What s New in Healthy Advantage Option and Health Savings Account
|
|
- Alban King
- 5 years ago
- Views:
Transcription
1 What s New in 2015 Healthy Advantage Option and Health Savings Account The Healthy Advantage Option is a consumer-directed health plan with a Health Savings Account (HSA), which provides a unique way to help you pay for out-of-pocket health care expenses. This plan offers valuable, comprehensive coverage for you and your family at a much lower cost than Core Plus. Each year, the IRS sets guidelines for consumer-directed health plans (like the Healthy Advantage Option) and their accompanying HSAs. To comply with these guidelines, we need to increase the in-network deductibles by $50 for employee-only coverage and $100 for family coverage Healthy Advantage Option In-Network Out-of-Network Annual Deductible Employee Only $1,300 $2,600 $2,000 $4,000 Annual Out-of-Pocket Limit (Includes deductible) Individual $4,500 $9,000 $6,000 $12,000 The HSA contribution limits, which are set annually by the IRS, will increase slightly as well to $3,350 for employee-only coverage and $6,650 for family coverage. These limits include your contributions plus any Healthy Living Rewards you earn. If you will be age 55 or older by December 31, 2015, you can make an additional annual catch-up contribution of $1,000.
2 Core Plus Medical Option PepsiCo will continue to offer the Core Plus Medical Option for Note: The Core Plus Medical Option is not available to executives in Band 2 and above. We are making the following changes to the Core Plus Medical Option: 1. Increases to in-network deductibles The individual deductible will increase by $100, and the family deductible limit will increase by $200. Here s a summary of the 2015 deductibles. In-Network Out-of-Network 2015 Core Plus Annual Deductible Individual $600 $1,200 $2,000 $4, Changes to out-of-pocket limits Amounts you pay toward prescription drugs at retail pharmacies and mail order will now count toward the annual out-of-pocket limit. This change is being made to comply with a new rule under the Affordable Care Act (ACA), which requires that all eligible prescription drug expenses count toward the limit. Currently, mail-order prescription drug expenses count toward a separate $1,500 out-of-pocket maximum, which will be eliminated in In-Network Out-of-Network 2015 Core Plus Annual Out-of-Pocket Limits: Medical and Prescription Drugs Combined (Includes deductibles) Individual $4,000 $8,000 $8,000 $16, Target Pricing If you are covered under Core Plus, need one of the procedures subject to target pricing and choose a provider that charges more than the target price, any amount above the target price does not count toward your deductible. Starting in 2015, any amount above the target price will not count toward the deductible and the out-of-pocket limit. As a reminder, procedures subject to target pricing include radiology scans, arthroscopies, upper GI endoscopy procedures, non-preventive colonoscopies and bunionectomies. Target pricing does not apply in emergency situations.
3 4. Emergency Room Copay The Core Plus Option includes a copay for emergency room visits. The $150 emergency room copay will increase to $250 after your first two visits in a calendar year (starting with a third visit). (The $100 emergency room copay for the first two visits remains the same.) For non-emergency situations, you can save money (and time) by using less expensive options such as urgent care facilities, Teladoc or NurseLine. HMOs HMOs will continue to be offered where they provide good value to employees. In 2015: The Kaiser Permanente of Ohio Plan will no longer be available. IHC Select Med (Utah) will be making plan design changes. If you are affected by these HMO changes, you ll receive a separate communication with more details. If your HMO isn t changing, you can still expect to see increases in employee contributions. Use the Health Plan Comparison Charts and Medical Expense Estimator on YBR to make sure an HMO is still the right choice for you and your family. Employee Contributions The changes we put in place for 2014 are helping to keep cost increases in check. If you remain in Healthy Advantage or Core Plus for 2015, there will be no increase in paycheck contributions. However, that doesn t mean health care costs still aren t a challenge. They continue to increase a reminder that we all need to stay diligent in managing our own health and health care. Alternate Coverage Contribution The alternate coverage contribution is the additional amount you pay to cover a spouse/partner who works full-time and has major medical coverage available through his or her employer. (If your spouse/partner is offered a preventive care-only plan, you would not be subject to the alternate coverage contribution.) We set the amount at $600 when we first introduced the alternate coverage contribution in In 2015, we will be increasing the annual amount to $1,200, which is more in line with what other companies charge. We encourage working spouses/partners to evaluate their own employer s medical coverage before enrolling in PepsiCo s plan. During this fall s annual enrollment, you will be required to re-certify whether the alternate coverage contribution applies. See important note below. Please remember the alternate coverage contribution is subject to audit at any time.
