Important: There is no need for you to take any action now. This is for your information only.
|
|
- Godwin James
- 6 years ago
- Views:
Transcription
1 Your Harvard Pilgrim Health Care Benefits and Rates are changing on April 1, 2018 January 2018 Dear SBSB Member: Important: There is no need for you to take any action now. This is for your information only. The April 1, 2018 group health insurance annual renewal and open enrollment period is rapidly approaching for members of the Small Business Service Bureau, Inc. (SBSB) enrolled in Harvard Pilgrim Health Care (HPHC). We are taking this opportunity to provide you with important information about your upcoming group health insurance renewal. Please take time to carefully review this information about your benefits. Harvard Pilgrim is making changes to most of its plans sold in the small group market in Massachusetts. As a result of these changes, your Harvard Pilgrim plan is being modified and will no longer be available in its current form as of April 1, However, Harvard Pilgrim has a number of plan options you can consider to meet your company s needs. Enclosed you will find two (2) important pieces of information. 1. A Harvard Pilgrim Product Name Comparison Chart that outlines the 2017 Product Name and the corresponding new 2018 Product Name. Additionally, a plan specific Harvard Pilgrim Benefit Comparison Chart is available online by logging into your account at Go to the Document Library; MA Health Plan; Harvard Pilgrim Health Care; Benefit Chart folder. Once there, select the chart with your current 2017 plan name. Here you will find a comprehensive outline of the specific 2018 benefit updates to your current (2017) plan. There is a Benefit Comparison Chart for each of Harvard Pilgrim s products. (Please note: If the product is no longer available for transferring groups it is noted as a closed plan.) 2. The Harvard Pilgrim Massachusetts Intermediary Benefit Design package that provides a description of the major benefits for each of the 2018 products. Please note the Key Changes for all Harvard Pilgrim plans listed on the cover page of the 2018 Benefit Design package. Highlights include: Flex Benefit: lower your out of pocket costs for general laboratory and day surgery when you use Flex facilities! (See the enclosed brochure for more information.) Family deductible: For plans with $2,000 individual deductible or less, the standard has changed for the family deductible from 2x the individual deductible to 2.5x individual deductible. All plans are Plan Year, except Affordable HMO 25- Flex which is calendar year.
2 What s next There is nothing you need to do now. There will be no changes to your plan until your April 2018 renewal date. By late February, SBSB will have information on your 2018 premium rate. YOU HAVE A CHOICE! As your trusted health care partner, we are committed to helping you navigate these changes with a minimum impact to you, your business and your employees. SBSB has a many health plan options you can consider during the 2018 open-enrollment. If you no longer want your current plan as modified for 2018, or decide it s time for a change, SBSB will assist you in transferring to the plan of your choice, hassle-free! Please call an SBSB Benefit Specialist Toll Free at , or your SBSB credentialed broker if you have questions regarding your HPHC Plan renewal. We will work with you to review your current plan - and help you decide the best option for your 2018 coverage! Thank you for relying on SBSB for your health plan needs. We will continue to offer you and your employees plans that offer high quality and service, and look forward to serving you in the year ahead. Sincerely, Lisa M. Carroll President Small Business Service Bureau, Inc. Enclosures Summary of Benefits and Coverage (SBC) SBSB members can view Harvard Pilgrim Health Care 2018 SBCs by logging into their account at (Instructions for new member access are available on the homepage.) Once logged in, click on the Document Library link. Click on the 2018 SBC link and then on your health insurance carrier name to find your existing plan. 1x3564
