2016 Virginia Small Group (1-50) Health Plan Portfolio

Size: px
Start display at page:

Download "2016 Virginia Small Group (1-50) Health Plan Portfolio"

Transcription

1 2016 Virginia Small Group (1-50) Health Plan Portfolio

2 What do you value in a health plan? You want to offer benefits that attract employees and keep them healthy. UnitedHealthcare provides a variety of health plans that help you achieve your goals while educating and engaging employees in making wise health care choices to help control costs. Our UnitedHealthcare portfolio includes a variety of products with a wide range of affordable and flexible health plan solutions. Choose from traditional open access plans, account-based, tiered benefit, limited network and higher cost share plans. We also integrate pharmacy benefits with our medical plans and offer a variety of specialty benefit options so you have the ability to offer your employees a comprehensive benefit package. In accordance with the Affordable Care Act (ACA), all of our small group plans can also be identified by metallic benefit coverage levels: Bronze, Silver, Gold and Platinum. These designations indicate the relative value of the covered benefits, from Bronze (lowest) to Platinum (highest). All plans must meet standard requirements for affordability, essential health benefits and consumer protections. Each metallic level includes choices of benefits, plan types and price. Think about what you value most in a health plan and use the chart below to help you determine which product has the features and benefits you are looking for. Member Role / Level of Member Involvement Products Network Network Access Plus Low Moderate High OCI Preferred OCI HMO Plus Core Essential Navigate OCI Preferred Non-Network Coverage Plan Design Elements Tiered Benefit Plans Place of Service Guidance Tiered Providers Primary Care Centered Plans Primary Care Physician (PCP) Designation Referrals Requirement Preventative Wellness Online Member Tools and Mobile Apps Member Support Programs Health & Wellness Programs Benefit Administration No-Fee United Benefit Services (FSA, Pre-Tax, COBRA for 2 99) Pharmacy Dental, Vision, Life, Disability Cost Employer Premium $$$$ $$$ $$$ $$ $$ $ $ $ $ $ Metallic Level Platinum Platinum Platinum, Platinum, Gold Gold Gold, Gold, Gold Gold Gold Gold Gold Silver Silver Silver, Silver, Silver Silver Silver Silver Silver Bronze Bronze Bronze Bronze Bronze Bronze Bronze Bronze Bronze OCI HMO Gold Silver Bronze KEY Best, Most Better, More Good Basic Not available Included 2

3 Virginia Small Group Plan Descriptions Below are more detailed plan descriptions as depicted in the chart on the opposite page. Level of Member Involvement LOW UnitedHealthcare Plus UnitedHealthcare Plus gives members the freedom to see any doctor and visit any facility in our large nationwide network, including specialists, without a referral and without choosing a primary care doctor. If services are received outside of the network, costs will be higher. Plus is a traditional health plan with copayments, coinsurance, deductibles and out-of-pocket maximums. allows members to see any network doctor, including specialists, or visit any network hospital, without needing a referral, however if services are delivered outside of our large national network, the plan will not cover the cost except in an emergency. While a primary care doctor is not mandatory, selecting one is recommended to help manage care. The plan also has copayments, coinsurance, deductibles and out-of-pocket maximums. Level of Member Involvement MODERATE Optimum, Inc. (OCI) Preferred POS Optimum, Inc. (OCI) HMO OCI Preferred is a referral-based plan in which members work closely with a primary care physician for appropriate, cost-effective care. With a strong, local network that includes top facilities and providers, OCI Preferred is available at lower premiums than traditional health plan options. When member receive services provided by an out-of-network doctor, their out-of-pocket costs will be higher. OCI POS includes 100% network wellness coverage and a wellness program with fitness reimbursement, at-home biometric screenings and telephonic health coaching. OCI is a referral-based plan in which members work closely with a primary care physician for appropriate, cost-effective care. With a strong, local network that includes 33,000 physicians, 200 hospitals, and 3,500 retail pharmacies, OCI offers lower premiums than traditional health plan options. If services are delivered outside of our local network, the plan will not cover the cost except in an emergency. OCI includes 100% network wellness coverage and a wellness program with fitness reimbursement, at-home biometric screenings and telephonic health coaching. Level of Member Involvement HIGH UnitedHealthcare Plus UnitedHealthcare OCI Preferred OCI HMO Core Essential Navigate Available with Plus,, OCI Preferred, and OCI HMO this consumer-driven health plan is made up of two parts: a high deductible health plan and a Health Savings Account (). With these plans, you can open and deposit money, before taxes, into an, which is your own personal savings account. Use the money to pay for eligible medical and pharmacy expenses, including your deductible, or save it for future expenses. Core Essential is an open-access health care plan that features a tailored network of health care professionals. Members have the freedom to choose a network physician or specialist without visiting a primary care physician (PCP) for a referral. Core Essential has similar plan designs and features as plans, with a network designed to be more affordable. Members must receive care from network providers for benefits to be covered. There is out-of-network coverage for emergency services only. Navigate offers tailored network coverage for members who obtain a referral from their primary care physician prior to seeing another physician or specialist. Many services are covered including: preventive care, primary care physician and specialty office visits; lab, X-ray and diagnostic services; urgent care, emergency services, inpatient hospital services, rehabilitation and skilled nursing facility services; and mental health services. Non network coverage is not available, except in the case of emergency care. 3

4 Delivering on what employers value most You ll be surprised to learn how many tools UnitedHealthcare offers to help make your job easier. You Value: Comprehensive Benefit Plans UnitedHealthcare Offers: A variety of plan designs ranging from open access to primary care providercentric to consumer-driven and more which can be sold as a package, allowing you to select the options that might work best with your employee population. Integrated Medical and Pharmacy Benefits All products come with our easy-to-use pharmacy benefit. This includes 64,000 network retail pharmacies that are available to you across the country and Mail Order services that can give your employees up to a 90-day supply of their medication(s), often at a lower price than retail and it s delivered to their home with free shipping. Specialty Benefits Attract and retain the best employees by offering more options. UnitedHealthcare is able to offer you a full suite of dental, vision, life and disability products in addition to our medical products. Innovative Employer Tools Employer eservices is designed to save time and money by streamlining online eligibility, enrollment, billing and reporting. Manage virtually every aspect of benefits administration online. 4