4 Does your spouse/partner have full-time medical coverage available through another employer outside of PepsiCo? If you answer NO You certify that your spouse/partner: If you answer YES You certify that your spouse/partner: Does not work, works part-time or works for PepsiCo or Is not eligible for medical coverage from his or her employer. Works full-time for an employer other than PepsiCo (including selfemployment) and Can obtain medical coverage from his or her employer. In these cases, the alternate coverage contribution will not apply. In this case, the alternate coverage contribution will apply. If you have a qualifying life event during the year (e.g., your spouse/partner gains or loses other coverage), you will need to update your response by logging onto YBR or calling the HR Service Center. Important Note! If you are currently covering a spouse/partner and you don t actively enroll and re-certify, the alternate coverage contribution of $1,200 will automatically apply starting with your first paycheck in Care Management Program PepsiCo invests in the Healthy Living wellness program to help you and your family manage a variety of health issues, including ongoing serious illnesses and pregnancy. In 2015, our Care Management Program will be enhanced to provide those enrolled in the Healthy Advantage and Core Plus Options with even more support. The new program will be offered through our medical plan carriers Anthem Blue Cross and Blue Shield and UnitedHealthcare. Having them administer the Care Management Program gives you one place to go for your health care needs and builds on our very successful Health ACE model. The Care Management registered nurses will have real-time access to information on your benefits and claims, so they can provide more effective support, guidance and education. Whether you are facing a planned surgery, navigating at-home recovery after a recent hospitalization, dealing with a serious health condition or preparing to have a baby, the Care Management Program is designed to ensure you have the support you need from a team of qualified professionals.
5 Healthy Living Rewards To encourage you to take the steps that lead to better health, we are increasing our investment in wellness rewards for You and your covered spouse/partner will each be able to earn up to $300 in Healthy Living Rewards next year. Here s how: $200 for completing BOTH the PHA and a biometric screening. The combination of your PHA and screening results will give you the comprehensive information you need to determine where you need to focus. That s why we re requiring that you complete both by September 30, 2015 to receive those Healthy Living Rewards. $100 for having at least three out of four biometric screening results within the healthy range and/or moderate health risk range (or, if outside the healthy/moderate health risk range, for completing four telephonic coaching calls). Keep in mind that a spouse/partner must be covered under a PepsiCo medical plan in order to be eligible for Healthy Living Rewards. If you enroll in the Healthy Advantage Option, these rewards will be contributed to your HSA and will be tax-free to you. Please note that you must open your HSA by December 17, 2015 or your rewards will be forfeited. If you enroll in another option or waive coverage through PepsiCo, you will receive a Healthy Living Reward Card, which will be treated as taxable income. Treatment Decision Support Process The treatment decision support process through Best Doctors, introduced in 2013, is designed to educate patients about their treatment options. The goal is to achieve better health outcomes and, when appropriate, avoid unnecessary, more costly inpatient surgical procedures. Through a few simple phone calls, Best Doctors will help you understand the risks, benefits and costs of your various options. Because the process has been so successful in accomplishing its goals and giving patients the confidence to make the best decision for their situation, we will be expanding it. Starting in 2015, we are adding two more procedures: shoulder surgery and carpal tunnel surgery. The table below outlines the procedures that are subject to treatment decision support. If you have an inpatient surgery for one of the procedures without consulting Best Doctors, the first $500 of costs will not be covered. You will be required to pay this amount, and it will not count toward your deductible or out-of-pocket limit. We are recommending you follow the treatment decision support process for any of the surgical procedures performed on an outpatient basis. However, the penalty will not apply.