3 Harvard Pilgrim Product Name Comparison Chart 2017 Plan Name 2018 Plan Name Affordable HMO 25 Affordable HMO 25 - Flex Affordable HMO 40 (discontinued) Best Buy HMO Flex Best Buy HMO 1000 Best Buy HMO Flex Best Buy HMO 1000 with Coinsurance Best Buy HMO 1000 with Coinsurance - Flex Best Buy HMO 2000 Best Buy HMO Flex Best Buy HMO 2000 with Coinsurance Best Buy HMO 2000 with Coinsurance - Flex Best Buy HMO 2000 with Copayment - Flex Best Buy HMO 3000 Best Buy HMO Flex Core Coverage HMO 1750 (discontinued) Core Coverage HMO Flex Core Coverage HMO 3000 (discontinued) Core Coverage HMO Flex Best Buy HSA HMO 2000 Best Buy HSA HMO Flex Best Buy HSA HMO 2000 with Coinsurance - Flex Best Buy HSA HMO 2000 with Cost Share - Flex Best Buy HSA HMO 3000 Best Buy HSA HMO Flex Best Buy HSA HMO 3000 with Cost Share - Flex Best Buy HSA HMO 3100 Best Buy HSA HMO Flex Standard Platinum Standard Platinum Standard Standard Standard Standard Standard Bronze Best Buy HSA PPO 3100 (closed plan) Best Buy HSA PPO 4500 (closed plan) Best Buy HSA PPO Flex (closed plan) Best Buy HSA PPO Flex (closed plan)
4 Massachusetts Intermediary Benefit Designs Second Quarter The following are the Massachusetts Intermediary Benefit Designs (Group) for the Second Quarter of Key Changes: - Featured cost sharing for members who use Flex facilities for General Laboratory and services - Family Deductible: For plans with $2,000 individual deductible or less, the standard has changed for the family deductible from 2x the individual deductible to 2.5x individual deductible - Embedded Pediatric Dental: For Standard Connector plans, Core Coverage, and plans with a $3,000 individual deductible, the Out-of-imum for the Pediatric Dental benefit will be included in the medical OOPM. - All HSA plans will include preventative RX - All plans are Plan Year, except Affordable HMO 25 - Flex (Calendar Year) - Introduction of new plans, as noted on the grid. Affordable HMO 40 is no longer offered - For Core Coverage HMO 1750 and 3000, Emergency Room will fall under the deductible
5 Affordable HMO Plans Co-insurance ER Urgent Care Inpatient/ Acupuncture RX Cost Share (Value Affordable HMO 25 - Flex $25/$40 None/None $1,700/$3,400 None $125 Hosp: $40 IP: $1,000 $125 $25 $40 Retail: $5/$25/$40/$60/ Others: $40 Platinum $40 $12.50/$62.50/$100/$180/ MD Conv: $25 $150 Others: $500 X-Rays: $40 $1,350/$2,700 RX N/A Embedded DN Co-insurance ER Urgent Care Inpatient/ Best Buy HMO Flex $25/$40 $500/$1,250 $5,750/$11,500 None $300 Hosp: $40 IP: (New Plan) $200 Best Buy HMO Plans $40 $200 then $40 $25 Acupuncture RX Cost Share (Value $40 Retail: $5/$30/$60/$90/ $12.50/$75/$150/$270/ MD Conv: $25 $50 then $200 then $40 $1,350/$2,700 RX Embedded Embedded DN Best Buy HMO Flex $25/$40 $1,000/$2,500 $5,750/$11,500 None $300 Hosp: $40 IP: $200 $40 MD Conv: $25 $50 then $200 then $40 then $40 $200 $25 $40 Retail: $5/$30/$60/$90/ $12.50/$75/$150/$270/ $1,350/$2,700 RX Embedded Embedded DN of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 2 of 9
6 Co-insurance ER Urgent Care Inpatient/ Best Buy HMO 1000 with $30/$50 $1,000/$2,500 $5,250/$10,500 $400 Hosp: $50 IP: Coinsurance - Flex $50 MD Conv: $30 $150 then Others: then Acupuncture RX Cost Share (Value $50 Retail: $5/$30/$60/$90/ $12.50/$75/$150/$270/ $1,350/$2,700 RX Embedded Embedded DN Best Buy HMO Flex $25/$40 $2,000/$5,000 $5,750/$11,500 None $300 Hosp: $40 IP: $250 $40 MD Conv: $25 $75 then $200 Others: $40 then $40 $200 $25 $40 Retail: $5/$30/$60/$90/ $12.50/$75/$150/$270/ $1,350/$2,700 RX Embedded Embedded DN Best Buy HMO 2000 with Coinsurance - Flex $35/$65 $2,000/$5,000 $6,800/$13,600 $500 Hosp: $65 IP: $65 MD Conv: $35 $150 then Others: then $50 Retail: $5/$30/$60/$90/ $12.50/$75/$150/$270/ $550/$1,100 RX Embedded Embedded DN Best Buy HMO 2000 with Copayment - Flex (New Plan) Best Buy HMO Plans $35/$55 $2,000/$5,000 $6,800/$13,600 None $1,000 Hosp: $55 IP: $1,000 $55 MD Conv: $35 $250 then $1,000 Others: $55 then $55 $1,000 $35 $50 Retail: $5/$30/$80/$110/ $12.50/$75/$200/$330/ $550/$1,100 RX Embedded Embedded DN of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 3 of 9
7 Best Buy HMO Plans Co-insurance ER Urgent Care Inpatient/ Best Buy HMO Flex $40/$60 $3,000/$6,000 $7,350/$14,700 None $450 Hosp: $60 IP: $1,000 $350 Others: $60 $40 Acupuncture RX Cost Share (Value $50 Retail: $5/$30/$80/$110/ $60 $12.50/$75/$200/$330/ MD Conv: $40 $200 then $500 then $60 RX Embedded Embedded DN of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 4 of 9
8 Co-insurance ER Core Coverage HMO Flex $35 Copay $1,750/$3,500 $7,350/$14,700 for the first $250 3 mem (6 per fam). All other visits Ded then Core Coverage Plans Urgent Care Inpatient/ Hosp: $35 IP: Copay for the first 3 mem (6 per fam). All other visits Others: $35 Copay for the first 3 mem (6 per fam). All other visits Ded then Acupuncture $35 Copay for the first 3 visits per mem (6 per fam). All other visits RX Cost Share (Value Retail: $5/$30/$60/$90/ $35 Copay for the first 3 mem (6 per fam). All other visits MD Conv: $35 Copay for the first 3 mem (6 per fam). All other visits $150 then then $12.50/$75/$150/$270/ RX Embedded Embedded DN Core Coverage HMO Flex $35 Copay for the first 3 mem (6 per fam). All other visits Ded then $3,000/$6,000 $7,350/$14,700 $250 Hosp: $35 Copay for the first 3 mem (6 per fam). All other visits $35 Copay for the first 3 mem (6 per fam). All other visits MD Conv: $35 Copay for the first 3 mem (6 per fam). All other visits IP: $150 then Others: then $35 Copay for the first 3 mem (6 per fam). All other visits Ded then $35 Copay for the first 3 visits per mem (6 per fam). All other visits Retail: $5/$30/$80/$110/ $12.50/$75/$200/$330/ RX Embedded Embedded DN of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 5 of 9