5 Delivering on what employees value most What if you could help improve your employees health and well-being, increase productivity and job performance, and increase employee satisfaction and retention all at no additional cost to you? Understanding and identifying the health risks of your employees is the first step in creating a comprehensive wellness strategy that can address behavior change. Your Employees Value: Cost Comparison Tools Mobile Access to Health Care Information Online Health and Wellness Tools UnitedHealthcare Offers: Our myhealthcare Cost Estimator tool provides information on procedures, providers, even estimated prices to encourage choices that increase savings and improve health. The UnitedHealthcare Health4Me mobile app allows employees to find nearby providers, check the status of a claim, see an account balance or speak directly with a nurse. Our myclaims Manager helps your employees better understand their health care benefits, what their plan paid, and what they owe and why. And the Smart Patient app lets employees log health information such as blood pressure, cholesterol and body mass index (BMI), set reminders for medical appointments, use checklists to help them determine what to ask doctors and pharmacists, and more. Rally TM is a fun, interactive health and wellness component of myuhc.com. By harnessing the power of data, social connections and rewards, consumers receive personal lifestyle plans that focus on goals, competition, tracking progress and healthy living all while earning Rally coins. Rally offers a personalized interaction experience with: step-based Challenges, discussion Communities, individual action plans called Missions, health information and more. 24/7 Access to Health Care Guidance Speak with knowledgeable registered nurses 365 days a year 24/7 by phone or online chat to help manage illness or injury as well as maternity education support. Reliable Member Support Health Discount Program* UnitedHealthcare provides tools to help your employees stay healthy at uhcpreventivecare.com to find out which immunizations and screenings are recommended for all family members at different stages of their lives. We send special mailings HealthyeNote Reminders on the topics of Women s Health, Child and Adolescent Immunizations, Coronary Artery Disease and Diabetes to the homes of your employees who we think can benefit from this information. We also offer condition management programs to help members with chronic health issues, such as chronic kidney disease and heart failure enhance self-care, identify warning signs and access resources for assistance, reducing the need for urgent or emergency services. By developing trusted relationships we can reinforce and support physician treatment plans, and help members get the most out of their care encounters. And, all members (not just those in crisis) are able to tap into our Employee Assistance Program (EAP), 24 hours a day, seven days a week, for information to help them make informed decisions about their health and well-being. Our health discount program helps employees and their families typically save 10 to 25 percent on a wide range of health- and wellness-related programs, products and services. Helping employees save money. Discounts are available for the member, spouse and dependents and include access to a robust network of 150,000 health care professionals, facilities and retailers including, popular brands such as Jenny Craig, Nutrisystem, Any Time Fitness, Jazzercise and others. *Components are subject to change. 5

6 Network access We know how important it is to find the right doctor. That s why we offer both a local and a large nationwide network and the UnitedHealth Premium designation program to help you find one. Broad National Network: Our UnitedHealthcare national network provides seamless access to 99 percent of the U.S. population in 96 percent of all U.S. counties. 800,000 doctors UnitedHealth Premium designation program: This program recognizes doctors who meet standards for quality and cost-efficiency. We use evidence-based medicine and national industry guidelines to evaluate quality. The cost-efficiency standards rely on local market benchmarks for the efficient use of resources in providing care. 5,700 hospitals 64,000 pharmacies This program applies to certain specialists and not to all providers. You can search for Premium designated providers within our doctor search tool located at For a complete description of the UnitedHealth Premium designation program, including details on the methodology used, geographic availability, program limitations and medical specialties participating, please visit myuhc.com. *As of 6/30/2015 Virtual Visits No driving. No crowded waiting rooms. See a doctor when you need a doctor. When employees are sick they often miss work. If they are unable to see their own doctor, they may visit an urgent care or emergency department, which can be costly and time-consuming. With virtual visits, employees can see and speak to a doctor 24 hours a day/7 days a week using a mobile device or computer, all from the convenience of their home or office. If needed, a prescription can be sent to their local pharmacy. Virtual visits are integrated into their medical benefits. The virtual visit provider groups we contract with deliver care using live audio and video technology based on quality standards aligned with American Medical Association (AMA) and Federation of State Medical Boards (FSMB) guidelines. 6

7 Awards and recognition At UnitedHealthcare we strive to deliver consistent performance, solid fundamental execution and an innovative approach to health care. We are privileged to be recognized with awards for our work. UnitedHealth Group was the top ranking company in the insurance and managed care sector on Fortune s 2015 World s Most Admired Companies list. This is the fifth straight year UnitedHealth Group ranked No. 1 overall in its sector and the sixth consecutive year the company ranked No. 1 in its sector for innovation. (February 19, 2015) UnitedHealth Group was recognized as one of America s 50 most community-minded companies for 2014 in the Civic 50, and ranked first in the health care industry for the second consecutive year. UnitedHealth Group received the 2014 Best Corporate Steward Large Business award from the U.S. Chamber of Commerce Foundation s Corporate Citizenship Center. For the fourth consecutive year the National Business Group on Health honored UnitedHealth Group with a Platinum award for being named one of the Best Employers for Healthy Lifestyles (2014). Ranked Highest in Customer Satisfaction with Vision and Dental Plans according to the J.D. Power 2014 Vision and Dental Plan Satisfaction Reports. This is the second year in a row UnitedHealthcare has received an award in the Vision Plan Report. For more information, please contact your broker or UnitedHealthcare sales representative. 7

