharmacy benefits. Some injectable drugs are reviewed by CareContinuum, an Express Scripts company. If you disagree with a decision made by CareContinuum, please contact them at (866) 877-7042, Monday-Friday, 8am to 5pm EST. With CareContinuum, your doctor will be able to request a peer-to-peer conversation or submit a written appeal.

COB (coordination of benefits) claims may be subject to PA, which means if the drug or procedure needs a PA from UHA, even if UHA is the secondary insurer, the PA will still need to be submitted.

Primary insurance coverage applies to the original claim, but the member is responsible for the remaining balance. That amount will come in on a claim to UHA as the secondary insurer. Some examples are listed below:

Note: Primary insurance already paid on the claim, so the COB claim comes to UHA as secondary insurance.

Plans P, & S have $200 & $250 drug price limits respectively, which means the coinsurance will hit the “4th Tier 20% coinsurance requirement” if the drugs exceed those amounts.

• Generic drugs are the lowest cost drugs; copies of patented Brand name drugs that have the same chemical action as Brand name drugs.
• Brand medications are either Preferred or Non-Preferred (sometimes referred to as Formulary or Non-Formulary).
• Preferred Brand drugs have a lower copay than Non-Preferred Brand drugs.
• Non-Preferred Brand drugs are newer drugs that are usually the most expensive drugs available among them all.

Step therapy is for people who take prescription drugs daily to treat a long-term condition (arthritis, asthma, or high blood pressure). It lets you get treatment at a lower cost. It also helps your employer maintain prescription drug coverage for everyone your plan covers.

In step therapy, medicines are grouped in categories based on treatment and cost.

• First-line medicines are the first step. They are generic and lower-cost brand-name drugs approved by the U.S. Food & Drug Administration (FDA). They are proven safe, effective and affordable. Step therapy suggests you try these drugs first. In most cases they provide the same health benefits as more expensive drugs, but at a lower cost.
• Second-line drugs are the second and third steps. These are often brand-name drugs. They are best for patients who don’t respond to first-line drugs. Second-line drugs are the most expensive.

Generic drugs have the same chemicals as the brand-name. They also have the same effect. Though generics may have a different name, color and/or shape, they have been through the same testing as the original drug. They have also been approved by the FDA as safe and effective in the same manner as the original drug.

Unlike manufacturers of brand-name drugs, the companies that make generic drugs don’t spend as much money on research and advertising. As a result, generic drugs cost less than the original brand-name drug and the savings get passed on to you.

The first time you try to fill a prescription that isn’t for a first-line medicine, your pharmacist should explain that step therapy asks you to try a first-line medicine before a second-line drug. Only your doctor can change your current prescription to a first-line drug covered by your plan.

Quantity limits make sure that you get the right amount of medication and in the least wasteful way. For example, your doctor might have told you to take two 20mg pills each day. If that medication was also available in 40mg pills, our staff would ask the doctor to prescribe one 40mg pill a day instead of two 20mg pills. In addition, if the doctor wrote the original prescription for 30 pills (a 15-day supply), the new prescription for 30 pills would last a full month — resulting in just one copayment, not two.

If the prescription is for a larger quantity, the pharmacist can fill the prescription for the amount that the plan covers or contact the doctor to discuss other options. The pharmacist may increase the strength or get a PA for the quantity originally prescribed.

Complete a Participating Provider Add Form and submit copies of the new physician’s Hawaii State and Federal DEA licenses (if applicable). Please include the provider group’s TIN (Tax ID Number) and NPI (National Provider Identifier) number(s).

Yes. See the section on Electronic Funds Transfer (EFT).

Complete the Existing Provider Change form to report changes in billing address.

The provider/physician fee schedule is updated every two years, based on the prior year’s Medicare rates.

Complete the Existing Provider Change form to report changes in company name and/or Federal Tax ID number, along with an updated W-9 form. If both have changed, please contact Customer Services as you may have to sign a new Provider Agreement.

Yes. Send a request in writing and we will send you a new unique PIN number. Submit your request to:

UHA Contracting Services
700 Bishop Street, Suite 300
Honolulu, HI 96813-4100

Toll free fax: (866) 572-4383
Email: [email protected]

The patient’s UHA plan is listed on the member ID card. Currently the co-payments are:

UHA 3000 (Bundle): $12*
UHA One Plan℠ (Bundle): $12*
UHA 600 (Bundle): 10% of the eligible charge*

*Tax on the physician office visit charge is not a covered benefit. The provider is responsible for calculating the tax portion based on the eligible charge. Co-payment amounts are subject to change without notice.

Online Claim status is now offered via Online Provider Services. For more information contact Customer Services at (808) 532-4000, or toll free at 1-800-458-4600 from the Neighbor Islands.

Yes. There are two ways to submit EDI claim submissions. A connection can be made directly to UHA as an 837 transaction or through the Hawaii Xchange online service. Click here to read more about each submission method.

Submit the Medicare Explanation of Benefit along with the claim form to UHA.

Refer to the diagram below. Please contact Customer Services if you need further assistance.

Yes, claims can be reconsidered for a variety of reasons. Please contact Customer Services for assistance.

If you are not satisfied with our response to your concern, and wish to pursue the matter further, you must appeal the decision by submitting a written appeal. The appeal must be filed within one year of the date UHA informed you of the denial or limitation of the claim or coverage for the requested service. Appeals must be submitted in writing to:

UHA Appeals Coordinator
700 Bishop Street, Suite 300
Honolulu, HI 96813

Your appeal will be reviewed by staff not involved in the original decision (nor a subordinate to the original decision maker). If the appeal concerns a clinical matter, it will be reviewed by an independent licensed practitioner with appropriate expertise and experience. If we need additional information to complete our review, we will notify you and give you reasonable time to respond.

For more information, please view our Provider Handbook.

