HOW CAN I BE A BETTER HEALTHCARE CONSUMER? MOTT COMMUNITY COLLEGE. Chadd Hodkinson SET SEG Employee Benefit Services Senior Benefit Consultant
|
|
- Richard Norman
- 6 years ago
- Views:
Transcription
1 HOW CAN I BE A BETTER HEALTHCARE CONSUMER? MOTT COMMUNITY COLLEGE Chadd Hodkinson SET SEG Employee Benefit Services Senior Benefit Consultant
2 The content in this presentation is informational. Each employee should review the benefit summary and network information specific to their plan and discuss specific circumstances and questions with their carrier.
3 TOPICS OF DISCUSSION What makes a wise healthcare consumer? Why should I become a wise healthcare consumer? How can I become a wise healthcare consumer? What resources are available to me?
4 WHAT MAKES A WISE HEALTHCARE CONSUMER? Wise Healthcare Consumers: Know how to choose a healthcare plan to fit their family Choose their care providers carefully Ask questions about procedures Practice preventative care Understand their prescriptions Review bills and EOBs
5 WHY SHOULD I BE A WISE HEALTHCARE CONSUMER? Control your healthcare costs When members o engage in conversations with their doctors o access in-network doctors/facilities o ask questions before partaking in expensive medical procedures they can save money
6 HOW CAN I BECOME A WISE HEALTHCARE CONSUMER? Educate Yourself o Make more conscientious healthcare decisions Put in Effort o Become more engaged with your healthcare
7 IN-NETWORK DOCTORS AND FACILITIES In-network providers have agreed to see patients at lower, negotiated rates of service, saving you money Out of pocket costs (deductible, coinsurance, copayments) are lower when visiting an in-network doctor or facility
8 MAKING THE MOST OUT OF DOCTOR VISITS According to a study by UCLA, patients usually have questions, but ask them less than 10% of the time Before you see a provider, prepare a list of questions about: o o o o o Symptoms Diagnosis Treatments Medications Testing
9 MAKING THE MOST OUT OF DOCTOR VISITS Be able to describe your symptoms. Describe your problem Are you in pain? When did the problem start? Has it changed since then? What makes it go away? Have you felt like this before? If so, when? Have you had any other symptoms (e.g., fever, shortness of breath, insomnia, nausea)
10 MAKING THE MOST OUT OF DOCTOR VISITS Ask questions about your diagnosis. How certain are you about this diagnosis? Are there additional symptoms to look for? Will this diagnosis increase my risk for other conditions? If so, are they preventable? Is my condition chronic or acute? Is my condition contagious?
11 MAKING THE MOST OUT OF DOCTOR VISITS Ask questions about your treatment. Why would this treatment be good for me? What are the chances it will work? How much will this treatment cost? Will this treatment cause any side effects? Are there other treatment options?
12 MAKING THE MOST OUT OF DOCTOR VISITS Ask questions about your prescription medication. What will this medicine do? When, how often, and for how long should I take it? Could there be side effects? What should I do if they occur? Is this medicine OK to take with other medications? Is there anything I shouldn't do while taking the medicine? Is there a less-expensive, generic equivalent?
13 MAKING THE MOST OUT OF DOCTOR VISITS Ask questions about your test. How will this test tell what is wrong? How accurate is the test? Is the test invasive or non-invasive? Where will I go for the test? How and when will I get the test results? Will more tests be needed? Is this test necessary? If so, why?
14 MAKING THE MOST OUT OF DOCTOR VISITS Provide as much background information as possible. Medical history and your family's medical history Allergies Medications you re taking Daily habits (e.g., how much you sleep, whether or not you smoke) Occupation Pressures/stress
15 HIGH DEDUCTIBLE HEALTH PLANS (HDHP) Have a deductible of at least $1,300 for a single person and $2,600 for a couple or family Employee pays 100% (except for preventive care) of medical and prescription drug costs (less any carrier discounts) until deductible is met Copays do not apply until deductible is met
16 HIGH DEDUCTIBLE HEALTH PLANS (HDHP) HDHPs encourage member engagement and awareness of costs Employees generally look for ways to decrease their own healthcare spending HDHPs can help generate discussion between members and health care providers
17 HIGH DEDUCTIBLE HEALTH PLANS (HDHP) Monthly premiums are typically far less than a traditional plan Premium savings can be contributed tax free to a health savings account (HSA) In years when less healthcare is needed, savings stay with the member In years when more healthcare is needed, overall spending (premium cost share and deductible/copays) is generally less than with a traditional plan
18 HEALTH SAVINGS ACCOUNT (HSA) The account and its contents belong to you (not your employer) Rolls over year after year (no use it or lose it ) Fully portable should you decide to leave the high deductible plan or the college Accessible in retirement
19 HEALTH SAVINGS ACCOUNT (HSA) Money goes in tax free, can grow tax free and comes out tax free (if spent on approved medical expenses) Can save 25% or more on medical expenses if HSA contributions are made through payroll deductions (Use on dental or vision expenses to increase overall savings) Cannot contribute to an HSA if enrolled in a nonqualified health plan (including Medicare)
20 EMERGENCY ROOM, URGENT CARE OR PRIMARY CARE? Know when to seek medical care at the ER, Urgent Care or through your primary care physician Seeing a primary care physician is substantially cheaper than visiting an Urgent Care or ER If you think it might be an emergency, go to the emergency room!