8 For more information, please contact your broker or UnitedHealthcare sales representative. Rally Health provides health and well-being information and support as part of your health plan. It does not provide medical advice or other health services, and is not a substitute for your doctor s care. If you have specific health care needs, consult an appropriate health care professional. Participation in the health survey is voluntary. Your responses will be kept confidential in accordance with the law and will only be used to provide health and wellness recommendations or conduct other plan activities. Disease Management programs and services may vary on a location-by-location basis and are subject to change with written notice. UnitedHealthcare does not guarantee availability of programs in all service areas and provider participation may vary. Certain items may be excluded from coverage and other requirements or restrictions may apply. If you select a new provider or are assigned to a provider who does not participate in the Disease Management program, your participation in the program will be terminated. Self-Funded or Self-Insured Plans (ASO) covered persons may have an additional premium cost. Please check with your employer. Virtual visits are not an insurance product, health care provider or a health plan. Unless otherwise required, benefits are available only when services are delivered through a Designated Virtual Network Provider. Virtual visits are not intended to address emergency or life-threatening medical conditions and should not be used in those circumstances. Services may not be available at all times or in all locations. FORTUNE is a registered trademark of Time, Inc. FORTUNE and Time Inc. are not affiliated with, and do not endorse products or services of UnitedHealth Group. Insurance coverage provided by or through UnitedHealthcare Insurance Company, UnitedHealthcare of the MidAtlantic, MAMSI Life and Health Insurance Company or their affiliates. Health Plan coverage provided by or through Optimum Inc. Administrative services provided by United HealthCare Services, Inc. or their affiliates. The UnitedHealthcare plan with Health Savings Account () is a high deductible health plan (HDHP) that is designed to comply with IRS requirements so eligible enrollees may open a Health Savings Account () with a bank of their choice or through Optum Bank, Member of FDIC. The refers only and specifically to the Health Savings Account that is provided in conjunction with a particular bank, such as Optum Bank, and not to the associated HDHP. Specialty benefits and programs may not be available in all states or for all group sizes. Components subject to change. All UnitedHealthcare members can access a cost estimator online tool at myuhc.com. Depending on your specific benefit plan and the ZIP code that is entered, either the myhealthcare Cost Estimator or the Treatment Cost Estimator will be available. A mobile version of myhealthcare Cost Estimator is available in the Health4Me mobile app, and additional ZIP codes and procedures will be added soon. This tool is not intended to be a guarantee of your costs or benefits. Your actual costs and/or benefits may vary. When accessing the tool, please refer to the Terms and Conditions of Use and Why Your Costs May Vary sections for further information regarding cost estimates. Refer to your health plan coverage document for information regarding your specific benefits. Disclosure: The Health Discount Program is administered by HealthAllies, Inc., a discount medical plan organization. The Health Discount Program is NOT insurance. The discount program provides discounts at certain health care providers for medical services. The discount program does not make payments directly to the providers of medical services. The discount program member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount plan organization. HealthAllies, Inc., is located at P.O. Box 10340, Glendale, CA, 91209, , ohacustomercare@optumhealth.com. The health discount program is offered to existing members of certain products underwritten or provided by UnitedHealthcare Insurance Company or its affiliates to provide specific discounts and to encourage participation in wellness programs. Health care professional availability for certain services may be dependent on licensure, scope of practice restrictions or other requirements in the state. UnitedHealthcare does not endorse or guarantee health products/services available through the discount program. This program may not be available in all states or for all groups. Components subject to change. MT /16 UHC VASG 1-50 Product Capabilities Brochure 2016 United HealthCare Services, Inc D

2016 Massachusetts Small Group (1-50) Health Plan Portfolio

2016 Massachusetts Small Group (1-50) Health Plan Portfolio 2016 Massachusetts Small Group (1-50) Health Plan Portfolio What do you value in a health plan? Businesses today are faced with a lot of difficult decisions. Finding the right health care benefits plan

More information

2017 Rhode Island Small Group (1-50) Health Plan Portfolio.

2017 Rhode Island Small Group (1-50) Health Plan Portfolio. 2017 Rhode Island Small Group (1-50) Health Plan Portfolio. What do you value in a health plan? Businesses today are faced with a lot of difficult decisions. Finding the right health care benefits plan

More information

2018 Maine Small Group (1-50) Health Plan Portfolio.

2018 Maine Small Group (1-50) Health Plan Portfolio. 2018 Maine Small Group (1-50) Health Plan Portfolio. What do you value in a health plan? Businesses today are faced with a lot of difficult decisions. Finding the right health care benefits plan should

More information

2018 Rhode Island Small Group (1 50) Health Plan Portfolio.

2018 Rhode Island Small Group (1 50) Health Plan Portfolio. 2018 Rhode Island Small Group (1 50) Health Plan Portfolio. What do you value in a health plan? Businesses today are faced with a lot of difficult decisions. Finding the right health care benefits plan

More information

Welcome to everything you value in a health plan.

Welcome to everything you value in a health plan. Welcome to everything you value in a health plan. Connecticut Small Group (1 50) Health Plan Portfolio Effective Jan. 1, 2018 Health plans to fit your needs. Our Oxford portfolio includes a wide range

More information

2018 Connecticut Large Group (51+) Health Plan Portfolio

2018 Connecticut Large Group (51+) Health Plan Portfolio 2018 Connecticut Large Group (51+) Health Plan Portfolio What do you value in a health plan? Businesses today are faced with a lot of difficult decisions. Finding the right health plan should not be one

More information

UnitedHealthcare OPTIMUM CHOICE HMO PLAN with a HEALTH SAVINGS ACCOUNT

UnitedHealthcare OPTIMUM CHOICE HMO PLAN with a HEALTH SAVINGS ACCOUNT Medical UnitedHealthcare OPTIMUM CHOICE HMO PLAN PLAN FEATURES } A referral-based plan where you work closely with your primary care physician for appropriate, cost-effective care } A strong local network

More information

Get to know your benefits. Bristol-Myers Squibb 2018 Benefits Guide. Annual Enrollment is OCTOBER 23RD NOVEMBER 10TH, 2017 welcometouhc.

Get to know your benefits. Bristol-Myers Squibb 2018 Benefits Guide. Annual Enrollment is OCTOBER 23RD NOVEMBER 10TH, 2017 welcometouhc. Get to know your benefits. Bristol-Myers Squibb 2018 Benefits Guide Annual Enrollment is OCTOBER 23RD NOVEMBER 10TH, 2017 welcometouhc.com/bms Knowing your benefits helps you make more informed choices.