The final decision will be made by the UHA Appeals Committee. You will be notified of the final decision within 60 days of receipt of your written appeal, or within 30 days if your appeal concerns a denial of a clinical matter.

Expedited Appeals
You may request an Expedited Appeal if the standard time (30 or 60 days, as set forth above) for completing an appeal would:

• seriously jeopardize the member’s life or health;
• seriously jeopardize the member’s ability to gain maximum functioning; or
• subject the member to severe pain that cannot be adequately managed without the care or treatment requested.

To request an Expedited Appeal, call Health Care Services.

If you wish to contest our decision on any appeal, you must agree to binding arbitration. To request binding arbitration, you must submit a written request for arbitration to UHA within 60 days of the date of the letter communicating the decision of the Appeals Committee. Both parties will agree on the person to serve as the independent arbitrator. The decision of the arbitrator is binding on both parties. Costs for the arbitration will be shared as ordered by the arbitrator. Further details are provided in your Participating Provider Agreement.

Primary care physicians (PCP) and other participating specialists may direct members to any participating specialist. A formal referral is not necessary.

Complete the Request for Authorization form or contact Health Care Services to discuss the referral.

Yes. In order to meet the needs of our members, our plans allow for this kind of flexibility.

No.

The specialist that will be performing the procedure is responsible for obtaining authorization by completing a Request for Authorization form. The primary care physician (PCP) should also be notified.

Providers who have registered for Online Provider Services* may view the status of authorization requests online. Otherwise, approved requests are confirmed in writing and delivered either by mail or fax. You must receive more than verbal notification for non-emergency care.

* For more information about Online Provider Services, please click here.

We ask that you submit your prior authorization well in advance of the service date(s), allowing two weeks (15 days) for a determination to be made.

You may, but be aware that expedited requests are defined as those which may seriously jeopardize life or health, or the ability to regain maximum functioning.

Not typically, but requests will be handled on a case-by-case basis. Complete a Request for Authorization form and submit it for consideration.

Reduce the time it takes to process your claim and avoid a returned claim by completely and correctly filling in the claim form.

The following items, if missing or incorrect, will delay processing of your claim or even result in a request for re-submission:

• Subscriber’s name
• Subscriber’s member ID number (11-digits)
• Patient’s name and date of birth
• Date of service
• UHA group number (4-digits)
• Name of referring physician for claims from laboratories, radiologists, and consultants
• Date, place, and cause of injury
• Descriptive diagnosis and ICD-9 code
• Descriptive procedures and CPT code
• Charges
• Provider’s billing name and address
• Provider or agent’s signature
• Supportive data for modifiers, e.g. after-hours modifier – claim should have time listed
• Provider Identification Number (PIN)
• Federal tax ID number

Avoid the following possible claims(s) denials:

• Claim submitted with Modifier -25 or -57?*
  • Tip: Submit your claims with supporting documentation indicating a significant, separately identifiable evaluation and management service by the same physician on the same day of the procedure or other service.
• Claim submitted with Modifier -59?*
  • Tip: Submit your claim with supporting documentation indicating the service was distinct or independent from other service(s) performed on the same day.
• Claim submitted with duplicate CPT codes?*
  • Tip: Submit your claim with supporting documentation indicating the service(s) is not a duplicate.
• UHA is secondary insurance carrier?*
  • Tip: Submit your claim with primary insurance carrier’s EOB (Explanation of Benefits)/RA (Remittance Advice).

*You may also apply this information for previously denied claims resubmitted for reimbursement reconsideration

Box 21 – DIAGNOSIS OR NATURE OF ILLNESS OR INJURY – ICD INDICATOR
Use the ICD-9 or ICD-10 code for each current diagnosis applicable to that visit. Do not put any description for each diagnosis code. The new form requires that codes be entered in the correct order following the alphabetical reference numbers (A-L) codes are entered left to right (alphabetical order), 4 codes per row, and up to 3 rows. NOTE: This is different from the old CMS form where only up to 4 codes can be entered and according to the numerical order.

UHA recommends that the diagnosis reference numbers (A-L) be used in COLUMN 24E to correspond with the services.

“ICD IND” Use this space to indicate if the diagnosis codes being used are ICD-9 or ICD-10 codes. An indicator of “9” would represent ICD-9 codes and a “0” indicator would represent ICD-10. This is a required field.

Please contact Customer Services if you require assistance.​

Here are three common reasons a claim may be denied and some helpful tips to get your claims paid without delay:

1. Denial Reason: “Duplicate claim”:
   • Check other claims to see if the service was paid on another claim;
   • If the service in question was not paid on another claim:
     • Do NOT resubmit the same claim.
     • Instead, submit the Provider Claims Action Request form with clinical notes.
2. Denial Reason: “Exceeded timely filing”:
   • Submit the Timely Claim Filing Waiver Form for providers with supporting documentation.
3. Denial Reason: “No Prior Authorization on file”:
   • Submit the Prior Authorization Request Form for appropriate services with clinical notes for retroactive review:
     • Prior Authorization for Medical Services
     • Prior Authorization for Prescription Drugs
   • Reference list of Services That Require Prior Authorization

Acceptable reasons for timely filing waivers:

• Claim submission within 12 months from date of service
• Claim submission within 12 months from date of denial
• Claim submission within 12 months from newborn enrollment
• Claim submission within 12 months from primary carrier’s payments
• Claim submission within 12 months of third party liability payer exhaust denial (must provide dated denial)

If none of the above reasons apply, a Claim Filing Waiver Form may be submitted with one of the following documents that support attempts of earlier claims submissions:

• Copy of the electronic claim denial/rejection notification
• Dated correspondence from UHA with claim information detailing why claim was rejected
• Dated confirmation of claim receipt

When requesting a waiver, please use the Timely Claim Filing Waiver Form.

If you have any questions regarding timely filing, please contact Customer Services at (808) 532-4000, extension 351, from Oahu or (800) 458-4600, extension 351, from the neighbor islands.

