TRS Medical Insurance Changes

Size: px

Start display at page:

Download "TRS Medical Insurance Changes"

Janice Melton
5 years ago
Views:

1 TRS Medical Insurance Changes

2 Plan Design Changes

3 Plan Design Changes HD In-Network Deductible increased $2,500 to $2,750 for individual, and $5,000 to $5,500 for family. HD Out-of-Network out of pocket increased from $5,000 to $5,500 for individual, and $10,000 to $11,000 for family. Out-of-Network out of pocket increased for all three plans. HD - $6,650 individual, $13,300 family, Select - $7,350 individual, $14,700 family, Care 2 $7,350 individual, $14,700 family. ER Copay increased on Select and Care 2 plan from $200 to $250. Free Standing ER on all three plans - $500 copay plus 20%

4 New Medical Rates Semi-monthly Rates (per check) 1 HD Select Care 2 $58.50 $ $ Spouse $ $ $ Child $ $ $ $ $ $ Pooling $ $ $ Split $ $ $423.50

5 1 HD Plan Plan Design Deductible $2750 $5500 Out-of-Pocket Max $6650 $13300 Coinsurance Office Visits Labs $40 copay $40 copay Radiology Hospitalization Emergency Room Pharmacy Preventative Care Teladoc

6 Health Savings Account (HSA) Only available with High Deductible Individual can contribute $3450 a year coverage can contribute $6850 Amount available as you contribute per paycheck Unused funds rollover from year to year

7 Select Plan Plan Design (In-Network Only) Deductible $1200 $3600 Out-of-Pocket Max $7350 $14,700 Coinsurance Office Visits $30 Primary / $70 Specialist $30 Primary / $70 Specialist 100 % through Quest 100 % through Quest Preventative Care Teladoc $100 copay plus $100 copay plus Hospitalization $150 copay per day plus 20% $150 copay per day plus 20% Emergency Room $250 copay per day plus 20% $250 copay per day plus 20% $20 Generic / $40 Preferred Brand $20 Generic / $40 Preferred Brand Labs Radiology Pharmacy

s living in Galveston or Brazoria County will be enrolled in Kelsey

8 Select plan Options s living in Harris, Montgomery, or Fort Bend County can now choose to enroll in Memorial Hermann or Kelsey Seybold Select. s living in Galveston or Brazoria County will be enrolled in Kelsey Seybold Select. s outside these County s will be enrolled in Open Access Select PPO.

9 Care 2 Plan Design Deductible $1000 $3000 Out-of-Pocket Max $7350 $14,700 Coinsurance Office Visits $30 Primary / $70 Specialist $30 Primary / $70 Specialist 100 % through Quest 100 % through Quest Preventative Care Teladoc $100 copay plus $100 copay plus Hospitalization $150 copay per day plus 20% $150 copay per day plus 20% Emergency Room $250 copay per day plus 20% $250 copay per day plus 20% $20 Generic / $60 Preferred Brand $20 Generic / $60 Preferred Brand Labs Radiology Pharmacy

Aetna website www.trsactivecareaetna.com Register on Aetna Navigator to view claims.

10 Aetna website Register on Aetna Navigator to view claims. Print temporary ID cards. Find a Doctor or Facility Review plan options and recommendations with Alex.

11 Medical Flexible Spending Maximum contribution is $2600 a year Amount is available up front Use it or lose it Dependent Care Available for children 13 or younger Maximum contribution $5000 a year Only available as you contribute per check Use it or lose it

12 Cost savings HD vs Select Semi-monthly Rates (per check) 1 HD Select Difference $58.50 $ $ Spouse $ $ $ Child $ $ $87.50 $ $ $ Semi-monthly Rates (per year) 1 HD Select Difference $58.50 $ $ Spouse $ $ $ Child $ $ $ $ $ $

13 Cost savings HD vs care Semi-monthly Rates (per check) 1 HD Care 2 Difference $58.50 $266 $ Spouse $ $ $410 + Child $ $ $ $ $ $ Semi-monthly Rates (per year) 1 HD Care 2 Difference $58.50 $266 $ Spouse $ $ $ Child $ $ $ $ $ $

14 Options Switch plans Enroll in a HD plan Enroll a portion of savings in HSA plan Enroll a portion of savings in Flexible Spending

15 Questions

TRS MEDICAL INSURANCE CHANGES

2017-2018 TRS MEDICAL INSURANCE CHANGES PLAN DESIGN CHANGES 2017 2018 PLAN DESIGN CHANGES HD Out-of-Network Deductible increased $2,500 to $5,000 for individual, and $5,000 to $10,000 for family. HD Out-of-Network