Blue Solutions Plus Specialty Services. Add specialty products to complement your health benefits

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1 Blue Solutions Plus Specialty Services Add specialty products to complement your health benefits

2 Add specialty products to your benefits for healthier outcomes and productive employees You want to offer a complete benefits package to your employees. We ve teamed up with industry-leading companies to offer specialty products and services you can pair with your medical benefits. Combining Independence Blue Cross (IBC) medical plans with specialty services creates a more diverse product portfolio, giving your company an advantage in the marketplace, with the ability to attract and retain the best employees. Offering these products may also help maintain the stability of your business by helping to protect one of your most valuable assets your employee s wellness and financial stability. Holistic view of your employees health Early disease detection and intervention Lower health care costs Healthy employees 1

3 Dental plans Affordable, cost-effective dental care can help members improve and maintain their oral and overall health. All dental plans include a large network of dentists, and members never need a claim form when using a participating provider. Plus, dental plans are designed to encourage prevention, early diagnosis, and treatment. DHMO dental plans Your employees choose a primary dental office (PDO) in the DHMO network to coordinate all of their care and specialty referrals. Preventive services like oral exams and cleanings are covered once every six months, with little to no copayment. A host of other services like X-rays, fillings, root canals, oral surgery, crowns, bridges, and dentures are also covered under the plans, with members responsible for a copayment per service. All DHMO plans are employer funded and members have no deductibles and no annual maximums. Groups can choose to add one of the following dental plans to their benefits: Keystone Basic Dental Exams, cleanings, X-rays and fillings are 100 percent covered after an office visit copay. Keystone Value Dental Exams and cleanings, and fluoride treatments for children under 19 are 100 percent covered after an office visit copay. Concordia Plus Plans are comprehensive and emphasize prevention, early diagnosis, and treatment. Preventive services are covered with little to no copayment. PPO dental plans We also offer access to a broad range of United Concordia PPO dental products. All programs include a comprehensive network of dentists, and members never need a claim form when using a participating provider. The programs also put a strong emphasis on prevention, early diagnosis, and treatment. Choose from one of these affordable options: Concordia Preferred PPO plans provide in-network and out-of-network benefits. Concordia Flex Traditional PPO plans provide the same coverage levels for in-network and out-of-network services. Both PPO products provide coverage for preventive, diagnostic, basic, major, and orthodontic services. Members can choose to receive services from any dentist but can save significantly when they see a network dentist. In addition, members can receive discounts on non-covered services from participating network dentists. Independence Blue Cross dental plans are administered by United Concordia, an independent company. For more information on dental plans and to find network dentists, please visit 2

4 IBC Vision Care Exclusive discounts through Visionworks retail centers High-quality designer and exclusive brands frames Eyeglass lenses Contact lenses Sunglasses Vision correction Vision care helps detect more serious medical conditions When your employees visit their vision provider, they are getting more than just their eyes checked. Eye exams can help detect more serious medical conditions like diabetes, hypertension, or heart disease. Vision benefits could help reduce your company s overall health care spending and increase employee productivity. Adding IBC Vision Care to your Blue Solutions Plus medical benefits will give you: Affordability: Low monthly premiums Easy implementation: Flexible administration and implementation process, plus a broad range of plans to select from Outstanding customer service: Available to answer your questions seven days a week 3

5 Access conveniently located providers IBC Vision Care is administered by Davis Vision, an independent company. The Davis Vision network includes more than 40,000 ophthalmologists, optometrists, and regional and national retailers, including Visionworks optical retail centers. 1 Visionworks retail centers are conveniently located across the Philadelphia five-county area and surrounding states. With IBC Vision Care, your employees can take advantage of: No frame limitations: They have the freedom to use their frame allowance at any network location, including Visionworks, toward any frame on the market today. Visionworks has highquality eyeglasses, designer frames, and a wide variety of contact lenses, reading glasses, and a specialty lenses at a great price. Fully covered designer brands: They can select any frame from the Exclusive Frame Collection of over 200 of the latest stylish, contemporary frames covered in full, or with a minimal copay. One-year warranty: Every frame or lens purchased at a participating provider is backed by an unconditional one-year breakage warranty for repair or replacement. Your employees get even more with IBC Vision Care: Contact lenses replacement: LENS123 will ship replacement contact lenses or solution anywhere the same day and employees are guaranteed low prices. Vision correction discounts: Laser Vision Correction gives employees up to 25 percent off the participating provider s usual and customary fees, or 5 percent off any participating provider s advertised specials on laser vision correction services. 1. An affiliate of Independence Blue Cross has a financial interest in VisionWorks. 4