1. What should you do if you are asked to resubmit a claim with notes?
   • Submit a paper claim with medical notes attached and write “Resubmission” at the top right hand corner.
2. What should you do if there is a denial on your claim that you disagree with?
   • Complete and submit a “Claim Reconsideration Request” form along with your medical notes.
   • Do not submit a claim with the “Claim Reconsideration Request” form to avoid a duplicate claim denial.
3. What should you do if you would like to make a correction on a previously submitted claim?
   • Submit a paper claim and write the words “Corrected Claim” at the top right hand corner.
   • Please ensure that the corrected claim matches your original claim with the exception of the area(s) that is being corrected.See example below:

Original Claim

Corrected Claim

(Line 1: CPT changed to 99213 / Lines 2 & 3 identical to original claim)

UHA switched over to Express Scripts as of June 1, 2016 in response to customer feedback and our desire to rein in the skyrocketing costs of prescription drugs. In order for UHA to care for the  needs of our members, we have to align ourselves with partners who will be able to help us curb costs. Because of its size and position in the industry, Express Scripts offers more competitive pricing and service for our members.

Some medications, such as injectables, infusions, and some specialty drugs are part of a member’s medical benefit rather than the pharmacy benefit. Express Scripts not only manages our pharmacy benefits for our members (PBM), but through their company CareContinuum, they can also manage medications under the member’s medical benefits (MBM). There is a MBM v. PBM Drug Lookup tool available here.

Pharmacists can call the Pharmacy Help desk at (800) 922-1557 to assist with claims processing for medications managed under the member’s pharmacy benefit (PBM) at any time of the day or night.

For help with claims processed according to the member’s medical benefit (MBM), pharmacists can call UHA Customer Services, Monday – Friday, 8am to 4pm Hawaii Standard Time, at (808) 532-4000, Toll free: (800) 458-4600.

Please see the list of excluded medications and their alternatives: Express Scripts.

 We recommend that you visit uhahealth.com/express-scripts to see if there will be changes to the coverage of your patient’s medications:

• Which medications are included in our Formulary and which medications will require PA, step therapy, or have a quantity limit
• Which medications will not be covered

For fastest service visit Express Scripts’ provider portal at www.evicore.com/provider.

• This one-stop site will allow you to submit PA requests for medications managed under the member’s pharmacy benefit (PBM) and those managed under the medical benefit (MBM). In most cases you will be able to receive a real-time response. You can also set up email notifications which will send updates either on a daily basis, or if you prefer, only when a decision has been made.
• PA requests for medications that are managed under the member’s pharmacy benefit may also be submitted via covermymeds.
• Physicians may also call in PA requests for medications managed under the member’s pharmacy benefit (PBM) at any time of the day or night. And in most cases, you will get a real-time response.
  • PBM Phone: (800) 753-2851
  • PBM Fax: (877) 251-5896
• For PA requests for medications managed under the member’s medical benefit, call CareContinuum, the plan’s Medical Benefit Manager (MBM), Monday – Friday, 8am to 10pm Eastern Standard Time.  Messages received after business hours will be returned the next business day.
  • MBM Phone: (866) 877-7042 (Press Option #1 for PA questions)
  • MBM Fax: (866) 877-7179

Pharmacists may call the MBM or PBM phone number to obtain status on PA’s or check with the provider’s office who submitted the PA. The Pharmacy can register at www.evicore.com/provider also and submit PA’s. They can receive email notifications of status on a daily basis, or just when the decision has been made. Once ESI approves a PA, they will fax a notification to both the prescribing physician and the pharmacy listed on the PA.

• PBM Phone: (800) 753–2851
• MBM Phone: (866) 877-7042

Many injectable, infusion and specialty medications are managed under the member’s MBM rather than the PBM. Submitting PA requests via evicore.com portal eliminates the need to differentiate between the two. PA requests for drugs managed as a medical benefit or as a pharmacy benefit may both be submitted on the same user friendly website www.evicore.com/provider.

If you choose a different submission method, you can find out which medications are managed by the member’s medical benefit (MBM), and which are managed by the member’s pharmacy benefit (PBM) by using the MBM v. PBM Drug Lookup tool available on the Drug Search for Providers tab of the Find Care Providers & Drugs page.

These clinical programs protect your patient’s health and save them money: step therapy (ST), drug quantity management (QL) and prior authorization (PA):

Step Therapy

• Step therapy is a program for patients who take prescription medicine regularly to treat a long-term condition, such as arthritis, asthma or high blood pressure. It lets patients get the treatment they need affordably. It helps the plan sponsor maintain prescription-drug coverage for everyone the plan covers. In step therapy, medicines are grouped in categories based on treatment and cost.
• First-line medicines are the first step. First-line medicines are generic and lower-cost brand-name medicines approved by the U.S. Food & Drug Administration (FDA). They are proven to be safe, effective and affordable. Step therapy suggests that patients should try these medicines first because in most cases they provide the same health benefit as more expensive drugs, but at a lower cost.
• Second-line drugs are the second and third steps. Second-line drugs typically are brand-name drugs. They are best suited for the few patients who don’t respond to first-line medicines. Second-line drugs are the most expensive options.
• Members who are currently taking a second line drug will not be asked to switch to a first line drug. They will be grandfathered indefinitely.
• If you prescribe a new medication for a patient with a step therapy requirement, they will be asked to try a first-line medication before a second-line medication.

Drug Quantity Management

• The drug quantity management program makes sure that patients are getting the right amount of medication and that is prescribed in the least wasteful way. For example, you instruct your patient to take two 20mg pills each morning. If that medication was also available in 40mg pills, we would reach out to you about prescribing one 40mg pill a day instead of two 20mg pills. In addition, if you wrote the original prescription for 30 pills (a 15-day supply), the new prescription for 30 pills would last a full month — and the patient would have just one copayment, not two.
• This program also makes sure that the prescription doesn’t exceed the amount of medication that the plan covers. If the prescription is for too large a quantity, the pharmacist can fill the prescription for the amount that the plan covers or contact you to discuss other options, such as increasing to a higher strength or getting a prior authorization for the quantity originally prescribed.

