Welcome to FreedomCare

Transcription

1 Welcome to FreedomCare

2 Welcome to FreedomCare How you define your family s health may also include what is healthy for your budget. We recognize that all families are different and each have their own unique needs. This is why we provide Affordable Care Act compliant plans that can help your family stay healthy while keeping your financial health on the right track as well. With FreedomCare, you choose the path that gets you closer to your health goals. Whether your goal is getting healthy, staying healthy or lowering out of pocket costs at doctor s visits, we have coverages that will work hard for you! To help you achieve these goals, we have detailed the following information in this guide: An overview of your benefits. Options for you and your family such as: - Hospital Plans - Accident Plans - Dental Plans - Life Insurance How to get discounts on your prescriptions. How to access a doctor anytime, anywhere at no cost to you. Where to find more information regarding your employer-sponsored benefits. FreedomCare Easy Enroll Guide Page 1

3 Offer of Employer-Sponsored Health Coverage The Affordable Care Act created an Individual Mandate that requires all U.S. Citizens to have health insurance or pay a penalty. The employer-sponsored health coverage being offered to you and your dependents satisfies the Individual Mandate. You, as an eligible employee, and your dependents are being offered: (1) Minimum Essential Coverage, which covers Preventative and Wellness benefits; and (2) a bronze level plan which provides Minimum Value and for which you will be charged no more than 9.5% of your Box 1, W-2 wages for employee-only coverage (costs for dependents will vary). To learn more, contact our Enrollment Center at The Enrollment Center is open Monday Friday from 9:00 am 9:00 pm Eastern Standard Time. English and Spanish speakers are available. Representantes que hablan Inglés y Español están disponible. You may also see your human resources representative for information regarding the Open Enrollment period. Availability of Summary Health Information As an employee, the health benefits available to you represent a significant component of your compensation package. They also provide important protection for you and your family in the case of illness or injury. Your plan offers a series of health coverage options. Choosing a health coverage option is an important decision. To help you make an informed choice, your plan makes available a Summary of Benefits and Coverage (SBC), which summarizes important information about any health coverage option in a standard format, to help you compare across options. The following documents are available to you in electronic form: (a) Enrollment Guide; (b) Summary of Benefits and Coverage; and (c) Summary Plan Description. The documents are available on the web at: Paper copies are also available, free of charge, by calling (a toll-free number). The webpage and documents can be accessed via any device that can access the internet, and no special software is required. This is your offer of Employer-Sponsored Health Coverage. You are free to elect all coverage offered to you and your dependents, and free to decline all coverage offered to you and your dependents. FreedomCare Easy Enroll Guide Page 2

4 Telehealth Family Plan In addition to your Minimum Essential Coverage Plan, you will also receive a telehealth family plan. Your telehealth plan will give you access to doctors and licensed therapists anytime, from anywhere by video or phone. You will be able to avoid the hassle of trying to schedule appointments, the expense of rising healthcare costs and get help when you need it. Highlights of your telehealth family plan: 1. Speak or video chat with state licensed and U.S. board certified physicians and therapists at no cost to you. 2. Bilingual licensed physicians and therapists available on-demand 24/7/ Get a needed prescription and pick it up at the pharmacy of your choice. Common conditions treated by your telehealth family plan: Flu symptoms Ear infections Headaches Mild lacerations Dehydration Cough Constipation Rashes Joint Aches Insomnia Bronchitis Diarrhea Nausea Itchy eyes Skin infections Abrasions Sinus infections Urinary tract infections Allergies Sore throats Insect bites & stings Nasal congestion Lice Vomiting Acne Respiratory infections and many more! Within 14 business days of enrollment you will receive additional information on how to set up your account. FreedomCare Easy Enroll Guide Page 3

5 Discount Prescription Card Prescription drugs are often very expensive and you may be struggling to pay high prices or insurance deductibles. Whether the prescription is for a chronic condition or for short-term illness, the cost can sometimes be a barrier for you to regain your best health. With your Discount Prescription Card included in your Benefits plan, you can receive discounts off of prescription medicines for you and your family. Plan: MEC - Minimum Essential Coverage Employer Name Group #: Discount Prescriptions Name: John A Doe PCN XXXX RxBin XXXXXX Member ID#: XXXXX RxGRP SAMPLE RX plan information To locate a participating provider please visit our website at or call This discount code is not insurance. Anyone can obtain and use this card as there are no age or income restrictions. Only one card needed per family. FreedomCare Easy Enroll Guide Page 4

6 Available Voluntary Benefits During your FreedomCare Open Enrollment period, you have the ability to enroll in numerous voluntary products to keep you as healthy as possible. When you call, an Enrollment Representative will discuss your individual needs to find the best fit for you and your family. For your convenience, the FreedomCare Enrollment Center is available Monday Friday from 9am-9pm (EST) at Sample plans with rates* Accidental Injury & Disability $ Emergency room, inpatient, ICU benefits and more. Critical Illness $ Lump sum benefits from $10,000 to $70,000 at the first diagnosis of cancer, heart attack, stroke or renal failure. Term Life Insurance $ No required physicals or blood testing, coverage available from $10,000 to $50,000 Dental Insurance $ Includes a wealth of preventative services including 2 cleanings a year. Vision Insurance $ Includes a vision exam every 12 months, low cost lens copays and frame allowance every 12 months. *These are sample monthly rates for illustrative purposes only. Your actual rates may be higher or lower. Spouse and Dependent coverage available, prices vary. Call to speak with your enrollment representative. The features of these products are subject to state availability. These policies have limitations and exclusions. FreedomCare Easy Enroll Guide Page 5

7 Member Dashboard After you receive your Member ID card, you will be able to access details regarding your benefits using your secure online Member Dashboard. Please note that you are able to access the Summary of Benefits and Coverage for the Minimum Essential Coverage plan by: Contacting your Human Resources person Calling the Enrollment Center to request a paper copy View them online at freedomcarebenefits.com To access your account and Member Dashboard, you will need to create an account using your Member ID card. Some highlights of your Member Dashboard include: Request replacement Member ID cards Update your contact information Add dependents to your plan View your Summary of Benefits and Coverage View your Summary Plan Description After you have created your account, you will recieve a confirmation and be granted access to your Member Dashboard, where you will be able to see benefit outlines, update your contact information, and much more. Locate a Provider Update Contact Info John A Doe 123 Main Street Anytown, USA john.doe@ .com Your Employer Your Benefits FreedomCare Easy Enroll Guide Page 6

8 Call the FreedomCare Enrollment Center at: (toll free) If you need this brochure translated to another language, please call FreedomCare at