6 2015 Procedures Subject to Treatment Decision Support Knee surgery Back surgery Hip surgery Gallstones (non-emergency treatment) Benign uterine condition NEW: Shoulder surgery Bariatric surgery NEW: Carpal tunnel surgery Pre-Certification Requirements There will be a few changes to the pre-certification requirements under the Healthy Advantage and Core Plus Options. Here s a summary of what s changing for 2015: Procedure/Service Durable Medical Equipment/ Orthotics Required over $500 Required over $1,000 Physical, Occupational, Speech, Vision Therapies Required after 20th visit Not required, but benefit is capped at 100 visits for all therapies combined Home Infusion Therapy Not required Required Diabetic Education Required after four visits Not required, but benefit is capped at four visits For the complete list of pre-certification rules, go to the Plan Details section on the Total Rewards website or call your Health ACE. Company-Provided Life Insurance Company-provided life insurance coverage for all eligible employees will be 1 times eligible pay, regardless of years of service, starting in This level of coverage is more in line with what other companies offer. If you have 10 or more years of service and are currently receiving 1.5 times eligible pay, you will automatically be enrolled in an additional 1 times eligible pay of Optional Life Insurance, unless you elect otherwise. You will not be required to provide evidence of insurability for this increase. Note that you can decrease your Optional Life Insurance coverage during annual enrollment or at any time during the year. If you are impacted by this change, you will receive a separate communication with more information.
7 Employee Assistance Program Beginning in 2015, the Employee Assistance Program (EAP) will be administered by Optum. This change will bring several enhancements to PepsiCo employees and their families: Immediate support from clinicians who have a master s degree in one of the main behavioral health disciplines social work, nursing, professional counseling, or marriage and family therapy. They will provide support by telephone or secure video conference for challenges with family and relationships, grief and loss, and workplace issues. A significantly larger network of providers to choose from for in-person counseling. The program will continue to offer up to four visits per year per incident at no cost. Access to online self-help programs and tools, educational information and a professional services directory. These will be available at liveandworkwell.com (password is Pepsi) starting in January. The EAP is available to all eligible employees, regardless of medical plan election. There will be no change to PepsiCo s EAP Private Line Number, which remains New for You Available Now! YBR Mobile. Make enrollment decisions and enroll right from your smartphone. Go to MyPepsiCo.com and look for the U.S. Benefits link on the main menu. Then you can make your enrollment decisions wherever you are. New & Improved! Discounts & Promotions Program. We re excited to bring you this new and improved program, which is available now. From adventure parks to movie tickets to appliances to retail stores, you can save on everyday purchases, both online and from local businesses. The new website, powered by PerksConnect, is also the new place to comparison-shop for auto, home and other insurance (including boat, motorcycle, renters, condo, etc.) from MetLife, Travelers and Liberty Mutual. Access the site via MyPepsiCo.com > Pay, Benefits and Career > Work/Life > Discounts & Promotions. Or download the PerksConnect app from the Apple or Android store (group code is PepsiCo). PepsiCo does not make any endorsements of or representations regarding any of the discounts or promotions available under this program. Coming Soon! my HealthHub. PepsiCo is creating this online resource to help you and your family members make smart health care decisions. You will find information and tools to help you understand how, when and where to access quality care and get the most value for your health care dollars. Note that this resource will be made available to your family members as well to ensure they have access to the information they need to take charge of their health.
PPO $aver Plan. Long Beach Unified School District
2016 PPO $aver Plan Long Beach Unified School District The PPO $aver Plan a Medical Plan to Help You Take Control This plan helps you take charge of your health and wellness by empowering you as the health
More informationHealthTrust: LUMENOS $2500 Coverage Period: 07/01/ /30/2017
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.anthem.com or by calling 1-888-224-4896. Important Questions
More informationImportant Questions Answers Why this Matters:
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 https://eoc.anthem.com/eocdps/fi or by calling 1-800-542-9402.
More informationAnthem Blue Cross Blue Shield: Anthem Silver DirectAccess - cbka Coverage Period: 01/01/ /31/2014
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.anthem.com or by calling 1-888-231-5046. Important Questions
More informationYou can see the specialist you choose without permission from this plan.
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.anthem.com or by calling 1-877-811-3106. Important Questions
More informationHealthTrust: Access Blue 20-RX10/20/45 Coverage Period: 07/01/ /30/2017
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.anthem.com or by calling 1-800-870-3122. Important Questions
More informationImportant Questions Answers Why this Matters:
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 by calling 1-585-343-0055 ext. 6415. Important Questions Answers
More information$5,000 Individual/ $10,000 Family. Important Questions Answers Why this Matters: What is the overall deductible?
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.cvtrust.org or by calling 1-800-288-9870. Important Questions
More informationImportant Questions. Why this Matters:
Important Questions What is the overall deductible? 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.anthem.com/ca/calpers
More informationImportant Questions Answers Why this Matters:
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.anthem.com or by calling 1-800-421-1880. Important Questions
More informationImportant Questions Answers Why this Matters: What is the overall deductible? $0 Are there other deductibles for specific services?