Prior Authorization

• When a prescription requires prior authorization, you can submit a PA request to Express Scripts or prescribe a different medication that is covered by the plan.

Registration is quick and easy! Visit myevicoreportal.medsolutions.com/User/Registration/Index.

You can register with only 6 simple steps and log in right away to begin submitting PA’s online. A tutorial can be found here.

Please see the evicore.com Web Portal Overview for step by step illustrations.

With electronic prior authorization, spend more time with patients and less time faxing. Visit www.evicore.com/provider to submit PA requests any time day or night and in most cases receive a response right away.

Using the online PA portal, www.evicore.com/provider, or submitting your PA via phone, is the fastest way to receive a response. In most cases you will receive a real-time answer, and if approved, the patient will be able to pick up their medications right away.

If you disagree with a decision reviewed under the member’s pharmacy benefit (PBM), you may contact UHA’s Health Care Service Department Monday-Friday from 8am to 4pm HST to request a peer-to-peer conversation within 30 days of the denial. We will arrange a time for you to speak with our Medical Director or Chief Medical Officer to discuss reconsideration. If you would like to submit a formal, written appeal to UHA, please follow our appeals process described here.

If you disagree with a decision made by CareContinuum (MBM), please contact them at (866) 877-7042, Monday-Friday: 8am-10pm EST. With CareContinuum you will be able to request a peer-to-peer or submit a formal written appeal.

Express Scripts can answer your questions quickly and accurately around the clock for questions about drugs managed under the member’s pharmacy benefit (PBM). For medications managed under the member’s medical benefit (MBM), any calls received outside of business hours will be returned the next business day.

UHA’s phone lines are also available from 8am to 4pm, Monday through Friday, except for major holidays. A representative can be reached at: 808-532-4000 (or 800-458-4600 from the neighbor islands) at the following extensions:

• Customer Services: ext. 297 
• Health Care Services: ext. 300 
• Employer Services: ext. 299
• Premium Billing: ext. 353

Express Scripts Contact Information

PBM:

• Member Customer Service: Specific number for member inquiries; listed on the back of the member ID cards.
  Phone: (855) 891-7978
  Available 24/7
• Prior Authorizations: Contact for physicians to call or fax in PHARMACY prior authorizations.
  Phone: (800) 753 – 2851
  Fax: (877) 251-5896
  Available 24/7
• Pharmacy Help Desk: For pharmacy use only to assist with getting a claim to adjudicate or understanding a reject message.
  Phone: (800) 922-1557
  Available 24/7
• TDD: Member Customer Service number for hearing impaired members.
  Phone: (800) 759-1089
  Available 24/7

MBM:

• Prior Authorizations: Contact for physicians to call or fax in MEDICAL drug prior authorizations.
  Phone: (866) 877-7042
  Fax: (866) 877-7179
  Mon – Fri 8AM – 10PM (EST), 2AM – 4PM (HST)

The forms and documents on this page require the free Adobe Acrobat Reader. Please download Adobe Reader.

All Hawaii residents ages 6 months and older are eligible for the COVID-19 vaccinations. If you are under 18 years old, you will need parental/guardian consent and you may be limited to a certain type of vaccine that you are authorized to take. Please refer to the Hawaii Department of Health COVID-19 vaccine page for updates.

For the most detailed and up-to-date information, please see hawaiicovid19.com.

There are two ways to find a vaccination location:

• The HDOH COVID-19 vaccine page provides links to receive a COVID-19 vaccine or booster.
• The CDC’s Vaccine Finder. Input your zip code and the website will provide vaccination locations near you.

Please refer to the Hawaii Department of Health COVID-19 vaccine FAQs page for details on the COVID-19 booster shot.

The HDOH has a service for kupuna that simplifies the COVID-19 vaccination registration process. View the Department of Health news release here.

• Seniors or family caregivers can call 2-1-1 to reach Aloha United Way’s team of trained specialists. This service is available seven days a week for those age 65 and older. Call 2-1-1 for personalized assistance in navigating the registration process and securing appointments. The team can also help eligible individuals arrange for transportation to and from a vaccination provider.
• Aloha United Way’s 2-1-1 team is responsible for the initial intake process. Information is then securely electronically transferred to the St. Francis Healthcare System call center team. St. Francis will follow up with kupuna who have called AUW’s 2-1-1 within 24 to 48 hours.

For more information, please see your human resources manager or other company executive.

Schools are likely to have their own policies, so please contact your children’s principal. We also encourage you to talk to your children’s pediatrician, who will provide guidance knowing their health and medical history.

For information on potential side effects, please see cdc.gov. We also highly encourage you to talk to your primary care physician, who knows your health and medical history.

No. There is no co-pay to receive the COVID-19 vaccine, even from an out-of-network provider. As with the flu shot, this critical vaccine will be provided at $0 co-pay.

We highly encourage you to talk to your primary care physician, who knows your health and medical history.

The FDA has approved the COVID-19 vaccines. For more information, please see cdc.gov. We also highly encourage you to talk to your primary care physician, who knows your health and medical history.

For the most comprehensive and up-to-date information, please see the Centers for Disease Control (CDC) and Prevention at cdc.gov.

If you have been in close contact with someone with suspected or confirmed COVID-19, whether you are fully vaccinated or not, you should first be evaluated by your healthcare provider and be tested for COVID-19 if indicated to do so.

UHA will cover COVID-19 diagnostic testing when the test is, at the time of service, in accordance with updated CDC guidelines. Coverage is subject to change contingent upon evolving CDC guidelines. UHA will not cover non-diagnostic testing.