More information

Get to know your benefits. State of Florida 2018 Benefits Guide. welcometouhc.com/florida

Get to know your benefits. State of Florida 2018 Benefits Guide. welcometouhc.com/florida Get to know your benefits. State of Florida 2018 Benefits Guide welcometouhc.com/florida Knowing your benefits helps you make more informed choices. By understanding your benefits, you can select the coverage

More information

CHOICE PLUS PLAN. UnitedHealthcare. with a HEALTH REIMBURSEMENT ACCOUNT PLAN FEATURES. Medical. You can choose any doctor or hospital you want.

CHOICE PLUS PLAN. UnitedHealthcare. with a HEALTH REIMBURSEMENT ACCOUNT PLAN FEATURES. Medical. You can choose any doctor or hospital you want. Medical UnitedHealthcare CHOICE PLUS PLAN with a HEALTH REIMBURSEMENT ACCOUNT welcometouhc.com Find a network doctor. Choose with confidence. Our UnitedHealth Premium designation program recognizes physicians

More information

WPS HealthyChoices Group Guide. Effective January 1, Be Happy. Live Healthy.

WPS HealthyChoices Group Guide. Effective January 1, Be Happy. Live Healthy. WPS HealthyChoices Group Guide Effective January 1, 2015 Be Happy. Live Healthy. Table of Contents: Introduction 2 Choose 4 Save 5 Control 6 Covered Benefits 7 2 With high-quality coverage, affordable

More information

Oregon 2 50 Employees Effective 7/01/10. UnitedHealthcare Multi-Choice SM Health care plans that fit your business

Oregon 2 50 Employees Effective 7/01/10. UnitedHealthcare Multi-Choice SM Health care plans that fit your business Oregon 2 50 Employees Effective 7/01/10 UnitedHealthcare Multi-Choice SM Health care plans that fit your business California 5 50 Employees Effective 2/1/2011 Just as your business is unique, your health

More information

Kyrene Employee Benefits Trust. Get benefits that make it easier to focus on your health, not your health care.

Kyrene Employee Benefits Trust. Get benefits that make it easier to focus on your health, not your health care. Kyrene Employee Benefits Trust Get benefits that make it easier to focus on your health, not your health care. HEALTH BENEFITS 7/1/17 What We Will Cover Today 1 Premium Plan 2 3 4 Standard Plan Base Plan

More information

MORE FOR YOUR BUSINESS

MORE FOR YOUR BUSINESS MORE FOR YOUR BUSINESS A nonprofit independent licensee of the Blue Cross Blue Shield Association MORE FOR YOUR BUSINESS thanks to the power of Blue As health care continues to change, we ll be here to

More information

Benefits Overview Open Enrollment

Benefits Overview Open Enrollment Benefits Overview 2017 Open Enrollment Benefits Overview Medical and Rx benefits 2 plans now being offered Choice Plus PPO In-Network Cost Deductible $750 Individual/$1,500 Family $20 Doctor Visit Co-Pay

More information

Low cost, high quality: It s what you get when you focus on what counts.

Low cost, high quality: It s what you get when you focus on what counts. Low cost, high quality: It s what you get when you focus on what counts. Connecticut Introducing Primary Advantage SM When it comes to health care coverage options, your first choice should be the one

More information

CONSUMER DRIVEN HEALTH PLAN with a HEALTH REIMBURSEMENT ACCOUNT

CONSUMER DRIVEN HEALTH PLAN with a HEALTH REIMBURSEMENT ACCOUNT CDHP it s about ME CONSUMER DRIVEN HEALTH PLAN with a HEALTH REIMBURSEMENT ACCOUNT Everyone has dierent health care needs depending on where they are in life and their priorities. What is important to

More information

Get to know your benefits. Broward County Government 2018 Benefits Guide. welcometouhc.com

Get to know your benefits. Broward County Government 2018 Benefits Guide. welcometouhc.com Get to know your benefits. Broward County Government 2018 Benefits Guide welcometouhc.com Knowing your benefits helps you make more informed choices. By understanding your benefits, you can select the

More information

WPS Individual Preferred Plans. Effective January 1, Be Happy. Live Healthy.

WPS Individual Preferred Plans. Effective January 1, Be Happy. Live Healthy. WPS Individual Preferred Plans Effective January 1, 2015 Be Happy. Live Healthy. Here for you and your peace of mind A good health plan is more than protection for your health and financial security. It

More information

Annual Benefits Enrollment is October 3 14, 2016.

Annual Benefits Enrollment is October 3 14, 2016. John Deere and You: Annual Benefits Enrollment for 2017 John Deere is committed to providing comprehensive, valuable, and affordable benefits to you and your family through our Healthy Directions program.

More information

About our plans. Making sense of Anthem Blue Cross new Affordable Care Act-compliant products

About our plans. Making sense of Anthem Blue Cross new Affordable Care Act-compliant products About our plans Making sense of Anthem Blue Cross new Affordable Care Act-compliant products The Affordable Care Act (ACA) is transforming the health care marketplace. We re here to help you and your clients

More information

About our plans. Making sense of Anthem Blue Cross new Affordable Care Act-compliant products

About our plans. Making sense of Anthem Blue Cross new Affordable Care Act-compliant products About our plans Making sense of Anthem Blue Cross new Affordable Care Act-compliant products The Affordable Care Act (ACA) is transforming the health care marketplace. We re here to help you and your clients

More information

Take control of your health with CIGNA

Take control of your health with CIGNA Take control of your health with CIGNA Only CIGNA offers: More than $500 in incentive rewards up to $275 for individuals and $550 for SHBP subsribers and their covered spouses who participate in our health

More information

Rocky Mountain View INDIVIDUAL & FAMILY PLANS

Rocky Mountain View INDIVIDUAL & FAMILY PLANS Rocky Mountain View INDIVIDUAL & FAMILY PLANS WHEN IT COMES TO HEALTH INSURANCE, WE KNOW WHAT MATTERS MOST: YOU. No one plans to be sick or injured, but if something happens, we want you to remain in control