21 PRIMARY CARE, URGENT CARE PRIMARY CARE URGENT CARE EMERGENCY & EMERGENCY CARE? Hours Typical business hours: 9 a.m. 5 p.m. Typical business hours, but also weeknights and weekends 24/7 Accessibility Typically by appointment Walk-In or by appointment Walk-In Uses Checkups, physicals, illnesses that can wait for an appointment Acute illness (rapid onset and short duration; regulated with OTC prescriptions) Threat to life or limb
22 SAMPLE COSTS: Urgent Care Emergency Room Acute bronchitis: $127 Earache: $110 Sore throat: $94 Sinusitis: $112 Upper respiratory infection: $111 Acute Bronchitis: $595 Earache: $400 Sore throat: $525 Sinusitis: $617 Upper respiratory infection: $486
23 PREVENTIVE SERVICES Approved services are covered at 100% for plan enrollees with no deductible or copay liability (no enrollee out of pocket cost) Services must be received in-network o Ex: annual physicals, well baby check-ups, some immunizations, etc. Confirm with carrier that scheduled services are preventive
24 MANAGE CHRONIC CONDITIONS Although it s not considered preventive, it is often less costly to manage a condition rather than to treat an unmanaged condition Learning to control your condition can help you: o Improve your quality of life o Save money o Avoid disability o Prevent untimely death
25 PRESCRIPTION MEDICATION MANAGEMENT Talking to your doctor about generic alternatives can save large amounts of money If it is determined by your doctor that the name brand will work best for your condition, prior authorization may be required
26 PRESCRIPTION MEDICATION MANAGEMENT Always ask for a generic medicine Remind pharmacy to use prescription card Ask pharmacy if the claim went through Blue Cross Ask doctor for a 90 day prescription for maintenance drugs The majority of Tier 3 drugs have a less expensive alternative or equivalent in Tier 1 & Tier 2
27 PROVIDER BILLS AND EXPLANATION OF BENEFITS (EOBs) Medical billing is complicated and mistakes happen Review your bills as they come in from providers to make sure services you were charged for were rendered Contact the provider if you believe there is an error Compare the charges and member responsibility on your bill to the amounts listed on your EOBs
28 PROVIDER BILLS AND EXPLANATION OF BENEFITS (EOBs) Your EOB is a window into your medical billing history Review EOBs carefully to make sure: o you received the service you re being billed for o the amount your doctor received and your share are correct o your diagnosis and procedure are correctly listed and coded
29 HOW TO READ A PROVIDER BILL Ensure your insurance is on file/was applied Ensure services you were charged for were services you received Find your patient responsibility total Find out where you can pay Locate a customer service number if you have questions or find an error
30 Ensure insurance is on file/was applied Find your patient responsibility total Find out where to pay provider Ensure services you were charged for were services you received Contact customer service if you have a question or there is an error
31 HOW TO READ AN EXPLANATION OF BENEFITS (EOB) Ensure your personal information is correct to avoid processing errors Compare charges on an individual basis Make sure charges match bill provider has sent (date of service, services rendered and approved charges) If you find an error, contact provider and/or Blue Cross
32 EOB SAMPLE:
33 EOB SAMPLE:
34 EOB SAMPLE:
35 EOB SAMPLE:
36 EOB SAMPLE:
37 EOB SAMPLE:
38 WHAT RESOURCES ARE AVAILABLE? Online health assessment Informational resource library, calculators and quizzes Smoking cessation tools Blue Cross Blue Shield s website also offers ratings and other information about providers and facilities
39 Compare ratings of Providers Find out if Provider accepts your plan
40 BLUE CROSS BLUE SHIELD OF MICHIGAN TRANSPARENCY TOOL
41 WHAT RESOURCES ARE AVAILABLE? WebMD provides information on various conditions Knowledge empowers you to ask your doctors questions about generic prescriptions, alternative therapies and recommended procedures after a diagnosis as been received