The CDC recommends the following individuals should obtain COVID-19 diagnostic testing:

1. People who have symptoms of COVID-19.
2. People who have come into close contact with someone who tested positive for COVID-19. The CDC currently recommends waiting at least 5 full days after your exposure before testing.
3. If you are in certain high-risk settings, you may need to test as part of a screening testing program
4. Consider testing before contact with someone at high risk for severe COVID-19, especially if you are in ana area with a medium or high COVID-19 Community Level.

Current CDC guidelines can be found here. Please review the remaining questions and answers as to whether UHA will provide coverage for a COVID-19 test in specific situations.

No. A screening test for COVID-19 is not covered by your UHA plan. A “screening test” for COVID-19 is a test administered to someone with no symptoms. The HDOH and CDC do not currently recommend testing for people who do not have symptoms.

For more information on the at-home COVID-19 tests view this Important Notice.

Start with a call to your doctor. If you’re sick and experiencing flu-like symptoms, such as cough or difficulty breathing, and think you have been exposed to COVID-19, call your doctor (primary care physician / PCP) for medical advice. If you’re able, monitor and report your temperature. Your doctor will determine whether you should be tested and can best instruct you on next best steps, including the most appropriate care location to visit and testing protocols.

UHA covers antibody tests (serology) when medically necessary and only if one of these CDC guideline criteria are met under the guidance of a provider:

1. You have been ill for 9 to 14 days and CDC guidelines call for an antibody (blood) test plus the standard COVID-19 (nose swab) test for a more conclusive diagnosis.
2. Your child has complications that his or her physician determines is related to COVID-19, such as an inflammatory syndrome in children (e.g., as Kawasaki disease or an illness similar to toxic shock).

The test is not currently designed to test individuals wanting to know if they have been previously infected with COVID-19.

Furthermore, the American Medical Association has taken a position on not using serology testing for the sole determination of immunity to COVID-19 secondary to testing limitations along with potential false positive and/or negative results. Read their guidance here.

Therefore, UHA will not pay for antibody tests if the test is solely to show immunity to COVID- 19.

No. UHA does not cover COVID-19 testing for travel purposes.

For more information on the at-home COVID-19 tests view this Important Notice.

For more information on the at-home COVID-19 tests view this Important Notice.

Refer to Question #5 on this Important Notice page.

UHA covers telehealth visits with participating providers at 100%.* We encourage you to seek care from your primary care physician first. Your own doctor will know your medical history and needs best. If your physician is not a participating provider, UHA may cover some costs but you will be responsible for any additional charges that exceed UHA’s standard rates.

Visit our Telehealth page to learn more.

*Telehealth covered at 100% of eligible charges with no copay or deductibles when rendered by a participating provider in UHA’s network. This level of coverage is valid only for the duration of the federal COVID-19 state of emergency. The conditions for the coverage of telehealth copays can be found in UHA’s current Telehealth Services payment policy. Or call UHA to find out more.

UHA members will have expanded access to UHA’s team of RN Care Specialists and clinical team to answer questions about accessing medical care, medications or how to care for yourself at home. Call (808) 532-4006, or toll free at 1-(800) 458-4600, ext. 300, Monday through Friday from 8 a.m. to 4 p.m.

UHA covers telehealth visits with participating providers at 100%.* We encourage you to seek care from your primary care physician first. Your own doctor will know your medical history and needs best. If you don’t have a primary care physician, you may access virtual care from the resources below. Standard benefits apply when members have a telehealth visit with a non-participating provider.**

*Telehealth covered at 100% of eligible charges with no copay or deductibles when rendered by a participating provider in UHA’s network. This level of coverage is valid only for the duration of the federal COVID-19 state of emergency. The conditions for the coverage of telehealth copays can be found in UHA’s current Telehealth Services payment policy. Or call UHA to find out more.

**Unless the non-participating provider telehealth service is related to a COVID-19 diagnosis.

Virtual Care Resources

The Queen’s Health Systems COVID-19 Hotline
If you are experiencing symptoms you believe may be linked to COVID-19, talk to a Registered Nurse and get your questions answered.
Hours: 24/7
COVID-19 Infoline: 808-691-2619
(Dial 1 first if calling from a neighbor island.)
Website: covid.queens.org

Hawai’i Pacific Health

Hawai’i Pacific Health COVID-19 Virtual Clinic for Video and Phone Visits
The Virtual Clinic’s purpose is to address patients with signs and symptoms of COVID-19 who are well enough to be evaluated without coming to the office and others who have concerns about COVID-19 exposure.

Patients should reach out to their own primary care physician (PCP) for treatment and guidance before contacting the Virtual Clinic. Patients without a PCP are encouraged to contact the Virtual Clinic directly.
Hours: 8AM – 8PM
Phone: 808-462-5430 (press option 2)
Website: https://www.hawaiipacifichealth.org/hph-covid-19-updates/covid-19-testing

MyChart
Connect with your PCP for non-COVID related health issues via MyChart. You can message your doctor or send an electronic visit request.

First Vitals
For mild to moderate symptoms of COVID-19, telehealth consults can help reduce the novel coronavirus from spreading from person to person and is a more efficient way to receive initial care. Book a 15-minute video consult with a medical professional at: http://www.covidhawaii.com.

For those experiencing flu-like symptoms without shortness of breath and no history of serious medical problems that could compromise your health, going to an urgent care facility is appropriate. Please call the urgent care facility in advance to get any pre-arrival instructions that will help prevent spreading of your illness to others.

However, go immediately to the emergency room if you have any of the following: a rapid pulse, a temperature of over 103 degrees lasting for several days or shortness of breath.

