TRS Medical Insurance Changes 2018-2019
Plan Design Changes 2018 2019
Plan Design Changes HD In-Network Deductible increased $2,500 to $2,750 for individual, and $5,000 to $5,500 for family. HD Out-of-Network out of pocket increased from $5,000 to $5,500 for individual, and $10,000 to $11,000 for family. Out-of-Network out of pocket increased for all three plans. HD - $6,650 individual, $13,300 family, Select - $7,350 individual, $14,700 family, Care 2 $7,350 individual, $14,700 family. ER Copay increased on Select and Care 2 plan from $200 to $250. Free Standing ER on all three plans - $500 copay plus 20%
New Medical Rates 2018 2019 Semi-monthly Rates (per check) 1 HD Select Care 2 $58.50 $145.00 $266.00 + Spouse $392.50 $538.50 $802.50 + Child $225.50 $313.00 $456.50 $562.00 $709.00 $972.00 Pooling $437.00 $584.00 $847.00 Split $218.50 $292.00 $423.50
1 HD Plan Plan Design Deductible $2750 $5500 Out-of-Pocket Max $6650 $13300 Coinsurance Office Visits Labs $40 copay $40 copay Radiology Hospitalization Emergency Room Pharmacy Preventative Care Teladoc
Health Savings Account (HSA) Only available with High Deductible Individual can contribute $3450 a year coverage can contribute $6850 Amount available as you contribute per paycheck Unused funds rollover from year to year
Select Plan Plan Design (In-Network Only) Deductible $1200 $3600 Out-of-Pocket Max $7350 $14,700 Coinsurance Office Visits $30 Primary / $70 Specialist $30 Primary / $70 Specialist 100 % through Quest 100 % through Quest Preventative Care Teladoc $100 copay plus $100 copay plus Hospitalization $150 copay per day plus 20% $150 copay per day plus 20% Emergency Room $250 copay per day plus 20% $250 copay per day plus 20% $20 Generic / $40 Preferred Brand $20 Generic / $40 Preferred Brand Labs Radiology Pharmacy
Select plan Options s living in Harris, Montgomery, or Fort Bend County can now choose to enroll in Memorial Hermann or Kelsey Seybold Select. s living in Galveston or Brazoria County will be enrolled in Kelsey Seybold Select. s outside these County s will be enrolled in Open Access Select PPO.
Care 2 Plan Design Deductible $1000 $3000 Out-of-Pocket Max $7350 $14,700 Coinsurance Office Visits $30 Primary / $70 Specialist $30 Primary / $70 Specialist 100 % through Quest 100 % through Quest Preventative Care Teladoc $100 copay plus $100 copay plus Hospitalization $150 copay per day plus 20% $150 copay per day plus 20% Emergency Room $250 copay per day plus 20% $250 copay per day plus 20% $20 Generic / $60 Preferred Brand $20 Generic / $60 Preferred Brand Labs Radiology Pharmacy
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Medical Flexible Spending Maximum contribution is $2600 a year Amount is available up front Use it or lose it Dependent Care Available for children 13 or younger Maximum contribution $5000 a year Only available as you contribute per check Use it or lose it
Cost savings HD vs Select 2017 2018 Semi-monthly Rates (per check) 1 HD Select Difference $58.50 $145.00 $86.50 + Spouse $392.50 $538.50 $146.00 + Child $225.50 $313.00 $87.50 $562.00 $709.00 $147.00 2017 2018 Semi-monthly Rates (per year) 1 HD Select Difference $58.50 $145.00 $2076.00 + Spouse $392.50 $538.50 $3504.00 + Child $225.50 $313.00 $2100.00 $562.00 $709.00 $3528.00
Cost savings HD vs care 2 2018 2019 Semi-monthly Rates (per check) 1 HD Care 2 Difference $58.50 $266 $207.50 + Spouse $392.50 $802.50 $410 + Child $225.50 $456.50 $231.00 $562.00 $972.00 $410 2018 2019 Semi-monthly Rates (per year) 1 HD Care 2 Difference $58.50 $266 $4980.00 + Spouse $392.50 $802.50 $9840.00 + Child $225.50 $456.50 $5544.00 $562.00 $972.00 $9840.00
Options Switch plans Enroll in a HD plan Enroll a portion of savings in HSA plan Enroll a portion of savings in Flexible Spending
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