42 Tools and Resources can aide in education General Overview for education
43 WHAT RESOURCES ARE AVAILABLE? GuRoo allows members to price shop medical procedures Provides national average pricing Powered by the Health Care Cost Institute Described as an independent, nonprofit organization oriented to provide honest, clear insight into health care costs
44
45 WHAT RESOURCES ARE AVAILABLE? Healthcare Blue Book also provides a tool for pricing surgeries, testing, medication and more Provides local pricing Partners with organizations and providers who strive to be transparent Prices are based on information gathered from these partners
46 Local prices of procedures
47 Alternative options
48 Healthcare Blue book offers a variety of services to price shop
49 WHAT RESOURCES ARE AVAILABLE? The Agency for Healthcare Research and Quality educational videos Question Builder for doctor visits Health Priorities self-assessment and free printed materials The American Institute of Preventative Medicine An authority on the development and implementation of health promotion, wellness, medical self-care, and disease management programs and publications
50 QUESTIONS?
HOW TO CHOOSE A MEDICAL PLAN MOTT COMMUNITY COLLEGE
HOW TO CHOOSE A MEDICAL PLAN MOTT COMMUNITY COLLEGE Chadd Hodkinson SET SEG Employee Benefit Services Account Executive The content in this presentation is informational. Each employee should review the
More informationIntroducing the benefits of the HDHP. Get the most out of the High Deductible Health Plan
Introducing the benefits of the HDHP Get the most out of the High Deductible Health Plan HDHP Comparing the HDHP to Lehigh s other health plan offerings. There are many similarities between the HDHP and
More informationST. OLAF COLLEGE 2014 Employee Benefit Meeting May 2014
ST. OLAF COLLEGE 2014 Employee Benefit Meeting May 2014 Sarah Dahl Client Advisor 7225 Northland Drive North, Minneapolis, MN 55428 Disclaimer The benefits outlined throughout this presentation reflect
More informationUnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide
UnitedHealthcare Choice Plus Health Savings Account (HSA) Plans User Guide Tips for Healthy Saving and Spending CHOOSE HEALTH. SPEND WISELY. We are committed to offering you a comprehensive benefits program
More 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 informationGuide to the Health Investment Option with Health Savings Account (HSA) Make the most of your Fordham medical benefits, all year round
Guide to the Health Investment Option with Health Savings Account (HSA) Make the most of your Fordham medical benefits, all year round Fordham cares about your health and is committed to helping you make
More informationHealth Benefits 101. Your plans, plain and simple
Health Benefits 101 Your plans, plain and simple If you don t really understand health insurance, you re not alone. Here s a handy guide with straightforward explanations about plans, payments and ways
More informationMAKE THE MOST OF YOUR HEALTH PLAN
CONGRATULATIONS! You enrolled in the HSA Gold Plan or the HSA Silver Plan. This guide will provide tips and tools to help you save money while giving you more control over your health care spending. Get
More informationYOU AND THE 2019 CONSUMER DRIVEN HEALTH PLAN (CDHP)
YOU AND THE 2019 CONSUMER DRIVEN HEALTH PLAN (CDHP) The Consumer Driven Health Plan (CDHP), coupled with a Health Savings Account (HSA), is an innovative health plan that helps to reduce healthcare costs.
More informationGlossary of Terms. Adjudication: The way a health plan decides how much it will pay for certain expenses.
Page 1 Glossary of Terms Adjudication: The way a health plan decides how much it will pay for certain expenses. Affordable Care Act (ACA): The comprehensive health care reform law enacted in March 2010.
More informationEaton Frequently Asked Questions
Eaton 2018 Medical Plan Options Frequently Asked Questions Table of Contents Eaton Medical Plan... 2 Medical Plan Options... 2 ID Cards... 2 Mechanics of Both Medical Plan Options... 3 Key Plan Features...