More information

UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide

UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide Tips for Healthy Saving and Spending CHOOSE HEALTH. SPEND WISELY. We are committed to offering you a comprehensive benefits program

More information

COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948

COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948 PLAN YEAR 2019 COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948 POWERED BY compassrosebenefits.com 1 WELCOME WE ARE HERE TO HELP YOU SOLVE THE COMPLEXITIES OF INSURANCE PLAN HIGHLIGHTS COMPASS

More information

Introducing the benefits of the HDHP. Get the most out of the High Deductible Health Plan

Introducing the benefits of the HDHP. Get the most out of the High Deductible Health Plan Introducing the benefits of the HDHP Get the most out of the High Deductible Health Plan HDHP Comparing the HDHP to Lehigh s other health plan offerings. There are many similarities between the HDHP and

More information

New West Focus 2016 INDIVIDUAL & FAMILY PLANS. MK649-A-R08/05/15þ

New West Focus 2016 INDIVIDUAL & FAMILY PLANS. MK649-A-R08/05/15þ New West Focus 2016 INDIVIDUAL & FAMILY PLANS MK649-A-R08/05/15þ New West Focus Rocky Mountain Health Plans is Colorado-based and Colorado-focused. We were founded in Grand Junction more than 40 years

More information

FOREIGN SERVICE BENEFIT PLAN

FOREIGN SERVICE BENEFIT PLAN FOREIGN SERVICE BENEFIT PLAN Summary of 2017 Benefits Health Plan Accredited by The FOREIGN SERVICE BENEFIT PLAN has Health Plan Accreditation from the Accreditation Association for Ambulatory Healthcare,

More information

Humana, Healthcare Reform and You What you need to know

Humana, Healthcare Reform and You What you need to know Humana, Healthcare Reform and You What you need to know About Humana Headquartered in Louisville, KY Over 50 years experience in the health industry Diverse portfolio of products Over 12.1 million medical

More information

Plan Guide Mississippi. Plans Effective July 1, 2010 For businesses with up to 50 employees

Plan Guide Mississippi. Plans Effective July 1, 2010 For businesses with up to 50 employees Plan Guide Mississippi Plans Effective July 1, 2010 For businesses with up to 50 employees Why choose UnitedHealthcare? Better information alerts individuals and their doctors of health risks or opportunities

More information

Changes for Connecticut Employers Renewing on or after Jan. 1, 2014

Changes for Connecticut Employers Renewing on or after Jan. 1, 2014 Changes for Connecticut Employers Renewing on or after Jan. 1, 2014 As you know, many of the Affordable Care Act (ACA) provisions are being implemented on Jan. 1, 2014 and all Connecticut small group (1-50)

More information

John Deere and You: 2017 Benefits Enrollment for New Employees

John Deere and You: 2017 Benefits Enrollment for New Employees John Deere and You: 2017 Benefits Enrollment for New Employees Congratulations on joining John Deere and welcome to the Healthy Directions benefit program. Healthy Directions has three essential components

More information

Individual & Family Plans Insured by Connecticut General Life Insurance Company. Cigna Health Savings Plans for Tennessee. medical & b 12/12

Individual & Family Plans Insured by Connecticut General Life Insurance Company. Cigna Health Savings Plans for Tennessee. medical & b 12/12 Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Health Savings Plans for Tennessee medical & PHARMACY INSURANCE for a VERY UNIQUE INDIVIDUAL. YOU. 858437 b 12/12 Services

More information

Glossary of Terms. Adjudication: The way a health plan decides how much it will pay for certain expenses.

Glossary of Terms. Adjudication: The way a health plan decides how much it will pay for certain expenses. Page 1 Glossary of Terms Adjudication: The way a health plan decides how much it will pay for certain expenses. Affordable Care Act (ACA): The comprehensive health care reform law enacted in March 2010.

More information

FEEL BETTER ABOUT YOUR CHOICES

FEEL BETTER ABOUT YOUR CHOICES 2015 FEEL BETTER ABOUT YOUR CHOICES CHOOSE WELLCARE. CHOOSE A PLAN TO FIT YOUR NEEDS. Information on individual and family plans inside. Kentucky Boone, Bullitt, Campbell, Clay, Harlan, Jefferson, Jessamine,

More information

Guide to the Health Investment Option with Health Savings Account (HSA) Make the most of your Fordham medical benefits, all year round

Guide to the Health Investment Option with Health Savings Account (HSA) Make the most of your Fordham medical benefits, all year round Guide to the Health Investment Option with Health Savings Account (HSA) Make the most of your Fordham medical benefits, all year round Fordham cares about your health and is committed to helping you make

More information

Individual & Family Plans Insured by Connecticut General Life Insurance Company. Cigna Open Access Plans for TEXAS ONE-AND-ONLY.

Individual & Family Plans Insured by Connecticut General Life Insurance Company. Cigna Open Access Plans for TEXAS ONE-AND-ONLY. Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Plans for TEXAS medical & PHARMACY INSURANCE with the ONE-AND-ONLY YOU IN MIND. 858482 a 05/13 Services with you in

More information

Guide to the Enhanced Standard Option with Health Reimbursement Account (HRA) Make the most of your Fordham medical benefits, all year round

Guide to the Enhanced Standard Option with Health Reimbursement Account (HRA) Make the most of your Fordham medical benefits, all year round Guide to the Enhanced Standard Option with Health Reimbursement Account (HRA) Make the most of your Fordham medical benefits, all year round Fordham cares about your health and is committed to helping

More information

Having a plan designed to work for you.