9 Co-insurance ER Best Buy HSA HMO Flex $2,000/$5,000 $5,250/$10,500 None Best Buy HSA HMO Plans Urgent Care Inpatient/ Hosp: Ded IP: then then $10 Acupuncture RX Cost Share (Value Retail: $5/$30/$60/$90/ $12.50/$75/$150/$270/ MD then Ded then then then $10 RX Non-Embedded Embedded Preventive RX to Retail & Mail Best Buy HSA HMO 2000 with $2,000/$5,000 $6,250/$12,500 Hosp: Ded IP: Coinsurance - Flex (New Plan) $30/$45 $400 then $45 MD $45 then $30 Ded then then then then Retail: $5/$30/$80/$110/ $12.50/$75/$200/$330/ RX Non-Embedded Embedded Preventive RX to Retail & Mail Best Buy HSA HMO 2000 with $2,000/$5,000 $6,000/$12,000 None Hosp: Ded IP: $50 Cost Share - Flex (New Plan) $35/$55 $400 then $55 $500 $200 $35 MD $55 then $35 Ded then then $250 then $55 then $55 Retail: $5/$30/$80/$110/ $12.50/$75/$200/$330/ RX Non-Embedded Embedded Preventive RX to Retail & Mail $1,300/$2,600 DN $400/$800 DN $650/$1,300 DN of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 6 of 9
10 Co-insurance ER Best Buy HSA HMO Flex $3,000/$6,000 $6,000/$12,000 None Best Buy HSA HMO Plans Urgent Care Inpatient/ Hosp: Ded IP: then then $20 Acupuncture RX Cost Share (Value Retail: $5/$30/$80/$110/ $12.50/$75/$200/$330/ MD then Ded then then then $20 RX Non-Embedded Embedded Preventive RX to Retail & Mail Best Buy HSA HMO 3000 with $3,000/$6,000 $6,000/$12,000 None Hosp: Ded IP: $50 Cost Share - Flex (New Plan) $35/$55 $400 then $55 $500 $200 $35 $55 then $55 Retail: $5/$30/$80/$110/ $12.50/$75/$200/$330/ $650/$1,300 DN MD then $35 Ded then then $250 then $55 RX Non-Embedded Embedded Preventive RX to Retail & Mail Best Buy HSA HMO Flex $3,100/$6,200 $6,400/$12,800 None Hosp: Ded IP: $50 $40/$65 $750 then $65 $750 $40 Bronze MD $65 then $40 Ded then $250 then $1,000 then $65 then $65 Retail: $5/$30/50%/50%/50% (T3 $125/script max, T4 $250/script max, T5 $500/script max) $12.50/$75/50%/50%/50% (T3 $312.50/script max, T4 $750/script max, T5 $1,500/script max) RX Non-Embedded Embedded Preventive RX to Retail & Mail $650/$1,300 DN $250/$500 DN of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 7 of 9
11 Co-insurance ER Urgent Care Inpatient/ Acupuncture RX Cost Share (Value Standard Platinum $20/$40 None/None $3,000/$6,000 None $150 Hosp: $40 IP: $500 $150 $40 $40 Retail: $10/$25/$50 Platinum $20/$50/$150 $40 MD Conv: $20 Day: $250 RX N/A Embedded DN Standard $30/$45 $1,000/$2,000 $5,000/$10,000 None $150 Hosp: $45 IP: $500 $45 MD Conv: $30 Day: $250 $20 $200 $45 $45 Retail: $20/$30/$50 $40/$60/$150 RX Embedded Embedded DN Standard $30/$50 $2,000/$4,000 $7,350/$14,700 None $700 Hosp: $50 IP: $1,000 $50 MD Conv: $30 Day: $750 $25 $500 $50 $50 Retail: $20/$60/$90 (Ded to T3) $40/$120/$270 (Ded to T3) RX Embedded Embedded DN Standard Bronze (New Plan) Bronze MD $30/$50 $2,500/$5,000 $7,350/$14,700 None $700 Standard Connector (3-Tier Pharmacy) Plans Hosp: Ded then $50 then $30 IP: $1,000 Day: $750 $25 $500 $50 $50 Retail: $20/$60/$90 (Ded to T2 and T3) $40/$120/$270 (Ded to T2 and T3) RX Embedded Embedded DN of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 8 of 9
12 HPHC must receive complete applications including all required new business documents at least 10 days prior to the requested coverage effective date Business Rules Minimum Number of Participating Subscribers: 75% of those employees who are eligible for health benefits must participate in a group health plan sponsored by the employer (not necessarily those provided by HPHC). At least 51% of FTEs in the account must work within Massachusetts. Standard Connector (3 Tier Value Business Rules: These plans may only be offered alongside any other Standard Connector plan for groups with 6 or more Full Time Equivalents (FTEs). Minimum Enrollment Requirements (excluding waivers due to spousal or dependent coverage): Group Size Eligibility Requirements 1-5 FTEs: 100% of FTEs HSA Business Rule: Embedded OOPM: On a family contract each member has to only satisfy the individual OOPM and not the family OOPM FTEs (HMO): Renewals: 50% of