HEALTH INSURANCE POLICY

Similar documents
BISON FLEX PPO HEALTH INSURANCE POLICY

Anthem Blue Cross Your Plan: Lumenos HSA 2000/ /40 (LHSA2153) Your Network: Prudent Buyer PPO

Anthem Blue Cross Your Plan: Modified Anthem PPO HSA-H 2000/ /40 Your Network: Prudent Buyer PPO

You must pay all of the costs for these services up to the specific deductible amount before this plan begins to pay for these services.

Anthem Blue Cross Your Plan: Lumenos HSA 1500/ /30 (LHSA497H) Your Network: Prudent Buyer PPO

Anthem Blue Cross Your Plan: Custom Anthem HSA /40 Embedded (HSA291) - Actives Your Network: Prudent Buyer PPO

Anthem Blue Cross Your Plan: Anthem PPO HSA 2700/0 Your Network: Prudent Buyer PPO

HealthEZ doesn t serve clients; we serve people. We are here to take care of you. We are here to serve you!

You can see the specialist you choose without permission from this plan.

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters:

Anthem Blue Cross University of the Pacific Student Health Plan PPO with Student Health Center (100/80/60) Coverage Period: 08/01/ /31/2016

Important Questions Answers Why this Matters:

Anthem Blue Cross Your Plan: Custom Classic PPO 500/20/20 (RX $5/$10/$25/30%) Your Network: Prudent Buyer PPO

Important Questions Answers Why this Matters:

Tri-County Schools Insurance Group: Basic Plan Coverage Period: 01/01/ /31/2014

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters:

$0 See the chart starting no page 2 for your costs for services this plan covers.

Important Questions Answers Why this Matters: Network: $500 Individual / $1,000 Family Non-Network: $1,000 Individual / $2,000 Family

You can see the specialist you choose without permission from this plan.

Yes. Some of the services this plan doesn t cover are listed on page 4

Nationwide Life Insurance Co.: Oral Roberts University Coverage Period: 8/10/13 8/9/14

Some of the services this plan doesn t cover are listed on page 6. See your policy or plan Yes. plan doesn t cover?

University of New Hampshire Student Health Plan: Self-Funded Coverage Period: 8/24/13 8/22/14

City of Monroe: City of Monroe Medical Care Plan Coverage Period: July 1, 2016 June 30, 2017

BLUE. Care. A classic, comprehensive health insurance plan for families and individuals who want more predictable health care costs.

Medical Plan Summary: PPO Core Plan

CHI Health Coverage Period: 01/01/ /31/2017 Employee Assistance Program

Important Questions Answers Why this Matters:

$5,000 person. Does not apply to preventive care. Coverage for: Individual + Family Plan Type: PPO

You must pay all of the costs for these services up to the specific deductible amount before the plan begins to pay for these services.

Important 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

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters:

Cost if you use an In-Network Provider. Cost if you use a Non-Network Provider. Covered Medical Benefits

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Anthem Blue Cross Your Plan: Anthem Elements Choice PPO 6500 (Essential Formulary $5/$20/$50/$65/30% $500 Deductible) Your Network: Prudent Buyer PPO

You must pay all the costs up to the deductible amount before this plan. covered services after you meet the deductible.

$ 400 person/ $1,200 family; Waived for inpatient and outpatient hospital charges at Centers of Excellence and Hospitals of Distinction.

HealthSpanOne for Individuals and Families Enrollment Guide

Cost if you use an In-Network Provider. Cost if you use a Non-Network Provider. Covered Medical Benefits. $18,000 single / $36,000 family

Your Plan: Lumenos HSA Embedded Your Network: Prudent Buyer PPO

You 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.

In-network $1,000 person / $3,000 family Out-of-network $3,000 person / $9,000 family. What is the overall deductible?

AvMed In-Network Tier A Providers: $1,500 individual / $3,000 family AvMed In-Network Tier B Providers: What is the overall deductible?

Cost if you use a Non-Network Provider. Cost if you use an In-Network Provider. Covered Medical Benefits

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

Anthem Blue Cross Your Plan: Classic PPO 250/20/20 (Essential Formulary $5/$15/$30/$50/30%) Your Network: Prudent Buyer PPO

You don t have to meet deductibles for specific services.