More informationEmployee Benefits Open Enrollment 2019
Employee Benefits Open Enrollment 2019 Benefits Wellness Reward!!! You will receive a wellness reward toward reducing your health premiums when you do the following: 1. Completed a health risk assessment
More informationHealth Savings Account (HSA) Plan User Guide
Page 1 Health Savings Account (HSA) Plan User Guide Welcome to Symantec s Health Savings Account (HSA) Plan You ve enrolled in the Health Savings Account (HSA) Plan, a medical plan option that represents
More informationMedical Plan Comparison. Central Care Plan
Medical Plan Comparison Central Care Plan Benefits Open Enrollment Elections Required IMPORTANT! All benefit-eligible employees will be required to actively elect benefits online via CMU Choices for: Dental
More informationPPO $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 informationUnderstanding the Consumer Driven Health Plan. and Health Savings Account
Understanding the Consumer Driven Health Plan and Health Savings Account The Consumer-Driven Health Plan (CDHP), coupled with a Health Savings Account (HSA), is an innovative health plan that helps to
More informationApril 23 May 19 Benefits Effective July 1, 2018
April 23 May 19 Benefits Effective July 1, 2018 TODAY S TOPICS Open Enrollment McGohan Brabender: Who we are and how can we help you? Core Benefits Medical/Rx Benefits Dental Benefits Vision Benefits Life
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 informationWelcome to your Premera health plan
Welcome to your Premera health plan Plug in to the power of your plan Power up your plan at premera.com Find in-network doctors, urgent care, pharmacies, and hospitals. Get details of your plan in your
More informationWellCare Benefit Plan
WellCare Benefit Plan Presented to: WellCare Advisory Committee 9/21/2006 Presented by: Tom Boyd, Executive Vice President Blue Cross & Blue Shield of RI Agenda Review Recommendations from WellCare Advisory
More informationUnderstanding Your Medicare Options. Medicare Made Clear
Understanding Your Medicare Options Medicare Made Clear Top Medicare questions 1 Who is eligible for Medicare? 2 What are my coverage options? 3 When can I enroll? 4 What are my next steps? 5 Once I am
More informationTake control of your health with CIGNA
Take control of your health with CIGNA Only CIGNA offers: More than $500 in incentive rewards up to $275 for individuals and $550 for SHBP subsribers and their covered spouses who participate in our health
More informationMake It Yours. It s time to picture how you ll benefit from your medical plan. Aon Active Health Exchange. Your 2015 Medical Plan User s Guide
Aon Active Health Exchange It s time to picture how you ll benefit from your medical plan. Make It Yours Your 2015 Medical Plan User s Guide Bronze & Bronze Plus THE BASICS When you enrolled, you decided
More informationOpen Enrollment. November 5 to November 23, pg. 1
Open Enrollment November 5 to November 23, 2018 pg. 1 Table of Contents General Information. 3 Open Enrollment Checklist.. 4 What s New for 2019?... 5 NEW Optional Life Insurance. 6 2019 Employee Premiums
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 informationIf you are healthy it is difficult to
Look inside for money saving tips, key terms and FAs. Making The Most of your Insurance Days a Year Essential Health Benefits Defined by the Affordable Act These categories of coverage ensure comprehensive
More information2018 HRA Core Plan Member Guide. Aetna, Anthem, Cigna, CVS Caremark
2018 HRA Core Plan Member Guide Aetna, Anthem, Cigna, CVS Caremark What s Inside 3 Your Medical and Prescription Drug ID Cards 4 Plan Features 6 Health Reimbursement Account 8 Your Non-Emergency Care Options
More informationGuide to the Enhanced Standard Option with Health Reimbursement Account (HRA) Make the most of your Fordham medical benefits, all year round
Guide to the Enhanced Standard Option with Health Reimbursement Account (HRA) Make the most of your Fordham medical benefits, all year round Fordham cares about your health and is committed to helping
More informationConsumer Driven Health Plan (CDHP) with Health Savings Account (HSA)
Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document
More informationIntroduction to the High Deductible Health Plan and Health Savings Account HDHP + HSA 10/24/2017
Introduction to the High Deductible Health Plan and Health Savings Account 2 Why are we introducing a new health plan? DID YOU KNOW? About 70% of employers offer an HDHP option HDHPs have become increasingly
More informationIndividual & Family Products Comparison Chart
Individual & Family Products 2014 Comparison Chart Plan Description All Plan Features: Our 6 unique plans are designed for Arizonans in every stage of life. Choose a plan that works best for you or your
More informationNEW for 2019 High Deductible Health Plan
NEW for 2019 High Deductible Health Plan In addition to the Standard and Choice PPO plans, Larimer County will be offering a third option for the 2019 plan year. What? Why? The IRS defines a high deductible
More informationAgenda. Annual Benefit Enrollment What s New in 2019? Next Steps Questions?