FTEs 75% for side by side options Prospects: 75% of FTEs Embedded Deductible: On a family contract each member has to only satisfy the individual deductible and not the family deductible. All our HSA plans have embedded OOPM and non-embedded deductible. Massachusetts Minimum Creditable Coverage (MCC) standards: All Plans Meet Massachusetts Minimum Creditable Coverage Medicare Creditable Coverage (MCC) standards: All Plans Meet Medicare Minimum Creditable Coverage Notes: Please note that this document provides an overview of small group benefit designs only. Complete plan designs are defined in the applicable Evidence of Coverage (EOC). If there are discrepancies between this document and EOC, the terms of the EOC apply. For any questions on the application of these rules to a specific account, please call your HPHC representative. of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. Page 9 of 9
13 Pay less for day surgery and lab tests with the Flex benefit Costs for the same in-network medical service can vary widely depending on the type of location of the facility performing the service, with no significant difference in quality. So why pay more if you don t have to? That s where HMO-Flex and PPO-Flex come in. Harvard Pilgrim plans with the Flex benefit feature savings for members who use Flex facilities for general laboratory and day surgery services. There are many different opportunities for savings with Flex. It could be for general lab work recommended by your doctor during a routine visit, or arthroscopic surgery to treat a knee injury. Receiving services at a Flex facility could save you hundreds, or possibly thousands of dollars in out-of-pocket costs! Total average cost (facility) Member cost range at non-flex facility Member cost at a Flex facility Talk to your doctor about Flex let your doctor know that you have the Flex benefit and that you re interested in lowering your out-of-pocket costs by using a Flex facility. General lab work Day surgery (e.g. knee arthroscopy) *Deductible for HSA plans $10-$125 $40 copay deductible and $65 copay $6,770-$7,117 $500 copay deductible and coinsurance $0* $50-$250 copay* To find Flex facilities, see the provider directory at Then choose HMO-Flex or PPO-Flex under Standard Plans. Facilities that are eligible for lower cost-sharing show the Flex name. For plans with Health Saving Accounts, the Flex benefit after the deductible is met. Harvard Pilgrim Health Care includes Harvard Pilgrim Health Care, Harvard Pilgrim Health Care of Connecticut, Harvard Pilgrim Health Care of New England and HPHC Insurance Company. cc6759 9_17
Connecticut Small Group Benefit Designs. January 1, 2018 through March 31, 2018
Connecticut Small Group Benefit Designs January 1, 2018 through March 31, 2018 HMO Copay 25/35 Platinum MD0000004520 RX0000001433 Best Buy HMO Hospital 2000 MD0000004513 RX0000001520 Best Buy HMO 2000
More informationBest Buy HSA HMO FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts Best Buy HSA HMO 3100 - FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 03/31/2018 Coverage for: Individual +
More informationBest Buy HSA HMO FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts Best Buy HSA HMO 2000 - FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 03/31/2018 Coverage for: Individual +
More informationHMO - FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts HMO - FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2019 12/31/2019 Coverage for: Individual + Family Plan Type:
More informationBest Buy HMO FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts Best Buy HMO 2000 - FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 03/31/2018 Coverage for: Individual + Family
More information2016 Plan HSA $6,000. $6,000 individual/$12,000 family. $6,000 individual/$12,000 family
Benefit Changes This is an overview of some of the benefit changes for. For complete details about plans, refer to the carrier documents provided to the member upon enrollment. Refer to CBIA's Benefit
More informationBest Buy HMO FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts Best Buy HMO 500 - FLEX Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 04/01/2018 03/31/2019 Coverage for: Individual + Family
More informationFive Colleges, Inc. ~ Memorandum
To: All Benefited Employees From: Yvette Morneau Date: October, 2018 Re: Health and Dental Insurance Five Colleges, Inc. ~ Memorandum Great news! We are staying with Harvard Pilgrim this year for both
More informationYou don t have to meet deductibles for specific services, but see the chart starting on page 2 for other costs for services this plan covers.