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.bcbsga.com/usg or by calling 1-800-424-8950. Important
More informationCoverage for: Individual/Family Plan Type: PPO
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.medica.com or by calling 952-945-8000 (Minneapolis/St.
More informationGEORGIA. CIGNA health savings plans. Health and Pharmacy Benefits c GA 07/ CIGNA
GEORGIA Individual & Family Plans CIGNA health savings plans Health and Pharmacy Benefits PLAN comparison 822163c GA 07/10 2010 CIGNA CIGNA HealthCare plans, offered through Connecticut General Life Insurance
More informationImportant Questions Answers Why this Matters: Network: $3,500 Individual $7,000 Family Non-Network: $10,000 Individual $20,000 Family
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.inhealthohio.org or by calling 1-800-580-8502. Important
More informationCoverage for: Individual/Family Plan Type: PPO
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.medica.com or by calling 1-855-2myplan. Important Questions
More informationTake the Wheel. Benefits for the Road Ahead Open Enrollment Highlights Brochure
Take the Wheel Benefits for the Road Ahead 2017 Open Enrollment Highlights Brochure Start Your Engines This is your annual opportunity to ensure you and your family have the benefit coverage you need.
More informationTENNESSEE. CIGNA health savings plans. Health and Pharmacy Benefits TN 09/ b TN 07/ CIGNA
TENNESSEE Individual & Family Plans CIGNA health savings plans Health and Pharmacy Benefits PLAN comparison 820920 TN 09/08 820920b TN 07/10 2010 CIGNA CIGNA HealthCare plans, offered through Connecticut
More informationMarsh and McLennan: Anthem Blue Cross and Blue Shield $2,850 Deductible Plan Coverage Period: 01/01/ /31/2017
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 https://eoc.anthem.com/eocdps/aso or by calling (855) 570-1150.
More informationImportant Questions Answers Why this Matters:
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.capitalhealth.com or by calling 1-850-383-3311. Important
More information$1,500 Individual/$3,000 Family for In-Network providers.
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.anthem.com/ca or by calling 1-877-244-3593. HRA FUNDING
More information2017 Summary of Benefits and Coverage Documents
2017 Summary of Benefits and Coverage Documents Table of Contents Blue Plan PPO with HRA Individual Coverage 3 Green Plan PPO with HSA Individual Coverage 11 Orange Plan PPO with HSA Individual Coverage
More informationImportant Questions Answers Why this Matters: In-network: $0/Individual; $0/Family Out-of-network: $750/Individual; $1,500/Family
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.anthem.com or by calling 1-800-421-1880. Important Questions
More informationEven though you pay these expenses, they don t count toward the out-ofpocket limit.
Anthem HealthKeepers Premier POS: Henrico County General Government and Public Schools Coverage Period: 1/1/2017-12/31/2017 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage
More informationMSI Fairview and North Memorial Vantage ASO % Coverage Period: Beginning on or after 1/1/2017 Summary of Benefits and Coverage:
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.medica.com or by calling 1-855-569-7526. Important Questions
More informationBlue Cross Blue Shield of Texas Replacing Aetna PPO Medical Plan Changes New Health Care Partners for Dental and EAP Improved Dental Plan Benefits
2014 Annual Enrollment Blue Cross Blue Shield of Texas Replacing Aetna PPO Medical Plan Changes New Health Care Partners for Dental and EAP Improved Dental Plan Benefits 2014 Annual Enrollment November
More informationImportant Questions Answers Why this Matters: What is the overall deductible? $0 Are there other deductibles for specific services?
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.bcbsga.com/bor or by calling 1-800-424-8950. Important
More informationImportant Questions Answers Why this Matters: What is the overall deductible?
HMO Blue New England Premier Value with HCCS Coverage Period: on or after 01/01/2017 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type:
More informationCoverage for: Individual Plan Type: HMO. Important Questions Answers Why this Matters:
Harford County Public Schools Blue Choice Open Access Coverage Period: 07/01/2015 06/30/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type:
More informationYou must pay all of the costs for these services up to the specific deductible amount before the plan begins to pay for these services.
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.anthem.com or by calling 1-800-552-9159. Important Questions
More informationCoverage for: All Coverage Tiers Plan Type: POS. 1 of 9
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.paramounthealthcare.com or by calling 1-800-462-3589.