2019 BENEFITS SSA Agenda Annual Benefit Enrollment What s New in 2019? Next Steps Questions? 2 Annual Benefit Enrollment Annual Enrollment is the time of the year to: Review benefit plan options Change
More informationA closer look at your new medical plan options
We re Making Changes for 2012 A closer look at your new medical plan options Be ready to make your best choice during Annual Enrollment: Tuesday, October 4, through Tuesday, October 25 Powering you to
More informationAnnual Notice of Changes for 2019
VIVA MEDICARE Me (HMO) offered by VIVA HEALTH, Inc. Annual Notice of Changes for 2019 You are currently enrolled as a member of VIVA MEDICARE Me. Next year, there will be some changes to the plan s costs
More informationHSA Frequently Asked Questions
HSA Frequently Asked Questions Overview Q1. WHAT IS A HEALTH SAVINGS ACCOUNT (HSA)? An HSA is a tax-exempt trust or custodial account established exclusively for the purpose of paying qualified medical
More informationReady, Set, Enroll! Take Action For Benefits
Ready, Set, Enroll! Take Action For Benefits KEY CHANGES FOR OPEN ENROLLMENT 1. Active Open Enrollment 2. Single sign-on for BenefitFocus through mybama 3. Pharmacy Benefit changing to Prime Therapeutics
More informationRetiree Medical and Life Insurance
Retiree Medical and Life Insurance Eligibility Full-time employees are eligible for retiree medical and life insurance based on their date of employment: o Before July 1, 2004. You are eligible for retiree
More informationMIT Affiliate Health Plans
MIT Affiliate Health Plans 2017 2018 Overview In this book: Insurance plans and rates How to enroll Your medical benefits Commonly used terms Useful contact information 1 Insurance plans and rates MIT
More informationAnnual Notice of Changes for 2015
Forever Blue Medicare PPO 751 offered by BlueCross BlueShield of Western New York Annual Notice of Changes for 2015 You are currently enrolled as a member of Forever Blue Medicare PPO 751. Next year, there
More informationHealth Insurance Shopping Comparison Worksheet
Health Insurance Shopping Comparison Worksheet There is more to shopping for health insurance than just finding the lowest premium. What you pay each month for health insurance (the premium) is important,
More informationCIBT 2012 Open Enrollment
CIBT Open Enrollment Open Enrollment is from November 21, 2011 to December 9, 2011. CIBT's Role Just as your life changes, so do your benefit needs. Don t miss your once-a-year opportunity to make new
More informationEast Hartford BOE (Administrators) 2014 High Deductible Health Plan Information Meeting L O C K T O N C O M P A N I E S
East Hartford BOE (Administrators) 2014 High Deductible Health Plan Information Meeting L O C K T O N C O M P A N I E S 2014 Health & Welfare Benefits July 1, 2014 there will be no change to our current
More informationBE READY FOR ANYTHING
BE READY FOR ANYTHING Learn What You Need to Know About Your 2019 Highmark Blue Cross Blue Shield Delaware Coverage Options Benefit Period: January 1 to December 31, 2019 2019 HEALTH INSURANCE 2 CONNECTING
More informationUnderstanding Health Care Coverage
Individual & Family Plans Understanding Health Care Coverage Brought to you by Health Net of California, Inc. and Health Net Life Insurance Company (Health Net) Words to know Sometimes it seems like health
More informationDecision Guide Regence Medicare Advantage HMO Plan
2016 Decision Guide Regence Medicare Advantage HMO Plan Regence BlueShield serves select counties in the state of Washington and is an Independent Licensee of the Blue Cross and Blue Shield Association
More informationIt s more than coverage. It s care. BlueSelect. Individual and Family
It s more than coverage. It s care. BlueSelect Individual and Family STEP ONE Coverage Levels u Understand the differences and find your best fit Gold Plans Plan pays, on average, 80% of your healthcare
More informationGetting started with Medicare
Getting started with Medicare Look inside to: Learn about Medicare Find out about coverage and costs Discover when to enroll Medicare Made Clear Learning about Medicare can be like learning a new language.
More informationYOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT
YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT Your health plan plus a health savings account JM Huber 2016 Offered by Cigna Health and Life Insurance Company or Connecticut General Life Insurance Company
More informationBlueOptions. Making the Important Choices Easier. floridablue.com. Enrollment Guide For Group Employees
BlueOptions Enrollment Guide For Group Employees Making the Important Choices Easier. floridablue.com Health plan benefits Enrolling in your benefits When your employer offers Florida Blue benefits, we
More informationOpen Enrollment Starts April 10, 2017
Benefits Enrollment Guide 2017 2018 For Benefits Effective July 1, 2017 Welcome to 2017 2018 Open Enrollment for Gilbert Public Schools (GPS). During the plan year, July 1, 2017 through June 30, 2018,
More informationHow to Use a High Deductible Plan
How to Use a High Deductible Plan The Diocese of Kansas is offering a High Deductible Health Plan / Health Savings Account (HDHP/HSA) for 2012. You can find the details of this plan in the Summary Plan
More informationYour complimentary Medicare Guidebook
Learn Protect Assess Enroll Your complimentary Medicare Guidebook Learn Original Medicare... 4 Medicare Prescription Drug Coverage.............. 6 Medicare Supplement Insurance... 8 Medicare Advantage...
More informationHealth Insurance Terms You Need To Know
From [C_Officialname] Health Insurance Terms You Need To Know The health care system in the United States can be confusing. In order to get the most out of your health care benefits, you need to understand
More informationSummary of Benefits Anthem Balanced Funding PPO / % 10/30/50/30%
Summary of Benefits Anthem Balanced Funding PPO 3 25-1000/4000-80% 10/30/50/30% PART A: TYPE OF COVERAGE 1. TYPE OF PLAN Preferred provider plan 2. OUT-OF-NETWORK CARE COVERED? 1 Yes, but the patient pays
More informationMCHO Informational Series
MCHO Informational Series Glossary of Health Insurance & Medical Terminology How to use this glossary This glossary has many commonly used terms, but isn t a full list. These glossary terms and definitions
More informationSanta Paula Unified School District (SPUSD) Health Savings Account (HSA) FAQs
Santa Paula Unified School District (SPUSD) Health Savings Account (HSA) FAQs Does SPUSD offer a Health Savings Account (HSA) option for medical benefits? Starting with the 2016-2017 Benefit Plan Year,
More informationMEDICAL PLAN UPDATED EFFECTIVE 10/1/2017. Employee Benefits Guide
MEDICAL PLAN UPDATED EFFECTIVE 10/1/2017 Employee Benefits Guide 2017 2017-2018 Benefit Summary Welcome to MJ Management s 2017-2018 Open Enrollment the time where all eligible employees are able to make
More informationWhat to Know About Your Health Plan
What to Know About Your Health Plan 1 Given the ever changing nature of health care, it s no surprise many people have a diffcult time understanding their health benefts. However, learning the basics of
More informationNEXT : Eligibility guidelines of a Health Savings Account.
Issue 1 What is a Health Savings Account (HSA)? A health savings account is a special tax-advantaged account owned by an individual where contributions to the account are to pay for current and future
More information2016 Open Enrollment Presentation
2016 Open Enrollment Presentation Agenda Provider Changes Open Enrollment Information Compass Professional Health Services Explanation of each benefit plan Health Savings Accounts (HSA) Premiums Gallagher
More informationGet to know your benefits. Bristol-Myers Squibb 2018 Benefits Guide. Annual Enrollment is OCTOBER 23RD NOVEMBER 10TH, 2017 welcometouhc.
Get to know your benefits. Bristol-Myers Squibb 2018 Benefits Guide Annual Enrollment is OCTOBER 23RD NOVEMBER 10TH, 2017 welcometouhc.com/bms Knowing your benefits helps you make more informed choices.