Having a plan designed to work for you. YOUR ADVANTAGE: Having a plan designed to work for you. Northwestern University Post- 65 Retiree 2018 Benefit Plans Y0066_170927_092703 Proprietary information of UnitedHealth Group. Do not distribute

More information

Rocky Mountain. Monument Health 2016 INDIVIDUAL & FAMILY PLANS. MK843-A-R08/13/15þ

Rocky Mountain. Monument Health 2016 INDIVIDUAL & FAMILY PLANS. MK843-A-R08/13/15þ Rocky Mountain 2016 INDIVIDUAL & FAMILY PLANS MK843-A-R08/13/15þ Rocky Mountain Rocky Mountain Health Plans is Colorado-based and Colorado-focused. We were founded in Grand Junction more than 40 years

More information

A Quick Look at Your Health Plan

A Quick Look at Your Health Plan A Quick Look at Your Health Plan Baer s Furniture Company, Inc. Group #15901 When you enroll with, you re taking the next step towards a healthier, more balanced you. It s important for you to understand

More information

Decision Guide Regence Medicare Advantage HMO Plan

Decision Guide Regence Medicare Advantage HMO Plan 2016 Decision Guide Regence Medicare Advantage HMO Plan Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association

More information

Simple Benefits Guide. Personal. Empowering. An easy-to-use guide to understanding your UnitedHealthcare benefits offered by City of Villa Rica.

Simple Benefits Guide. Personal. Empowering. An easy-to-use guide to understanding your UnitedHealthcare benefits offered by City of Villa Rica. 2015 Benefits Guide Simple. Personal. Empowering. An easy-to-use guide to understanding your UnitedHealthcare benefits offered by City of Villa Rica. What's Inside: Introduction...2 Health plan benefit

More information

Asuris Northwest Health Medicare Advantage PPO Plans. Decision Guide

Asuris Northwest Health Medicare Advantage PPO Plans. Decision Guide 2016 Northwest Health Medicare Advantage PPO Plans Decision Guide STEP-BY-STEP STEP 1 STEP 2 STEP 3 STEP 4 READ. Learn about all the programs and benefits you can enjoy as an Northwest Health member. This

More information

BISON FLEX PPO HEALTH INSURANCE POLICY

BISON FLEX PPO HEALTH INSURANCE POLICY BISON FLEX PPO HEALTH INSURANCE POLICY This document provides a brief overview of the benefits offered under the Colorado HealthOP Bison Flex PPO Health Insurance Policy. Full information is available

More information

YOUR HEALTH, YOUR CHOICE

YOUR HEALTH, YOUR CHOICE 2017 OPEN ENROLLMENT IMPORTANT INFORMATION YOUR HEALTH, YOUR CHOICE» CHOICEPLUS MEDICAL FOR 2017, NORFOLK SOUTHERN will continue offering two medical options, both of which allow eligible participants

More information

What to Know About Your Health Plan

What to Know About Your Health Plan What to Know About Your Health Plan 1 Given the ever changing nature of health care, it s no surprise many people have a diffcult time understanding their health benefts. However, learning the basics of

More information

UnitedHealthcare EDGE

UnitedHealthcare EDGE SM UnitedHealthcare EDGE UnitedHealthcare is committed to improving the health care system. We believe that begins with providing access to quality care and information to empower your employees to make

More information

for Individuals and Families LIVE LIFE ASSURED

for Individuals and Families LIVE LIFE ASSURED for Individuals and Families LIVE LIFE ASSURED Options as unique as you Coverage that s all yours Health Tradition for Individuals is designed for people who may not have access to a group or employer

More information

Group Medicare Plans at a Glance

Group Medicare Plans at a Glance GROUP MEDICARE PLANS Group Medicare Plans at a Glance for Employer Groups 2015 Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org mkt-grpmedplansbro-1014 Coverage You Know and Trust If you

More information

Health Plan Shopping Guide

Health Plan Shopping Guide Health Plan Shopping Guide Use this guide to help you choose a health insurance plan through the Massachusetts Health Connector. Step 1: Know which plans you qualify for First, you ll need to know which

More information

Chapter 1: What is the Affordable Care Act?

Chapter 1: What is the Affordable Care Act? Chapter 1: What is the Affordable Care Act? The Affordable Care Act (ACA), also known as Obamacare, is a law that aims to help millions of Americans secure health insurance. Many individuals still are

More information

2017 Open Enrollment is October 31 November 18, 2016

2017 Open Enrollment is October 31 November 18, 2016 Non-Union Support Staff and Local 2110 2017 Open Enrollment is October 31 November 18, 2016 Your Columbia University Benefits As a member of Non-Union Support Staff or Local 2110, you can take advantage

More information

2019 Open Enrollment. Presented by Araceli Cosio, Filice Insurance

2019 Open Enrollment. Presented by Araceli Cosio, Filice Insurance 2019 Open Enrollment Presented by Araceli Cosio, Filice Insurance Introduction Open Enrollment is your annual opportunity to make benefit election changes without a qualifying event. During open enrollment

More information

COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948

COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948 PLAN YEAR 2018 COMPASS ROSE HEALTH PLAN PROTECTING OUR MEMBERS SINCE 1948 POWERED BY compassrosebenefits.com 1 WELCOME WE ARE HERE TO HELP YOU SOLVE THE COMPLEXITIES OF INSURANCE PLAN HIGHLIGHTS COMPASS

More information

CARECOUNSEL TIPS SELECTING A HEALTH PLAN. Step 1: Gather Basic Information. Step 2: Assess Your Needs

CARECOUNSEL TIPS SELECTING A HEALTH PLAN. Step 1: Gather Basic Information. Step 2: Assess Your Needs SELECTING A HEALTH PLAN Choosing between health plans is no longer a simple matter. As a healthcare consumer, it s important that you educate yourself about the various health plans available to you. You

More information

2018 State Health Benefits Plan Annual Open Enrollment (OE)

2018 State Health Benefits Plan Annual Open Enrollment (OE) 1 Date: October 2017 2018 State Health Benefits Plan Annual Open Enrollment (OE) Presentation to Active Employees Making Your 2018 Benefit Election Website Open & Close Dates Website opens at 12:00 a.m.

More information

BE READY FOR ANYTHING

BE READY FOR ANYTHING BE READY FOR ANYTHING Learn What You Need to Know About Your 2019 Highmark Blue Cross Blue Shield Delaware Coverage Options Benefit Period: January 1 to December 31, 2019 2019 HEALTH INSURANCE 2 CONNECTING

More information

Health Care Coverage You Need. A Company You Know.