Massachusetts The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2017 12/31/2017 Coverage for: Individual + Family Plan Type: HMO This
More informationStandard Bronze Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts Standard Bronze Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family Plan Type:
More informationMaine's Choice HSA HMO 5000 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Maine Maine's Choice HSA HMO 5000 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family Plan
More informationThe chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.
The Harvard Pilgrim Best Buy HMO Massachusetts Coverage Period: 01/01/2017 12/31/2017 Coverage for: Individual + Family Plan Type: HMO This is only a summary. If you want more detail about your coverage
More informationThe chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.
The Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts Coverage Period: 01/01/2017 12/31/2017 Coverage for: Individual + Family Plan Type:
More informationThe Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 12/01/2017 11/30/2018 Coverage for: Individual
More informationStandard Gold Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts Standard Gold Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family Plan Type:
More informationFive Colleges, Incorporated
Five Colleges, Incorporated Amherst College Hampshire College Mount Holyoke College Smith College University of Massachusetts Amherst Memorandum To: All Benefited s From: Barbara Lucey Date: November,
More informationThe Harvard Pilgrim PPO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim PPO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 12/01/2017 11/30/2018 Coverage for: Individual + Family
More informationThe chart starting on page 2 describes any limits on what the plan will pay for specific covered services, such as office visits.
The Harvard Pilgrim Core Coverage HMO Massachusetts Coverage Period: 01/01/2017 12/31/2017 Coverage for: Individual + Family Plan Type: HMO This is only a summary. If you want more detail about your coverage
More informationThe Harvard Pilgrim Primary Choice HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim Primary Choice HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 07/01/2018 06/30/2019 Coverage for: Individual
More informationWest Suburban Health Group High Deductible Health Plan with HSA
West Suburban Health Group High Deductible Health Plan with HSA November 30, 2017 Today s Agenda 1. Consumer Driven Health A new way to Receive Your Health Benefits 2. HMO/PPO Plan Design Features 3. Health
More information2015 Retiree Benefits Open Enrollment Highlights NOVEMBER 5-19, 2014
2015 Retiree Benefits Open Enrollment Highlights NOVEMBER 5-19, 2014 Table of Contents About Open Enrollment 2015... 3 Summary of Changes for 2015... 3 New Prescription Drug Provider Beginning January
More informationElevateHealth Gold 1000 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
New Hampshire ElevateHealth Gold 1000 Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family
More informationMassachusetts. HPHC Insurance Company The Harvard Pilgrim PPO CCMHG Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Massachusetts HPHC Insurance Company The Harvard Pilgrim PPO CCMHG Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 7/1/2013 6/30/2014 Coverage for: Individual +
More information2018 Small Group Market Plans and Benefits
2018 Small Group Market Plans and Benefits Our full service Commercial Exchange lets you design a comprehensive package that works for your employees and your budget. Full Choice - the exclusive way to
More informationMEDICAL PLANS OVERVIEW FOR OREGON SMALL BUSINESSES
MEDICAL PLANS OVERVIEW FOR OREGON SMALL BUSINESSES OREGON 2018 SMALL BUSINESS with 1 50 eligible employees. For coverage on or after January 1, 2018. Why choose Kaiser Permanente ONLINE ACCESS ANYTIME,
More informationOPEN ENROLLMENT GUIDE
2018 BENEFITS OPEN ENROLLMENT GUIDE GUIDE October 25 November 8, 2017 For members of HUCTW who retired on or after 7/5/11 and members of ATC, Local 26, HUPA, HUSPMGU, or SEIU who retired on or after 9/4/14
More informationSmall Business. Small Group Product Portfolio
Small Business Small Group Product Portfolio 2014 HPN Small Group HMO Metallic Benefit Standards Silver Standards: Lab and X-ray: $20-25/$40-50 ER: $500 OP ASC: $150 + $150 Physician; OP @ Facility: CYD
More informationSouthern Kennebec Child Development Corp Health Reimbursement Arrangement Benefit Overview
Southern Kennebec Child Development Corp Health Reimbursement Arrangement Benefit Overview Your employer is providing you with tax-free reimbursement for certain qualified medical expenses through an HRA
More informationThe Harvard Pilgrim Best Buy ChoiceNet HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim Best Buy ChoiceNet HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 07/01/2018 06/30/2019 Coverage for:
More informationBest customer service Largest doctor/hospital network Affordable plans for all firm sizes. CalCPA Health
Best customer service Largest doctor/hospital network Affordable plans for all firm sizes 2 0 1 9 C A L C PA H E A LT H P L A N B R O C H U R E CalCPA Health Table of Contents Why CalCPA Health?...2 Eligibility...3
More informationMedical Benefits Trust
UAW RETIREE Medical Benefits Trust Dear UAW Trust Member, HEALTH CARE BENEFIT HIGHLIGHTS 2018 At the UAW Retiree Medical Benefits Trust (the Trust ), we recognize how important health care benefits are
More informationHealth 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 informationThe Harvard Pilgrim HMO
Massachusetts The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family
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 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 informationGeneral Agent Guide. Commercial. Your comprehensive resource for selling Small Group 2.0. Small Business Group
Commercial Small Business Group Health Net of California, Inc. and Health Net Life Insurance Company (Health Net) General Agent Guide Your comprehensive resource for selling Small Group 2.0 Effective July
More informationACTION REQUIRED: 2018 Benefits Open Enrollment
September 5, 2017 ACTION REQUIRED: 2018 Benefits Open Enrollment In June, MITRE announced that we are consolidating health insurance plans under a single, national administrator: Aetna. This packet includes
More informationA BETTER WAY. to take care of business. For Oregon groups with 101 or more employees Product portfolio OREGON
A BETTER WAY to take care of business OREGON 2016 For Oregon groups with 101 or more employees Product portfolio 50LBG-15/9-15 All plans offered and underwritten by Kaiser Foundation Health Plan of the
More informationHEALTH CARE PLANS 2015
HEALTH CARE PLANS 2015 A New Way to Provide Health Insurance to Entertainment Industry Employees Media Services Health Care Plan Choice of 9 Medical Plans plus options for dental and vision coverage Competitive
More informationConditional Award of the 2019 Seal of Approval (VOTE)
Conditional Award of the 2019 Seal of Approval (VOTE) EMILY BRICE Deputy Chief of Policy & Strategy MARIA JOY DAWLEY Senior Product Manager, Health & Dental Plans EDITH BOUCHER CALVAO, FSA, MAAA Actuary
More informationThe Harvard Pilgrim PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts
Massachusetts The Harvard Pilgrim PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Coverage Period: 01/01/2017 12/31/2017 Coverage for: Individual + Family Plan Type: PPO This is only
More informationBOSTON UNIVERSITY Your Guide to 2016 Medical Options
BOSTON UNIVERSITY Your Guide to 2016 Medical Options Contents Resources to Learn More...3 Two Medical Options...4 2016 Health Plans at a Glance...6 The New PPO Plan...7 The New PPO Plan in Action...10
More informationHMO. Harvard Pilgrim s. ChoiceNet. Take charge of your health care. Pay less. It s as easy as 1-2-3! EFFECTIVE DATE: 01/01/2018 FORM #2501_01
HMO Harvard Pilgrim s ChoiceNet Take charge of your health care. Pay less. It s as easy as -2-3! EFFECTIVE DATE: 0/0/208 FORM #250_0 Learn the -2-3s of ChoiceNet When making purchases of any kind, you
More informationLive 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 informationPathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide
Pathways 2015-2016 2019-2020 VILLANOVA UNIVERSITY Benefits Open Enrollment Guide HUMAN RESOURCES March 18 March 29, 2019 A Letter from the Assistant Vice President, Human Resources Dear Colleague, Benefits
More informationMassachusetts. Coverage Period: 03/01/ /31/2015 Coverage for: Individual + Family Plan Type: HMO
Massachusetts The Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Coverage Period: 03/01/2015 12/31/2015 Coverage for: Individual + Family Plan Type: HMO This
More informationThe Harvard Pilgrim Best Buy HSA HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
New Hampshire The Harvard Pilgrim Best Buy HSA HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual
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 information2018 ANNUAL BENEFITS ENROLLMENT PRESENTATION COMPANY INTERNAL/PROPRIETARY
2018 ANNUAL BENEFITS ENROLLMENT PRESENTATION COMPANY INTERNAL/PROPRIETARY Get Connected: Your 2018 Insert Annual Title Enrollment Here What We ll Cover Today What s changing What you need to know and do
More informationUNDERSTANDING THE DISTINCTION BETWEEN IN-NETWORK AND OUT-OF-NETWORK PROVIDERS/FACILITIES
UNDERSTANDING THE DISTINCTION BETWEEN IN-NETWORK AND OUT-OF-NETWORK PROVIDERS/FACILITIES This notice is being provided to assist employees participating in the College s medical plans, offered through
More informationbenefits know your 2018 City of Jacksonville Benefits Guide Do you have questions about your medical or prescription drug coverage?