Effective March 1, 2020 and until the federal COVID-19 state of emergency ends, coinsurance requirements are waived for these services when related to a COVID-19 diagnosis. This includes:

• Doctor’s office visits 
• Urgent care facilities 
• Emergency room 
• Telehealth visits* 
• Virtual check-in
• E-visits

*Telehealth covered at 100% of eligible charges with no copay or deductibles when rendered by a participating provider in UHA’s network. This level of coverage is valid only for the duration of the federal COVID-19 state of emergency. The conditions for the coverage of telehealth copays can be found in UHA’s current Telehealth Services payment policy. Or call UHA to find out more.

Yes. All copay, coinsurance, or deductible coinsurance requirements are waived and UHA will provide 100% of the eligible charge for medically necessary hospitalization with a UHA participating facility and their UHA participating providers related to a COVID-19 diagnosis. At this time, the waiver applies to all admissions with a date of service from April 1, 2020. This is a temporarily enhanced coverage of benefits which is subject to change. Coverage was extended as of January 1, 2021.

For help finding a participating provider in UHA’s network, visit the UHA Care Provider Search tool.

UHA encourages our members to utilize their 90-day mail-order benefit or the extended fill available though most UHA-participating retail pharmacies within the Express Scripts network. Learn more here.

You can sign up for mail order delivery to your home for free. Just visit Express-Scripts.com to sign up. Once you are enrolled, they will even contact your physician when your prescription runs out.

UHA’s Pharmacy Benefits Manager, Express Scripts, is closely monitoring the global manufacturing environment. At this time, they don’t see any disruptions to the supply chain that will affect their ability to fill prescriptions for UHA members, now and in the near future. Given the fluid nature of the COVID-19 outbreak, Express Scripts will continue to monitor the situation and work with their suppliers as needed. UHA will continue to work with Express Scripts to address issues and service our members.

To ensure that we can be here for you, we’ve been actively working with UHA’s own associates to safeguard their health. To the extent possible, our associates have begun telecommuting and practicing several other social distancing measures so we can continue to serve our members, employers and providers.

We recommend the following government web sites for general information about coronavirus during this time:
https://www.cdc.gov
https://health.hawaii.gov/docd/advisories/novel-coronavirus-2019/

If you have any questions or need assistance, please contact Customer Services.

Customer Services
Call: (808) 532-4000 or Toll free: 1 (800) 458-4600
Online: Leave us a message

UHA is committed to your health. This pandemic has led to a multitude of changes for Hawaii’s workforce. For those who have been let go by their employers or have had their hours reduced, we have resources to help you stay informed and navigate your options.

Individual Plan Transition Resources

• To check if you’re eligible for Medicaid and to learn more about how you can apply, visit medquest.hawaii.gov for more information.
• For other individual health plan options and possible subsidies to help receive coverage, visit the Federal Marketplace at healthcare.gov.

If after reviewing these online resources, you find that you need further assistance, contact Customer Services to speak to a representative.

Customer Services
Call: (808) 532-4000 or Toll free: 1 (800) 458-4600
Online: Leave us a message

The HDOH developed a new program, Kū Makani—The Hawai‘i Resiliency Project, offering dedicated crisis counseling to callers facing emotional fallout related to the COVID-19 pandemic.

• Kū Makani has an array of services to help residents experiencing anxiety, depression, panic or just feeling overwhelmed by the challenges of the pandemic.
• This is a FREE service.
• To reach a trained Kū Makani counselor, call the Hawai’i CARES
  • hotline: Oahu – (808) 832-3100
  • Neighbor Islands: Maui, Kauai, and Hawaii – 1 (800) 753-6879 Kū Makani crisis counseling hours:
    • 4:00 p.m. – 9:00 p.m. Monday-Friday
    • 9:00a.m. –9:00 p.m. Saturday and Sunday
• Visit the Kū Makani website and social media for detail about the program, services, upcoming events, and island- specific resources: kumakani.org
• For non-pandemic counseling and services, including crisis support, mental health resources and substance use treatment services, you may always call the Hawai‘i CARES hotline 24/7 at 1 (800) 753-6879 or text “ALOHA” to 741741.

For full details, please see our Telehealth Services payment policy.

Telehealth services are covered (subject to Limitations and Administrative Guidelines) when all criteria are met as stated in our policy. The policy will cover criteria such as, but not limited to:

• Methods of how the service is delivered (video/audio, telephone calls, platform, etc.)
• Geographic restrictions on a patient’s or health care provider’s location

For assistance with questions regarding our policy, please email or call Customer Services at:

Customer Services
Phone: (808) 532-4000
Toll free: (800) 458-4600
Email: Customer Services Contact Form

The services we cover for behavioral health are listed in our medical payment policy. As long as the criteria/guidelines for telehealth services are met, we will cover those specific behavioral health services.

Yes, as long as all telehealth criteria are met.

The Health and Human Services Office for Civil Rights (OCR) will exercise its enforcement discretion and will not pursue otherwise applicable penalties for breaches that result from the good faith provision of telehealth services during the federal COVID-19 state of emergency. Visit the telehealth criteria for more information.

A detailed list of accepted codes and the description of services for each are available in our Telehealth Services policy. If you do not see a service or code listed in our policy, please contact Customer Services to verify if coverage is available.

Customer Services
Phone: (808) 532-4000
Toll free: (800) 458-4600
Email: Customer Services Contact Form

Reimbursement is defined in your contract terms. If you have any questions regarding reimbursement, please email Contracting Services.

Please continue to submit your claims to UHA. We would prefer electronic billing. If you wish to sign up to submit your claims electronically please visit our page on Provider Claims Submission. If you are interested in receiving payments from UHA electronically, please sign up for EFT payments by following these instructions: logging into your Online Provider Services account, navigating to the “Forms” tab, and completing the Authorization for EFT Request Form and sending it to our Contracting Services department.

The process for COVID-19 related claims is new to everyone, it’s possible there may be mistakes made. Rest assured, we will work quickly to resolve any issues. We appreciate your patience as we work through this.

If you have any questions or need assistance, please contact Customer Services.