Health Care Coverage You Need. A Company You Know. Health Care Coverage You Need. A Company You Know. 2018 Call 800-531-4456, visit bcbstx.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,

More information

CARING FOR YOUR SMALL BUSINESS. Off-Exchange 2018 Plans and Services for Groups With Up to 100 Employees

CARING FOR YOUR SMALL BUSINESS. Off-Exchange 2018 Plans and Services for Groups With Up to 100 Employees CARING FOR YOUR SMALL BUSINESS Off-Exchange 2018 Plans and Services for Groups With Up to 100 Employees SMALL GROUP PLANS AT A GLANCE EmblemHealth offers small group plans with the needs and budgets of

More information

Foreign Service Benefit Plan

Foreign Service Benefit Plan Foreign Service Benefit Plan Summary of 2018 Benefits Health Plan Accredited by The FOREIGN SERVICE BENEFIT PLAN has Health Plan Accreditation from the Accreditation Association for Ambulatory Healthcare,

More information

What is Group Medicare Advantage PPO?

What is Group Medicare Advantage PPO? What is Group Medicare Advantage PPO? Current Group Medicare Advantage HMO Group Medicare Advantage PPO Value to Medicare eligible retirees Geographic availability Defined Service Area Only 22 counties

More information

Live it 2019 Aetna Federal Plans

Live it 2019 Aetna Federal Plans Live it 2019 Aetna Federal Plans The health plan that gets you 19.02.319.1-FED E (9/18) aetnafeds.com From the comfort of your home. Getting in touch is easier than ever. Whether it s a health plan question

More information

HEALTH INSURANCE POLICY

HEALTH INSURANCE POLICY BIGHORN HSA QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN EPO HEALTH INSURANCE POLICY This document provides a brief overview of the benefits offered under the Colorado HealthOP Bighorn HSA Qualified High Deductible

More information

AN INDIVIDUAL S guide to THE. Right Health Insurance

AN INDIVIDUAL S guide to THE. Right Health Insurance AN INDIVIDUAL S guide to THE Right Health Insurance TURN TO The right health insurance. Right now. To find the health insurance that s right for you, begin by asking yourself one simple question: What

More information

John Deere and You: 2018 Annual Benefits Enrollment. For Salaried Employees

John Deere and You: 2018 Annual Benefits Enrollment. For Salaried Employees John Deere and You: 2018 Annual Benefits Enrollment For Salaried Employees The Healthy Directions program provides comprehensive, valuable, and affordable benefits to help you and your family live well.

More information

Adobe 2014 Aetna Medical Plans

Adobe 2014 Aetna Medical Plans Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Adobe 2014 Aetna Medical Plans 2012 Aetna 2014 Medical Plan Options Aetna HealthSave (HSA) new for 2014 Aetna

More information

2016 Individual & Family

2016 Individual & Family 2016 Individual & Family Health Insurance Plans 1506 MK 0022 07/15 Underwritten by QCA Health Plan, Inc. The Quality Choice for Individual & Family Plans We know that choosing a healthcare plan can be

More information

Welcome. Get the most out of your benefits.

Welcome. Get the most out of your benefits. Welcome. Get the most out of your benefits. The Oxford Benefit Management guide to dental, vision and life benefits, health discounts and more. Oxford Benefit Management guide What s inside: 3 Welcome

More information

TAKING CARE OF. HEALTH CARE GHI FEHB Standard and High Option Plans for Federal Employees and Retirees

TAKING CARE OF. HEALTH CARE GHI FEHB Standard and High Option Plans for Federal Employees and Retirees TAKING CARE OF HEALTH CARE GHI FEHB Standard and High Option Plans for Federal Employees and Retirees 2018 As one of the nation s largest nonprofit health insurers, EmblemHealth offers quality, affordable

More information

Medicare Notebook. Helping you make sense of Medicare

Medicare Notebook. Helping you make sense of Medicare Medicare Notebook Helping you make sense of Medicare Hello! Welcome to your Medicare Notebook Whether you re looking for a change or are new to Medicare, this handy guide gives you clear information, helpful

More information

live. work. play. healthier. together.

live. work. play. healthier. together. Kaiser Permanente See how our care and coverage can help you thrive live. work. play. healthier. together. 2017 Open Enrollment Presentation for State of Colorado Copyright 2016 Kaiser Permanente. Today

More information

LEARN. Your guide to health insurance

LEARN. Your guide to health insurance LEARN Your guide to health insurance Table of Contents Why health insurance is important...1 How the Affordable Care Act affects you...2 See if you may qualify for a subsidy...4 Types of health plans...6

More information

Health Benefits Program

Health Benefits Program Department of Defense Nonappropriated Fund Health Benefits Program What s new in 2017 with your Health Benefits Program DoD NAF Open Enro lment: November 7 December 2, 2016 Learn about updates to your

More information

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience.

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience. 2017 Plans Overview Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience. Great Medical Care Great Oscar Experience Access

More information

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience.

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience. 2017 Plans Overview Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience. Great Medical Care Access to the best: Our healthcare

More information

Health Care Coverage You Need. A Company You Know.

Health Care Coverage You Need. A Company You Know. Health Care Coverage You Need. A Company You Know. 2018 Call 800-477-2000, visit bcbsil.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,

More information

Fordham University Benefits Open Enrollment Overview for Local 153

Fordham University Benefits Open Enrollment Overview for Local 153 Fordham University 2018 Benefits Open Enrollment Overview for Local 153 What We ll Cover Medical Plan Options A Closer Look at the Enhanced Standard Option A Closer Look at the Health Investment Option

More information

Health Savings Account (HSA) Plan User Guide

Health Savings Account (HSA) Plan User Guide Page 1 Health Savings Account (HSA) Plan User Guide Welcome to Symantec s Health Savings Account (HSA) Plan You ve enrolled in the Health Savings Account (HSA) Plan, a medical plan option that represents

More information

MolinaMarketplace.com. Quality health care you deserve

MolinaMarketplace.com. Quality health care you deserve ! W tes NE r ra we lo Quality health care you deserve Health care made simple Get a plan that s good for you and your budget From preventive to emergency care, with Molina, you have more choices. And a