More informationImportant Questions Answers Why this Matters:
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.anthem.com or by calling 1-888-650-4047. Important Questions
More informationBlue Care Elect $250 Deductible MIIA Coverage Period: on or after 07/01/2015
Blue Care Elect $250 Deductible MIIA Coverage Period: on or after 07/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: PPO This
More informationMarsh and McLennan: Anthem Blue Cross and Blue Shield $400 Deductible Plan Coverage Period: 01/01/ /31/2017
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 https://eoc.anthem.com/eocdps/aso or by calling (855) 570-1150.
More informationLVAIC-Muhlenberg College: Lehigh Valley Flex Blue PPO Coverage Period: 01/01/ /31/2017
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.highmarkblueshield.com or by calling 1-800-345-3806.
More informationTier 1: $0/$0 Tier 2: $500/$1,500 Tier 3:$1,000/$3,000 Does not apply to preventive care. What is the overall deductible?
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 by contacting benefits@northside.com or by calling 1-404-851-8393.
More informationImportant Questions Answers Why this Matters: In-network: $0/Individual; $0/Family Out-of-network: $500/Individual; $1,000/Family
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 https://eoc.anthem.com/eocdps/aso or by calling 1-800-445-7490.
More informationYou can see the specialist you choose without permission from this plan.
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.medica.com or by calling 952-945-8000 (Minneapolis/St.
More informationImportant Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?
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.avmed.org/go/state or by calling 1-888-762-8633 Important
More informationImportant Questions. Why this Matters:
Important Questions 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.anthem.com/ca/calpers or by calling
More informationImportant Questions Answers Why this Matters:
This is only a summary. Medical benefits are covered through Anthem Blue Cross and Blue Shield. If you want more detail about your coverage and costs for health benefits, you can get the complete terms
More informationHighmark Blue Cross Blue Shield: PPO Coverage Period: 01/01/ /31/2017
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.highmarkbcbs.com or by calling 1-800-241-5704. Important
More informationCoverage for: Individual/Family Plan Type: PPO
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.medica.com or by calling 1-855-469-6334. Important Questions
More informationLooking Upwards Value PPO Coverage Period: 04/01/ /31/2017
Important Questions What is the overall deductible? 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 by calling
More informationYou can see the specialist you choose without permission from this plan.
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.alliantplans.com or by calling 1-800-811-4793 Important
More informationBoard of Huron County Commissioners : HSA
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 MedMutual.com/SBC or by calling 800.540.2583. Important Questions
More informationUpper Arlington City School District: Lumenos Health Savings Accounts Coverage Period: 01/01/ /31/2016
Upper Arlington City School District: Lumenos Health Savings Accounts Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2016-12/31/2016 Coverage for: Individual/Family
More informationAnthem Blue Cross University of Southern California Modified Premier HMO 20 Coverage Period: 01/01/ /31/2014 Summary of Benefits and Coverage:
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.anthem.com/ca or by calling 1-800-888-8288. Important
More information: Multnomah County Employees
: Multnomah County Employees All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest Coverage Period: 1/1/2017-12/31/2017 Summary of Benefits and Coverage: What this Plan Covers
More information: SAIF Corporation. $0 See the chart starting on page 2 for your costs for services this plan covers.
: SAIF Corporation All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest Coverage Period: 1/1/2017-12/31/2017 Summary of Benefits and Coverage: What this Plan Covers & What
More informationAetna Choice POS II (Open Access) HDHP
2018 2019 Aetna Choice POS II (Open Access) HDHP Long Beach Unified School District The Choice POS II HDHP A Medical Plan to Help You Take Control This plan helps you take charge of your health and wellness
More informationInspiration Health by HealthEast MN % City of Minneapolis Coverage Period: Beginning on or after 1/1/2017 Summary of Benefits and Coverage:
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.medica.com or by calling 1-855-469-6334. Important Questions
More informationImportant Questions Answers Why this Matters:
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.summacare.com or by calling 1-800-996-8701. Important
More informationIndividual Plan: Silver HDP 1 Coverage Period: 01/01/ /31/2014
Depending on your income, you may qualify for one of the following Cost Share Reduction plans: Cost Sharing Reduction Plan 100-150% Federal Poverty Level Cost Sharing Reduction Plan 151-200% Federal Poverty
More information$200 per individual; $400 per family
Health New England: SPHS/Mercy Non-Bargaining EPO (EV) Coverage Period: 1/1/2016-12/31/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan
More informationMarsh and McLennan: Anthem Blue Cross and Blue Shield $900 Deductible Plan Coverage Period: 01/01/ /31/2017
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 https://eoc.anthem.com/eocdps/aso or by calling (855) 570-1150.