Customer Services
Phone: (808) 532-4000
Toll free: (800) 458-4600
Email: Customer Services Contact Form

Claims submitted with the following ICD-10 diagnosis codes defined by the Center for Disease Control (CDC) will be identified as the diagnosis or treatment of COVID-19.

Claims without the CDC identified COVID-19 related diagnosis codes will be processed to include co-pays, coinsurance and deductibles defined in the member’s plan medical benefits guide. We appreciate you working with us to ensure those individuals and families affected by COVID-19 are not negatively financially impacted.

• U07.1: Confirmed diagnosis (see CDC Coding Guidelines for all scenarios)
• Z03.818: Encounter for observation for suspected exposure to other biological agents ruled out.
• Z20.828: Contact with and (suspected) exposure to other viral communicable diseases.
• Z11.59: Encounter for screening for other viral diseases

Reference: CDC Coding Guidelines

UHA will cover appropriate, medically necessary diagnostic testing for COVID-19, per Centers for Disease Control and Prevention (CDC) guidelines and Hawaii Department of Health’s (HDOH) mandated coverage. Current CDC guidelines can be found here.

Regardless of the primary purpose of the visit, 100% of eligible charges with no copay or deductibles will be covered on any telehealth service rendered with a participating provider in UHA’s network during the federal COVID-19 state of emergency.

All telehealth visits are covered at 100% of eligible charge when related to COVID-19 diagnosis, effective 3/01/20. This includes visits to a doctor’s office, urgent care facilities, emergency room, telehealth visits, virtual check-in, and e-visits. This means that UHA members diagnosed with COVID-19 will have all associated copayments, coinsurance, and deductibles covered whether or not the services received are from a UHA participating or non-participating provider. However, standard benefits apply when members have a telehealth visit with a non-participating provider.*

UHA covers antibody tests (serology) when medically necessary and only if one of these CDC guideline criteria are met under the guidance of a provider:

1. When an individual has been ill with COVID-19 symptoms for 9 to 14 days and a diagnosis must be established using the antibody test in addition to recommended direct detection methods such as the standard COVID-19 nose swab polymerase chain reaction (PCR) tests.
2. In evaluating a child with complications that may be related to COVID-19, such as an inflammatory syndrome in children (such as Kawasaki disease or an illness similar to toxic shock).

The test is not currently designed to test individuals wanting to know if they have been previously infected with COVID-19.

Furthermore, the American Medical Association has taken a position on not using serology testing for the sole determination of immunity to COVID-19 secondary to testing limitations along with potential false positive and/or negative results. Read their guidance here.

Therefore, UHA will not pay for antibody tests if the test is solely to show immunity to COVID-19.

COVID-19 serology (IgG or IgM) testing (commonly known as “antibody testing”) is a covered benefit only when the test meets the definition of “medical necessity.” While we completely support clinical advancements that improve diagnosis, treatment, and prevention of COVID-19, serologic testing is complicated. The antibody testing is not currently recognized by the CDC as a valid diagnostic test for COVID- 19 or a reliable test to demonstrate immunity, and serology testing is not known to be effective in improving health outcomes.

Accordingly, UHA does not endorse and will not cover tests without FDA standing and insists that the ordering provider be qualified to interpret the results in the context of the clinical situation and the public health milieu.

This is a rapidly changing situation that we will continue to monitor using the latest guidance from the CDC and DOH to determine which tests are medically necessary. As guidelines and recommendations evolve, we’ll continue to re-evaluate our policies.

Priority for vaccines has been determined by the Centers for Disease Control and Prevention and the Hawaii State Department of Health (HDOH). For the most detailed and up-to-date information, please see hawaiicovid19.com.

Those who meet the criteria for each phase will be able to get the vaccine through any approved COVID-19 vaccine provider, as supplies allow.

The HDOH has a new service for kupuna that simplifies the COVID-19 vaccination registration process. View the HDOH news release .

• Seniors or family caregivers can call 2-1-1 to reach Aloha United Way’s team of trained specialists. This service is available seven days a week for those age 65 and older. Call 2-1-1 for personalized assistance in navigating the registration process and securing appointments. The team can also help eligible individuals arrange for transportation to a vaccination provider.
• Aloha United Way’s 2-1-1 team is responsible for the initial intake process. Information is then securely electronically transferred to the St. Francis Healthcare System call center team. St. Francis will follow up with kupuna who have called AUW’s 2-1-1 within 24 to 48 hours.

For more information, please contact your own legal counsel.

No. There is no co-pay to receive the COVID-19 vaccine, even from an out-of-network provider. As with the flu shot, this critical vaccine will be provided at $0 co-pay.

As of this time, we do not anticipate setting up vaccine clinics in our members’ place of business because of a number of unprecedented challenges, including requirements for storage and temperature monitoring equipment, as well as other issues.

The FDA has approved the COVID-19 vaccines. For more information, please see cdc.gov.

For the most comprehensive and up-to-date information, please see the Centers for Disease Control and Prevention at cdc.gov.

If your employee has been in close contact with someone with suspected or confirmed COVID-19, whether they are fully vaccinated or not, they should first be evaluated by their healthcare provider and be tested for COVID-19 if indicated to do so.

UHA will cover COVID-19 diagnostic testing when the test is, at the time of service, in accordance with updated CDC guidelines. Coverage is subject to change contingent upon evolving CDC guidelines.  UHA will not cover non-diagnostic testing.

The CDC recommends the following individuals should obtain COVID-19 diagnostic testing:

1. People who have symptoms of COVID-19 who are fully vaccinated with the COVID-19 vaccine should first be evaluated by their healthcare provider and be tested for COVID-19 if indicated to do so.
2. People without symptoms of COVID-19 who are not fully vaccinated with the COVID-19 vaccine:
   • who have been in close contact with someone with suspected or confirmed COVID-19, should first be evaluated by their healthcare provider and be tested for COVID-19 if indicated to do so.
   • who have taken part in activities that put them at higher risk for COVID-19, such as travel, attending large social or mass gatherings, or being in crowded indoor settings.
   • who have been asked or referred to get tested by their school, workplace, healthcare provider, state, tribal, local, or territorial health department.