More informationMedical Plan Options (Traditional + Flexible Spending vs. High Deductible Health Plan + Health Savings)
Medical Plan Options (Traditional + Flexible Spending vs. High Deductible Health Plan + Health Savings) SUU Human Resources May/June 2018 SUU HDHP & HSA Presentation 1 Differences between Traditional &
More informationFrequently Asked Questions: The Health Savings Plan
Frequently Asked Questions: The Health Savings Plan Comparing the Plans What are the major differences between the Health Savings Plan (HDHP) and the Traditional Plan (PPO)? The two plans have been designed
More informationGetting started with Medicare
Getting started with Medicare Welcome You have important decisions to make when you become eligible for Medicare. Our goal is to help you understand your options and feel confident about choosing coverage
More informationGet the Plan That Fills the Gap 2019 SHORT-TERM HEALTH PLANS FROM BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA
Blue SM Term Get the Plan That Fills the Gap 2019 SHORT-TERM HEALTH PLANS FROM BLUE CROSS BLUE SHIELD OF SOUTH CAROLINA Short-Term Plans Built on Long Experience Covering South Carolinians BlueCross BlueShield
More informationFrequently Asked Questions about the High Deductible (HDHP) HMO Plan with Health Savings Account (HSA)
Frequently Asked Questions about the High Deductible (HDHP) HMO Plan with Health Savings Account (HSA) The following questions and answers will help you better understand the High Deductible HMO Plan (HDHP)
More informationFrequently Asked Questions High-Deductible Health Plan (HDHP) with Health Savings Account (HSA)
Frequently Asked Questions High-Deductible Health Plan (HDHP) with Health Savings Account (HSA) BASICS OF A HIGH-DEDUCTIBLE HEALTH PLAN (HDHP) What is a high-deductible health plan (HDHP)? An HDHP is a
More information2018 Retiree Benefits Update
2018 Retiree Benefits Update October 2017 Agenda Introduction Medical Identity Theft Post-65 Retiree Medical & Prescription Drugs Medicare Supplement Plan G - NEW! Pre-65 Retiree Medical & Prescription
More informationFrequently Asked Questions 2018 Annual Enrollment
The Annual Enrollment window will open on Monday, Oct. 9 to make 2018 benefit elections. Failure to enroll by Monday, Oct. 23 will result in no coverage for 2018. Visit windstreambenefits.com to enroll.
More informationAre your employees selecting the right health plan?
Are your employees selecting the right health plan? July 24, 2018 This information is intended for internal use within Webster and HSA Bank and, as such, is not for external or public use 2018 HSA Bank.
More informationCLARIFYING INSURANCE CLAIMS What is an Insurance Claim?
CLARIFYING INSURANCE CLAIMS What is an Insurance Claim? Often those in the scleroderma community find themselves frequenting health care providers and being left with mounds of invoices and bills. Medical
More informationYour Benefit Summary HSA Qualified 6650 Bronze - Signature Network
Your Benefit Summary HSA Qualified 6650 Bronze - Signature Network Providence Signature Network Individual Calendar Year Deductible (family amount is 2 times individual) $6,650 Individual Out-of-Pocket
More informationAnnual Notice of Changes for 2018
VIVA MEDICARE Me (HMO) offered by VIVA HEALTH, INC. Annual Notice of Changes for 2018 You are currently enrolled as a member of VIVA MEDICARE Me. Next year, there will be some changes to the plan s costs
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 informationALL ELIGIBLE PARTICIPANTS OF THE MICHIGAN LABORERS HEALTH CARE FUND (FUND) Q. Who is affected by the benefit changes?
August 2018 To: ALL ELIGIBLE PARTICIPANTS OF THE MICHIGAN LABORERS HEALTH CARE FUND (FUND) Re: Summary of Material Modification for Medical, Prescription Drugs, Maximum Out-of-Pocket Limits and Vision
More information2016 Benefits Open Enrollment
2016 Benefits Open Enrollment Discussion Topics Your Health Care Benefits in 2016 Two new Health Plan options Health Savings Account Selecting a Health Plan Option ALEX a new, interactive, online tool!
More informationYour Health Insurance: Questions and Answers
Your Health Insurance: Questions and Answers This simple guide will help you understand how to use and keep your health insurance Meet four people with questions about their health insurance: George is
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 informationEmployee Benefits Guide
Employee Benefits Guide 2016 2016-2017 Benefit Summary Welcome to MJ Management s 2016-2017 Open Enrollment the time where all eligible employees are able to make changes to their benefit elections. Decisions
More informationOpen Enrollment for Health Benefit Plans
Open Enrollment for Health Benefit Plans October 20 October 31, 2014 Health Benefits Open Enrollment Enroll in any of the health benefit plans Change your medical plan Change your dental or vision plan
More informationWhat s new for 2018? IRS rules mandate HSA $2600 be updated to a $2700 deductible. Increase in premiums high claims - loss ratio at 93%
What s new for 2018? IRS rules mandate HSA $2600 be updated to a $2700 deductible Increase in premiums high claims - loss ratio at 93% Adding a new HSA $4000 - great for people that have accumulated some
More informationClick on a section or question to be taken directly to the answer you re looking for, or read through all the questions and answers.