6 GeoBlue Travel Insurance International health insurance and assistance services Do you have employees who travel internationally? GeoBlue group health plans combine quality service with state-of-the-art mobile technology to cover the health care needs of expatriates, their families, and business travelers around the globe. GeoBlue plans to meet your global business travel needs GeoBlue offers two group plans: GeoBlue Expat and GeoBlue Traveler. Both plans are designed to provide your employees with coverage when and where they need it from trusted doctors and hospitals. GEOBLUE TRAVELER For 2+ employees traveling for up to 180 days GeoBlue Traveler provides group supplemental medical benefits and services for international business travelers. The plan also provides: Blanket coverage so that members won t have to submit and maintain member rosters Rich benefits covering everything from medical evacuation and hospitalization to treatment for an upset stomach Coverage for employees when they are outside their home country for up to 180 days GEOBLUE EXPAT For 2+ employees traveling for six months or more Combining comprehensive global benefits with a new generation of medical assistance services, GeoBlue Expat is designed for employees and their families when they live internationally for six months or more. Features include: Robust, international-focused wellness program Global coverage with no restrictions on the time a member can spend in the United States GeoBlue network outside the U.S. and BlueCard program in the U.S., Puerto Rico, and U.S. Virgin Islands Benefits covering everything from medical evacuation and hospitalization to chronic and maternity care Flexible coverage available for U.S. outbound or third country nationals Optional life and long-term disability insurance GeoBlue is the trade name of Worldwide Insurance Services, LLC, an independent licensee of the Blue Cross and Blue Shield Association. GeoBlue products are underwritten by 4 Ever Life Insurance Company, an independent licensee of the Blue Cross and Blue Shield Association. 5

7 Health coordinators help your employees travel with confidence With both plans, your employees benefit from a worldwide community of English-speaking, Western-trained physicians and 24/7 conciergelevel assistance. Members can travel with confidence, knowing an experienced GeoBlue global health coordinator will: Help locate a doctor and schedule appointments Guarantee payments for cashless access to care Arrange for any necessary follow-up treatment Provide reliable expertise and rapid response to deliver these services worldwide Take care of employees around the world Learn about GeoBlue health insurance and support services. Contact your Independence Blue Cross account executive or visit Personal Solutions for global health enriches your employees benefits Personal Solutions from GeoBlue includes concierge-level services provided by a global health coordinator, as well as: Chronic care and maternity support Informed medical choice consultation Assistance in translating medications and medical terms Daily alerts detailing the latest security and health risks in your employees destination Personal Solutions also provides innovative mobile and online tools that empower employees to decide what level of care to seek and to quickly identify the best and most convenient options for them. Your employees can download the GeoBlue mobile app, which allows them to conveniently access the best local doctors, hospitals, and resources anywhere in the world. Users can: Search for a physician, dentist, or specialist using GPS technology Request an appointment Arrange direct billing to secure cashless access to care Find generic and brand medications Translate medical terms and phrases for symptoms and situations Display an ID card or fax a copy directly to a provider s office All they have to do is register on download the GeoBlue app on their smartphone from the app store, and log in with the address and password created when they register on the website. 6

8 Help your employees find a balanced approach to well-being GeoBlue provides a global Employee Assistance Program (EAP) that helps expatriates work towards a balanced approach to well-being. Before a work or life issue becomes a larger problem, or for support when facing difficulties, employees can contact an EAP counselor, who is ready to assist with issues, such as: Improving family communication Balancing work and home life Managing life changes Surviving the loss of a loved one Managing anxiety and depression Handling stress and managing workplace pressure Substance abuse Bullying and harassment Couples support Parenting Caring for an elder Referrals to local resources, including attorneys and financial professionals Global Wellness Coaches take your employees health to the next level GeoBlue Wellness Coaches trained by the Mayo Clinic help your employees assess their current levels of wellness and set achievable health goals. A Wellness Coach can help your employees with challenging areas like: Weight loss Healthy eating Exercise and physical activity Quitting smoking Stress management Adopting a healthier lifestyle The Wellness Coaching program includes up to five phone sessions, and participants and family members can access this service any time, day or night. Contact your IBC account executive or independent broker for more information about adding Specialty Services to your Blue Solutions Plus medical benefits. Please visit us at ibx.com/specialtyservices Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association /14