2018 B E N E F I T S G U I D E We are pleased to announce that we will be renewing our medical and pharmacy benefit plans with Florida Blue for 2018. This Benefit Guide provides important information and
More informationFrequently Asked Questions For Berklee Students Student Health Insurance Plan
Frequently Asked Questions For Berklee Students 2017-2018 Student Health Insurance Plan Table of Contents How do I?... 2 Insurance Plan Benefits... 4 What is covered under the Student Health Insurance
More informationStride (HMO) Medicare Advantage Plan
New Hampshire 2017 Stride (HMO) Medicare Advantage Plan SM In Step with your Health Care Coverage Needs Y0098_17003 Accepted Welcome Letter...3 Introduction to Medicare Basics...4 Stride SM (HMO) Plan
More informationThe Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2019 12/31/2019 Coverage for: Individual
More informationMMHG BENCHMARK. The Harvard Pilgrim Best Buy ChoiceNet HMO. Massachusetts
MMHG BENCHMARK Massachusetts The Harvard Pilgrim Best Buy ChoiceNet HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 07/01/2017 06/30/2018
More informationFEEL 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 information2018 Open Enrollment Guide
2018 Open Enrollment Guide Important Change to Spousal Coverage Explained Inside: See page 3 What s Inside Welcome to Open Enrollment 1 What is Open Enrollment? 2 What s New for 2018 3 How to Enroll &
More informationCALCPA HEALTH PLAN EZ GUIDE
CALCPA HEALTH PLAN EZ GUIDE 5 Star Health Plans - 5 Star Service exclusively for CalCPA members and firms since 1959 CalCPA Health Table of Contents Why CalCPA Health?...2 Eligibility...3 Provider Networks...4
More informationRetiree Medicare Solutions With a Personal Touch. Ted O Connor Borislow Insurance (781)
Retiree Medicare Solutions With a Personal Touch Ted O Connor Borislow Insurance ted@borislow.com (781) 879-8434 Various Parts of Medicare Which Parts work together? Part A Inpatient Hospital Care Part
More informationKNOW your BENEFITS. Do you have questions about your medical or prescription drug coverage?
2015 BENEFITS GUIDE We are pleased to announce that we will be renewing our medical and pharmacy benefit plans with Florida Blue for 2015. This Benefit Guide provides important information and details
More informationStride SM (HMO) Medicare Advantage Plan
Massachusetts 2017 Stride SM (HMO) Medicare Advantage Plan In Step With Your Health Care Coverage Needs Y0098_17001 Accepted Welcome Letter...3 Introduction to Medicare Basics...4 Stride SM (HMO) Plan
More informationTouro University Student Health Insurance Plan Overview
Touro University 2017-2018 Student Health Insurance Plan Overview Health Insurance Basics Because the U.S. does not offer free medical care to the general public, and medical care is very expensive, having
More informationThe Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Maine The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family Plan Type:
More informationYour Aetna catastrophic plan option
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Your Aetna catastrophic plan option Catastrophic plans generally have lower monthly payments, and recommended
More informationENROLLMENT. Your Benefits Your Choice! Open Enrollment Meetings. Active Employees. Working Spouse Rule
Your Benefits Your Choice! Active Employees It is once again time to make some important decisions regarding your insurance needs. is holding open enrollment from November 1 to November 20, 2015. We encourage
More informationMEMORANDUM BACKGROUND
MEMORANDUM To: Health Connector Board of Directors Cc: Louis Gutiérrez, Executive Director From: Maria Joy Dawley, Senior Product Manager, Health & Dental Plans Emily Brice, Deputy Chief of Policy & Strategy
More informationSmall Business Plan Portfolio
2018 Small Business Plan Portfolio 2018 Small Business Plan Pairing Options Most Small Group plans can be combined, please see restrictions below. This allows you to offer your employees up to three plans
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 informationStride (HMO) Medicare Advantage Plan
New Hampshire 2018 Stride (HMO) SM Medicare Advantage Plan In Step with your Health Care Coverage Needs Y0098_18008 Approved Welcome Letter...3 Introduction to Medicare Basics...4 Stride SM (HMO) Plan
More informationThe Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 07/01/2017 06/30/2018 Coverage for: Individual + Family
More informationAnnual Benefits Enrollment Core
2018 Annual Core Long-Term Disability Long-Term Care FOCUSING ON YOUR HEALTH LEARN MORE INSIDE 2 Annual for 2018 is here, and we want to update you on the benefit programs offered to eligible faculty and
More information2019 Benefits Open Enrollment. High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Deep Dive LEWIS & CLARK COLLEGE
2019 Benefits Open Enrollment High Deductible Health Plan (HDHP) with Health Savings Account (HSA) Deep Dive LEWIS & CLARK COLLEGE AGENDA What is a High Deductible Health Plan (HDHP) with Health Savings
More informationThe Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 07/01/2017 06/30/2018 Coverage for: Individual + Family
More information2018 Retiree Medical Premiums and Coverage Summary MAP Plus - Option 1 Low Deductible
MAP Plus - Option 1 Low Deductible You and your SP of Record/DP of Record both are Pre-Medicare Eligible Retiree + + $462.00 $923.00 $923.00 $1,385.00 You are Medicare Eligible and your SP of Record/ DP
More informationCalifornia Renewal Instructions
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions California Renewal Instructions Easy steps to renew your coverage For 2 50 eligible employees Effective for groups
More informationMedical Plan Summary: PPO Core Plan