More informationYou can see the specialist you choose without permission from this plan.
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.medica.com or by calling 952-945-8000 (Minneapolis/St.
More informationIntroducing Balance Plans from Kaiser Permanente
Lower your premiums. Keep your peace of mind. Introducing Balance Plans from Kaiser Permanente (4/1/09 6/1/09 effective dates) Just the right coverage at just the right price. Finding the right health
More information2019 FAQs Medical plan. Frequently Asked Questions from employees
2019 FAQs Medical plan Frequently Asked Questions from employees September 2018 Medical plan benefits Here are some commonly asked questions about the Medical Plan Benefits that our employees have raised.
More informationYou must pay all the costs up to the deductible amount before this plan. covered services after you meet the deductible.
Secure Choice Health Savings Account Partner Coverage Period: Beginning on or after 01-01-2016 Summary of Benefits and Coverage: What this Plan covers & What it Costs Coverage for: S, S+1, and Family coverage
More informationImportant Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Coverage Tiers Plan Type: HMO This is only a summary. If you want more detail about your coverage and costs, you
More informationCoverage for: Individual/Family Plan Type: PPO
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.medica.com or by calling 952-945-8000 (Minneapolis/St.
More informationThis 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
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.kaiserpermanente.org or by calling 1-800-777-7902. Important
More informationNationwide Life Insurance Co.: University of Southern Maine (Domestic) Coverage Period: 8/15/13 8/14/14
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.chpstudent.com or by calling 1-800-633-7867. Important
More informationAnthem Blue Cross University of Southern California Modified Classic Choice HMO 30/40 Coverage Period: 01/01/ /31/2014
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.anthem.com/ca or by calling 1-800-888-8288. Important
More informationHighmark Delaware: Shared Cost Blue EPO 1000 Coverage Period: 01/01/ /31/2017
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.highmarkbcbsde.com or by calling 1-888-601-2242. Important
More informationNationwide Life Insurance Co.: University of Southern Maine (International) Coverage Period: 8/1/13-7/31/14
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.chpstudent.com or by calling 1-800-633-7867. Important
More informationHMO Blue $1,000 Deductible
HMO Blue $1,000 Deductible Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: on or after 01/01/2014 Coverage for: Individual and Family Plan Type: HMO This is only
More informationWhat is the overall deductible? are separate and do not. towards each other. Are there other deductibles for specific services?
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 https://eoc.anthem.com/eocdps/fi or by calling (855) 333-5735.
More informationIn-network $1,000 person / $3,000 family Out-of-network $3,000 person / $9,000 family. What is the overall deductible?
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.loomisco.com or by calling 1-800-367-3721. Important
More informationCOSE MEWA : HRA W RX
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 MedMutual.com/SBC or by calling 800.540.2583. Important Questions
More informationPPO $500 Deductible Plan: Xavier University Summary of Benefits and Coverage: What this Plan Covers & What it Costs
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 by contacting Lindsay Klinzman at klinzmanl@xavier.edu or by
More informationThe Guide to Your Summary of Benefits and Coverage (SBC)
The Guide to Your Summary of Benefits and Coverage (SBC) Under the federal Affordable Care Act, health insurers and group health plans are required to provide an SBC. This regulation is intended to give
More information: Beaverton School District No.48
: Beaverton School District No.48 All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest Coverage Period: July 1, 2016-June 30, 2017 Summary of Benefits and Coverage: What
More informationState of Florida Health Investor HMO Plan Coverage Period: 1/1/ /31/2014
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Family Plan Type: HMO This is only a summary. If you want more detail about your coverage and costs, you
More informationYour Guide to the Anthem Lumenos High Deductible Health Plan (HDHP)
2018 Your Guide to the Anthem Lumenos High Deductible Health Plan (HDHP) The Anthem Lumenos HDHP is a medical plan that offers comprehensive coverage for everything from doctor visits, x-rays and lab tests,
More information: Federal Employees Standard Option Coverage Period: 01/01/ /31/2017 Summary of Benefits and Coverage
This is only a summary. Please read the FEHB Plan brochure (RI 73-815) that contains the complete terms of this plan. All benefits are subject to the definitions, limitations, and exclusions set forth
More informationCoverage for: Individual/Individual + Family What this Plan Covers & What it Costs
Connecticut General Life Insurance Co.: Open Access Value 2500/80% Plan Coverage Period: Beginning on or after 9/23/2012 Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs!