Please review the remaining questions and answers as to whether UHA will provide coverage for a COVID-19 test in specific situations.

No. Testing requested by employers or testing to screen for general workplace health and safety (such as an employee “return to work” program),or testing for employment purposes are not covered by UHA plans. This aligns with UHA’s Medical Benefits Guide (MBG) and the guidance recently issued by the federal tri- agencies (U.S. departments of: Labor, Health and Human Services, and Treasury).

The American Rescue Plan Act of 2021 (ARPA) was signed by President Biden in March 2021. It includes a number of provisions designed to assist workers impacted by the COVID-19 pandemic.

Among the provisions of this new law is a COBRA premium subsidy that pays for 100% of the applicable COBRA premium for eligible individuals for coverage periods beginning April 1, 2021 and ending September 30, 2021.

If your group health plan is subject to COBRA, there are new COBRA notice requirements for employers and additional COBRA election opportunities for assistance-eligible individuals starting April 1, 2021.

Every employer’s situation is unique, so you must consult with your business and/or legal counsel for specific advice for your company. Please note that when contacted by any members who will be impacted by this new law, we are directing them back to their former employers. Please contact your former employer.

We also suggest that employers check the U.S. Department of Labor website regularly for updates should they become available.

Yes, UHA will allow for continuation of coverage due to the COVID-19 pandemic. Please contact your Client Services Liaison or Coordinator at (808) 532-4000, ext. 358 or toll free 1-(800) 458-4600, ext. 358 or email [email protected].

Yes, UHA will waive waiting-period requirements for members who were furloughed or displaced due to the COVID-19 pandemic, but then later return to work. Please contact your Client Services Liaison or Coordinator for details: (808) 532-4000, ext. 358 or toll free 1-(800) 458-4600, ext. 358 or email [email protected].

Depending on your regulatory plan status, you can change medical plans during the COVID-19 pandemic. Please keep in mind that the change may increase out-of-pocket expenses for your employees. Also, please note this is a process that does take some time; UHA must approve the change in plans and be given time to make the change. We recommend at least 60 days to properly execute the change and for you to properly notify your employees.

Please contact your Client Services Liaison or Coordinator to determine if your plan status will allow for these changes. Depending on your regulatory plan status, you may be able to make changes to your drug, vision and dental riders. We are here to guide you as current regulations may not permit the exclusion of certain riders. Call us at (808) 532-4000, ext. 358 or toll free 1-(800) 458-4600, ext. 356 or email [email protected].

Because health plan coverage begins on the 1st of the month, Hawaii law requires premium payments to be made by that date to avoid a lapse in coverage.

If you anticipate a delay in making a premium payment, please contact one of our Billing Representatives immediately to discuss your alternatives.

UHA is required to give companies 10-day advance notice that a lapse in coverage will occur if payment is not received within the notice period. Again, if you do anticipate a delay in payment or receive a notice of impending termination of your coverage, please call us immediately to discuss payment options. We recognize that the current COVID-19 situation calls for difficult decisions; we want to work with you as every organization is facing different circumstances.

Call us at (808) 532-4000, ext. 353 or toll free 1-(800) 458-4600, ext. 353 or email billing@uhahealth.com.

The CARES Act was signed into federal law on March 27, 2020, to provide billions of dollars in relief for American workers and small businesses. It was designed to offer multiple funding options for those seeking relief.

This act established new temporary programs to address the COVID-19 outbreak and provide several Coronavirus relief options:

1. Paycheck Protection Program – An SBA loan that helps businesses keep their workforce employed during the Coronavirus (COVID-19) crisis.
2. EIDL (Economic Injury Disaster Loan) Emergency Advance – This loan advance will provide up to $10,000 of economic relief to businesses that are currently experiencing temporary difficulties.
3. SBA Express Bridge Loan – Enables small businesses who currently have a business relationship with an SBA Express Lender to access up to $25,000 quickly.
4. SBA Debt Relief – The SBA is providing a financial reprieve to small businesses during the COVID-19 pandemic.

For more information, please visit the U.S. Small Business Administration website.

Beginning May 18, 2020, the City and County of Honolulu launched a COVID-19 reimbursement program for small businesses called the Small Business Relief and Recovery Fund. Please click on the link for more details.

Local applications for CARES funding can be found at the following:

• American Savings Bank
• Bank of Hawaii
• Central Pacific Bank
• First Hawaiian Bank
• Hawaii National Bank

We recommend that you discuss these programs with your financial and/or tax professional to determine which programs might be the best option for you and your business.

The HDOH developed a new program, Kū Makani—The Hawai‘i Resiliency Project, offering dedicated crisis counseling to callers facing emotional fallout related to the COVID-19 pandemic.

• Kū Makani has an array of services to help residents experiencing anxiety, depression, panic or just feeling overwhelmed by the challenges of the pandemic.
• This is a FREE service.
• To reach a trained Kū Makani counselor, call the Hawai’I CARES
  • hotline: Oahu – (808) 832-3100
  • Neighbor Islands: Maui, Kauai, and Hawaii – 1 (800) 753-6879 Kū Makani crisis counseling hours:
    • 4:00 p.m. – 9:00 p.m. Monday-Friday
    • 9:00a.m. – 9:00 p.m. Saturday and Sunday
• Visit the Kū Makani website and social media for detail about the program, services, upcoming events, and island-specific resources: kumakani.org
• For non-pandemic counseling and services, including crisis support, mental health resources and substance use treatment services, you may always call the Hawai‘i CARES hotline 24/7 at 1 (800) 753- 6879 or text “ALOHA” to 741741.