Frequently Asked Questions: HDHP with HSA 2012 Annual Enrollment Table of Contents Click on a section or question to be taken directly to the answer you re looking for, or read through all the questions
More informationOpen Enrollment. and Summary of Material Modifications. prepared for
2014 Open Enrollment and Summary of Material Modifications prepared for Medical, Dental, Vision, Disability, Life/AD&D, Flexible Spending Accounts, Employee Assistance Program 2014 Open Enrollment and
More informationInsurance 101: Understanding your Rights and Responsibilities
Insurance 101: Understanding your Rights and Responsibilities Village Pediatrics recognizes that health care costs are significant, and insurance premiums (though not reimbursements) have risen rapidly
More informationHealth Benefits Simplified Spectrum Engineers Medical Benefits Overview
Health Benefits Simplified Spectrum Engineers Medical Benefits Overview Welcome! HealthEZ is proud to continue to serve as your benefit administrator. We help companies all over the US provide custom,
More informationAPS 2017 Benefit Plan Changes Frequently Asked Questions (FAQs)
APS 2017 Benefit Plan Changes Frequently Asked Questions (FAQs) Health Insurance Decisions Q. Why do I need health insurance? A. As medical care advances to keep people healthy, treatments and healthcare
More informationSalary, Health Plan Adjustments & Open Enrollment
From: benefits@cmich.edu Sent: Tuesday, April 18, 2017 To: CLSTAF@LS2.CMICH.EDU Subject: 2017 Salary, Health Plan Adjustment & Open Enrollment OP Total Comp Communicator Is this email not displaying correctly?
More informationEmployee Benefit Plan: Missoula County Public Schools Coverage Period: 01/01/ /31/2014 Summary of Benefits and Coverage:
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Plan Type: HDHP This is only a summary. If you want more detail about your coverage and costs, you can get
More informationHealth Care Coverage You Need. A Company You Know.
Health Care Coverage You Need. A Company You Know. 2018 Call 800-477-2000, visit bcbsil.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,
More informationHow Does a CDHP Work with an HSA
How Does a CDHP Work with an HSA 1 What is an HSA? A Health Savings Account (HSA) is a tax-advantaged checking account that works in conjunction with your Consumer Driven Health Plan (CDHP). Allows you
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 Care Coverage You Need. A Company You Know.
Health Care Coverage You Need. A Company You Know. 2018 Call 855-593-1515, visit www.bcbsmt.com or contact an independent, authorized agent to get a quote today. When It s Time to Get Health Care Coverage,
More informationHORAN Xavier University Open Enrollment 2019
HORAN 2018 Xavier University Open Enrollment 2019 Open Enrollment What is annual open enrollment? Annual open enrollment is the time of year when benefit plans renew. What do I need to do during this time?
More informationThe Physical Therapy Patient s Guide to Understanding Insurance
The Physical Therapy Patient s Guide to Understanding Insurance Insurance 101 for PT Patients So, your insurance covers physical therapy which means you won t have to pay anything out-of-pocket for your
More informationHuman Resources Open Enrollment Training
Human Resources Open Enrollment Training 2017-2018 Agenda 1. Welcome and Introductions 2. Review Health Plan Designs 3. Online Enrollment Process (PlanSource) 4. Review Health Savings Accounts 5. 2018
More information2018 HSA GUIDE. ...Your Benefits
...Your Benefits 2018 HSA GUIDE The HSA Plan consists of two parts that work together to give you more control over how you receive and pay for medical care and services, both now and in the future: the
More informationEnrollment Guide. How can Blue help you? BlueSelect 1. For Group Employees 66905E-1008 SR
Enrollment Guide For Group Employees How can Blue help you? 66905E-1008 SR BlueSelect 1 Dear Valued Employee, For more than 65 years, Blue Cross and Blue Shield of Florida has been focused on providing
More informationSt. Elizabeth Healthcare Employee Benefits Flex Spending Account Dependent Care Account Health Savings Account
St. Elizabeth Healthcare Employee Benefits Flex Spending Account Dependent Care Account Health Savings Account FSA (Flexible Spending Account) How Does This Flex Plan Work? I select an amount that works
More informationThe Leona Group Medical Benefit Plan Design
The Leona Group 2015-2016 Medical Benefit Plan Design PLAN NAME BASE PLAN BUY-UP PLAN CONSUMER-DRIVEN PLAN Provider Network Choice Choice Choice In -Network Out-of-Network In -Network Out-of-Network In
More information