More information

Take charge of your health

Take charge of your health Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Take charge of your health Choose Aetna, choose affordable coverage The information you need to choose quality

More information

Ensuring your health Health Plans for Oregon Individuals and Families

Ensuring your health Health Plans for Oregon Individuals and Families Ensuring your health 2019 Health Plans for Oregon Individuals and Families At your service The PacificSource difference is our exceptional customer service. We re focused on making health insurance easier

More information

Department of Defense Nonappropriated Fund Health Benefits Program. Get Ready. To Enroll

Department of Defense Nonappropriated Fund Health Benefits Program. Get Ready. To Enroll Department of Defense Nonappropriated Fund Health Benefits Program Get Ready To Enroll DoD NAF Open Enrollment: November 7 December 2, 2016 Get prepared for Open Enrollment During Open Enrollment, November

More information

Plan Guide Louisiana. Plans Effective July 1, 2010 For businesses with up to 50 employees

Plan Guide Louisiana. Plans Effective July 1, 2010 For businesses with up to 50 employees Plan Guide Louisiana Plans Effective July 1, 2010 For businesses with up to 50 employees Why choose UnitedHealthcare? Better information alerts individuals and their doctors of health risks or opportunities

More information

We ve Got You Covered.

We ve Got You Covered. We ve Got You Covered. 2018 U.S. Health & Welfare Annual Enrollment November 6-17, 2017 UNDER ROOF The Newell Brands family is under one roof with a new benefits program for 2018. Here are the many valuable

More information

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience.

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience. 2017 Plans Overview Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience. Great Medical Care Great Oscar Experience Access

More information

Anthem Blue Cross Your Plan: Value HMO 30/40/500/3 day Your Network: Priority Select HMO

Anthem Blue Cross Your Plan: Value HMO 30/40/500/3 day Your Network: Priority Select HMO Anthem Blue Cross Your Plan: Value HMO 30/40/500/3 day Your : Priority Select HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary

More information

Health Care Coverage You Need. A Company You Know.

Health Care Coverage You Need. A Company You Know. Health Care Coverage You Need. A Company You Know. 2018 Call 855-593-1515, visit www.bcbsmt.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,

More information

Innovation Health Plan Guide

Innovation Health Plan Guide Innovation Health Plan Guide For businesses with 51 100 eligible employees Plans effective January 1, 2014 innovation-health.com 71.02.302.1-IH (11/13) Team up with us for the health of your business.

More information

Yes, written or oral approval is required, based upon medical policies.

Yes, written or oral approval is required, based upon medical policies. This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.uhc.com/calpers or by calling 1-877-359-3714. Important

More information

Harvard Pilgrim s. Maine s Choice HMO. Quality. Savings. Choice.

Harvard Pilgrim s. Maine s Choice HMO. Quality. Savings. Choice. Harvard Pilgrim s Maine s Choice HMO SM Quality. Savings. Choice. Get more out of your health plan with Maine s Choice SM HMO* Harvard Pilgrim Health Care is partnering with leading doctors and health

More information

2014 BENEFITS HIGHLIGHTS. It s all about choices. And you.

2014 BENEFITS HIGHLIGHTS. It s all about choices. And you. 2014 BENEFITS HIGHLIGHTS It s all about choices. And you. 2 What s new for 2014 Katy ISD s 2014 annual enrollment is almost here. This means it s a good time to begin learning about your options as you

More information

The Affordable Care Act

The Affordable Care Act The Affordable Care Act Employers Guide to 2015 and Beyond For Small Groups Summary Jan. 1, 2014, ushered in new Affordable Care Act (ACA) health insurance market reforms. These changes are impacting the

More information

CALIFORNIA Healthy coverage for your employees. Healthy savings for your business.

CALIFORNIA Healthy coverage for your employees. Healthy savings for your business. CALIFORNIA Healthy coverage for your employees. Healthy savings for your business. Kaiser Permanente HSA-qualified deductible HMO plans for large groups manage costs by empowering employees Support your

More information

OPEN ENROLLMENT April 28 through May 16, 2008

OPEN ENROLLMENT April 28 through May 16, 2008 New Directions for VOLUME 5 NUMBER 3 MCPS Retirees OPEN ENROLLMENT 2008 OPEN ENROLLMENT April 28 through May 16, 2008 IN THIS ISSUE: Retiree Open Enrollment Announcement Vendor Health Fairs Engaging Retirees

More information

Annual enrollment is Oct. 30 Nov. 10

Annual enrollment is Oct. 30 Nov. 10 Annual enrollment is Oct. 30 Nov. 10 Choices as unique as you are It s your chance to change your benefits for 2018. To get started, use the benefits checklist inside. More information will be provided

More information

Your Kaiser Permanente Group Guide to Medicare

Your Kaiser Permanente Group Guide to Medicare Group Medicare Basics Brochure 2018 Your Kaiser Permanente Group Guide to Medicare Plus: What our plans can offer you Kaiser Permanente Senior Advantage (HMO) Kaiser Permanente Medicare Plus (Cost) Stay

More information

A QUICK START GUIDE GETTING THE MOST 2019 PREMIER GOLD 1000

A QUICK START GUIDE GETTING THE MOST 2019 PREMIER GOLD 1000 A QUICK START GUIDE GETTING THE MOST F R O M YO U R C OV E R AG E 2019 PREMIER GOLD 1000 5 STEPS TO G E T S TA R T E D Welcome to Tufts Health Plan, where we believe the journey to better health should

More information

Let s Talk Benefits. Starting the. conversation. Lost 10 pounds. Quit smoking. Needs braces. Learned to ride a bike.

Let s Talk Benefits. Starting the. conversation. Lost 10 pounds. Quit smoking. Needs braces. Learned to ride a bike. Let s Talk Benefits Quit smoking Lost 10 pounds Needs braces Learned to ride a bike Had an eye exam Starting the benefits conversation Plan Year 2017 Table of Contents Welcome... 2 YOUR 2017 BENEFITS Who

More information