Medical Plan Summary: PPO Core Plan Healthcare is one of the most important and necessary parts of your benefit package. The following is a summary of our benefit plan. For a more detailed explanation
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 informationAnnual Notice of Changes for 2018
HMO Basic No Rx (Medicare Advantage HMO) offered by Tufts Health Plan Medicare Preferred Annual Notice of Changes for 2018 You are currently enrolled as a member of Tufts Medicare Preferred HMO Basic No
More informationThe Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family
More informationThe Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim Best Buy HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual
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.crystalrunhp.com or by calling 1-844-638-6506. Important
More informationOPEN ENROLLMENT GUIDE
2019 BENEFITS OPEN ENROLLMENT GUIDE October 31 November 14, 2018 Harvard Staff Members in the Bargaining Units of ATC, HUCTW, HUPA, HUSPMGU, Local 26, and SEIU Custodians MAKE IT YOUR HARVARD BENEFITS
More informationFrequently Asked Questions For New England Conservatory Students Student Health Insurance Plan
Frequently Asked Questions For New England Conservatory Students 2017-2018 Student Health Insurance Plan Table of Contents How do I?... 2 Insurance Plan Benefits... 4 What is covered under the Student
More informationPlan highlights and rates. Effective January to June 2011
Plan highlights and rates Effective January to June 2011 2011 Small Business RATE AREA 4 Contents 2 3 4 5 6 7 8 9 10 11 12 13 14 15 17 Copayment plans Predictable out-of-pocket costs and no annual deductible
More informationCommonwealth Choice 2013 Seal of Approval
Commonwealth Choice 2013 Seal of Approval Sarah Stephany Plan Management Coordinator Jean Yang Chief Financial Officer Board of Directors Meeting September 13, 2012 Agenda Current Commonwealth Choice Product
More information2019 MEDICARE. summary of benefits. advantage plan. Serving Members in Klamath County
2019 MEDICARE advantage plan summary of benefits Serving Members in Klamath County Table of Contents About the Summary of Benefits and Who Can Join... 1 Which doctors, hospitals and pharmacies can I use?...
More informationDear Plan Participant,
Dear Plan Participant, Each year you have the opportunity to review your current health insurance benefits and make changes to these benefits for the upcoming plan year. This year s open enrollment period
More informationThe Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family
More informationThe Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services
Massachusetts The Harvard Pilgrim HMO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 01/01/2018 12/31/2018 Coverage for: Individual + Family
More informationCity of Newport News
Phone (757) 926-3929 City of Newport News Department of Finance 2400 Washington Avenue Newport News, Virginia 23607 October 8, 2018 Fax (757) 926-8894 Dear City of Newport News Pre-65 Retiree and/or Spouse:
More informationGettysburg College Open Enrollment Decision Considerations
Gettysburg College Open Enrollment Decision Considerations Consideration #1 - Payroll Deduction Consider the difference in Payroll Deduction Premium-share for your salary band and coverage category. For
More informationHarvard Pilgrim s Stride (HMO) Medicare Advantage Plan
HP19ANOCNHBASIC 2019 Harvard Pilgrim s Stride (HMO) Medicare Advantage Plan Annual Notice of Changes Basic Rx New Hampshire Y0098_19020_M Stride SM Basic Rx (HMO) offered by Harvard Pilgrim Health Care
More informationAnnual Notice of Changes for 2019
Stride SM Value Rx (HMO) offered by Harvard Pilgrim Health Care, Inc. Annual Notice of Changes for 2019 You are currently enrolled as a member of Stride SM Value Rx (HMO). Next year, there will be some
More informationWellesley College Health Insurance Program Information
Wellesley College Health Insurance Program Information Beginning August 15, 2014 Health Services All Wellesley College students, including Davis Scholars and Exchange students are encouraged to seek services
More informationNC Aetna Gold PPO /50 NC Aetna Gold PPO /50 NC Aetna Gold PPO /50 NC Aetna Gold PPO /70 HSA Umb
PPOMedical NC 01/01/2016 NC Aetna Gold PPO 500 80/50 NC Aetna Gold PPO 1000 80/50 NC Aetna Gold PPO 1500 80/50 NC Aetna Gold PPO 1750 100/70 HSA Umb Plan year (Individual/Family) /$1,000 $3,000/$6,000
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 informationStride (HMO) Medicare Advantage Plan
Maine 2018 Stride (HMO) Medicare Advantage Plan SM In Step With Your Health Care Coverage Needs Y0098_18012 Approved Welcome Letter...3 Introduction to Medicare Basics...4 Stride SM (HMO) Plan overview...5
More information2018 PLAN UPDATES. What s new for Washington s Clark and Cowlitz counties small business group plans WASHINGTON
2018 PLAN UPDATES What s new for Washington s Clark and Cowlitz counties small business group plans WASHINGTON 2018 This booklet contains a summary of important information you will want to know about
More informationAll students are automatically enrolled in SMC-SHIP unless you successfully waive the insurance online. ***The waiver deadline is.
IMPORTANT INFORMATION REGARDING INSURANCE WAIVERS Dear Students and Parents: Saint Mary s College (SMC) requires all full-time undergraduate students to have adequate health and accident insurance. The
More informationHealth New England: HNE HMO Bronze A Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Health New England: HNE HMO Bronze A Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: Coverage for: Individual + Family Plan Type: HDHP HMO This is only a summary.
More information