More informationEven though you pay these expenses, they don t count toward the outof-pocket limit.
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.summit-inc.net or www.yctrust.net or by calling Summit
More information$0 Single/$0 Family for In- Network Providers. See the chart starting on page 2 for your costs for services this plan covers.
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.anthem.com or by calling 1-855-634-3383. Important Questions
More informationBlue Choice New England - Enhanced Northeastern University Coverage Period: on or after 01/01/2015
Blue Choice New England - Enhanced Northeastern University Coverage Period: on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family
More informationCoverage for: Individual/Family Plan Type: PPO
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.medica.com or by calling 952-945-8000 (Minneapolis/St.
More informationFordham 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 informationBlue Care Elect $250 Deductible Coverage Period: on or after 07/01/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Blue Care Elect $250 Deductible Coverage Period: on or after 07/01/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: PPO This is
More informationAnthem BlueCross BlueShield Christian Care Communities Blue Access PPO Coverage Period: 01/01/ /31/2015 Summary of Benefits and Coverage:
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.anthem.com or by calling 1-888-650-4047. Important Questions
More informationBlue Care Elect Preferred Northeastern University
Blue Care Elect Preferred Northeastern University Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: on or after 01/01/2014 Coverage for: Individual and Family Plan
More informationImportant Questions Answers Why this Matters:
Glatfelter: Ohio Union Hourly Employees* Coverage Period: 01/01/2014 12/31/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Single + Family Plan Type: PPO This
More informationGet 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: - Multnomah Bar Association
: - Multnomah Bar Association All plans offered and underwritten by Kaiser Foundation Health Plan of the Northwest Coverage Period: April 1, 2016-March 31, 2017 Summary of Benefits and Coverage: What this
More informationRegence BlueCross BlueShield of Utah: Regence HSA 3.0 SM Coverage Period: 12/01/ /30/2016
Regence BlueCross BlueShield of Utah: Regence HSA 3.0 SM Coverage Period: 12/01/2015 11/30/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Eligible
More information$0 See the chart starting on page 2 for your costs for services this plan covers.
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 https://www.chchealth.org/affordablehealth/planbrochure/silver.aspx
More informationNo. What is not included in the out of pocket limit? Even though you pay these expenses, they don t count toward the out-of-pocket limit.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan s summary plan description at www.psbenefitstrust.com or by calling (206) 441-7574,
More informationImportant Questions Answers Why this Matters: What is the overall deductible?
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.anthem.com/ca/sisc or by calling 1-800-825-5541. Important
More informationCalifornia Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in California
Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in, your Network is the Anthem Blue
More informationNationwide Life Ins. Co.: SUNY Maritime College Coverage Period: 8/11/13 8/10/14
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.chpstudent.com or by calling 1-800-633-7867. Important
More informationImportant Questions Answers Why this Matters: What is the overall deductible?
Anthem Blue Cross & Blue Shield Bowdoin College: EAP Coverage Period: 1/1/13 12/31/13 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type:
More informationGRANITE SCHOOL DISTRICT
GRANITE SCHOOL DISTRICT Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2017-12/31/2017 Coverage for: Single/Family Plan Type: HMO document at selecthealth.org
More informationUConn Co-op Plan II: Grandfathered Coverage Period: 1/1/14 12/31/14
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.chpbenefits.com or by calling 1-800-633-7867. Important
More informationAnthem BlueCross BlueShield Eastern Kentucky University Economy Coverage Period: {01/01/ /31/2013} Summary of Benefits and Coverage:
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.anthem.com or by calling 1-888-650-4047. For prescription
More informationPathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide
2016-2017 Pathways 2015-2016 VILLANOVA UNIVERSITY Benefits Open Enrollment Guide HUMAN RESOURCES April 18 April 29, 2016 A Letter from the Senior Director of Benefits, Compensation and Employment Dear
More informationImportant Questions Answers Why this Matters: For in-network providers Deductible is not applicable innetwork
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.anthem.com or by calling 1-800-922-6621. Important Questions
More information