You 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.

Baptist Health System and HealthTexas Medical Group Network San Antonio, TX Medical plans at-a-glance for businesses with employees

Quote Effective: 04/01/ /30/2019 Version Updated: 01/07/2019

Senior Care Network: Blue Access PPO and Blue Access Choice PPO Coverage Period: 01/01/ /31/2016

Mandatory Online Open Enrollment November 9-23, 2015

Important Questions Answers Why this Matters:

$ 200 family deductible per benefit year for Major Medical benefits. Only applies to out-ofnetwork. $ No

Anthem BlueCross BlueShield St. Charles Community College Blue Access & Blue Access Choice PPO Coverage Period: 01/01/ /31/2016

Companion Life Insurance Company: New England Culinary Institute Coverage Period: 7/1/14-7/1/15

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters:

AvMed Network: $1,500 individual / $3,000 family Doesn t apply to preventive care. What is the overall deductible?

Important Questions. Why this Matters: For PPO Providers: $0 Member/$0 Family For Non-PPO Providers: $0 Member/$0 Family

Important Questions Answers Why this Matters: Network: $3,500 Individual $7,000 Family Non-Network: $10,000 Individual $20,000 Family

Anthem Blue Cross Your Plan: Classic PPO 1000/35/20 (Essential Formulary $5/$20/$30/$50/30%) Your Network: Prudent Buyer PPO

Highmark Delaware: Shared Cost Blue EPO 1000 Coverage Period: 01/01/ /31/2017

Anthem Blue Cross and Blue Shield Your Plan: Lumenos Health Savings Account (HSA-Compatible) Plan $ /20 Your Network: PPO

Your Plan: Custom Premier PPO 300/20/20 (Medicare) Your Network: Prudent Buyer PPO

What is the overall deductible? Are there other deductibles for specific services?

Nationwide Life Ins. Co.: Cape Cod Academy Coverage Period: 9/1/13-8/31/14

Important Questions Answers Why this Matters: What is the overall deductible?

This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?

Texas Annual Conference: High Deductible Plan Coverage Period: 01/01/ /31/2019

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: $300 Single/$600 Family for Network Providers. $500 Single/$1,000 Family for Non- What is the overall

You can see the specialist you choose without permission from this plan.

1199SEIU Greater New York Benefit Fund Summary of Benefits and Coverage: What This Plan Covers and What It Costs

Anthem BlueCross BlueShield MMEBG HSA 2 Lumenos Health Savings Accounts (Blue Preferred Select) Coverage Period: 07/01/ /30/2017

California State University Risk Management Authority

Regence BlueShield : HSA 2.0

Nationwide Life Ins. Co.: Rhode Island College Coverage Period: 8/15/13-8/15/14

Coverage for: Individual/Family Plan Type: PPO

Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services Coverage Period: 1/1/19 12/31/19

Important Questions Answers Why this Matters:

Anthem Blue Cross Your Plan: Modified Classic PPO 500/30/20 (PHBP CLASSIC PLUS PPO) Your Network: Prudent Buyer PPO

Important 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

U of MN Elect/Essential Coverage Period: 1/1/2017 through 12/31/2017 Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Coverage for: Individual/Family Plan Type: PPO

Auxiliary Organizations Association

Central State University Student Health Plan Coverage Period: 8/11/13-8/10/14

HealthEZ doesn t serve clients; we serve people. We are here to take care of you. We are here to serve you!

Bright Choices Benefits Marketplace at a Glance

Anthem Blue Cross Your Plan: Premier HMO 10/100% - MUST Trust Your Network: California Care HMO

Cost if you use a Non-Network Provider. Cost if you use an In-Network Provider. Covered Medical Benefits

Anthem Blue Cross Life and Health Insurance Company CSAC EIA City of Chico: Lumenos Health Savings Account (HSA) Embedded EPID CGHSA773

The HPHC Insurance Company Best Buy HSA PPO Summary of Benefits and Coverage: What this Plan Covers & What You Pay For Covered Services

Anthem Blue Cross Your Plan: Classic HMO 20/40/250 Admit /125 OP Your Network: Select HMO

Transcription:

BIGHORN HSA QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN EPO HEALTH INSURANCE POLICY This document provides a brief overview of the benefits offered under the Colorado HealthOP Bighorn HSA Qualified High Deductible Health Plan EPO Health Insurance Policy. Full information is available in the Certificate of Coverage. To request a copy of the Certificate of Coverage, call 855-697-1653. P1

BIGHORN HSA QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN EPO HEALTH INSURANCE POLICY BIGHORN HSA QUALIFIED HIGH DEDUCTIBLE HEALTH PLAN EPO PLAN AT A GLANCE The Colorado HealthOP Bighorn HSA Qualified High Deductible Health Plan EPO (Bighorn HSA EPO) is one of our gold-level Exclusive Provider Organization (EPO) health insurance plans. This plan includes the opportunity to open your own Health Savings Account (HSA). HSAs are a great way for you to save money for medical expenses. This account can be used to pay for your share of medical expenses, as well as services not covered under your plan (such as dental and vision care). In addition to helping you save for medical care, HSAs can save you money on taxes. To learn more about HSAs, visit www.cohealthop.org. Some key features of this plan include: LIMITED NETWORK OF HIGH-QUALITY PROVIDERS: Under Colorado HealthOP s Exclusive Provider Organization (EPO) plans, your healthcare is covered only when you use in-network healthcare providers and facilities (except in case of an emergency). If you choose to visit an out-of-network doctor, hospital or other healthcare provider, you will be responsible for the full cost of your services. FREE WELLNESS VISIT: You can go to your primary care doctor for an annual wellness visit. The visit is free and it s your chance to discuss your health survey, biometric screening and other health concerns with your doctor. NO COST FOR MANY COMMON PREVENTIVE GENERIC PRESCRIPTIONS: Some generic preventive prescription drugs (including some medications for cholesterol, diabetes, asthma/copd, high blood pressure and prenatal care) are covered at no cost to you. REWARDS FOR TAKING HEALTHY STEPS: When you complete three health actions, you ll get rewarded with: A lower out-of-pocket maximum A lower deductible Coverage for acupuncture and chiropractic services WHY COLORADO HEALTHOP? Colorado HealthOP is a nonprofit health insurance cooperative (CO-OP) that s focused on people, not profits. Here s what sets us apart: More Control Over Your Healthcare We re a CO-OP, which means you have a voice in how your health insurance company is run. Our members sit on the board of directors and weigh in on what s covered under our benefit plans. At Colorado HealthOP, all of our members are working together to take care of their own health and reduce the cost of healthcare for everyone. READ MORE ABOUT HOW TO GET REWARDED FOR TAKING HEALTH ACTIONS ON PAGE 4. A Focus on Preventive Care, Not Sick Care We think health insurance should help you stay healthy, not just take care of you when you re sick. Our benefits are designed to help you and your family catch healthcare issues early before they become major, expensive health problems. A No Surprises Philosophy We know health insurance is complicated, and we re committed to helping you understand your benefits. If we can serve you better, we want you to let us know, so we can improve our service for all of our members. P2

BIGHORN HSA EPO PLAN OVERVIEW GOLD BIGHORN HSA EPO Health Insurance Policy (Exclusive Provider Organization) Maximum Lifetime In-Network Benefits No Lifetime Maximum Annual Deductible (Aggregate) Individual Family Annual Out-of-Pocket Maximum $2,000 $4,000 Health Actions: (1) Health Survey (2) Biometric Screening (3) Wellness Visit $1,800 $3,600 Individual (Includes Deductible) $2,000 $1,800 Family (Includes Deductible) $4,000 $3,600 No Maximum Office Visits Annual Wellness Visit Additional Primary Care Office Visits to Treat an Injury or Illness (Exc. Well Baby, Preventive, and X-rays) Behavioral Health Specialist 100% Covered Acupuncturist or Chiropractor 100% Covered 2 Professional Services Lab & X-Ray Hospital & Facility Services Hospital Facility Hospital Physician Emergency Room Services Emergency Transportation Urgent Care Center Prescription Drugs 1 Retail and Mail Order Preventive: 100% Covered Generics: Preferred Brand: Other: Retail and Mail Order Preventive: 100% Covered Generics: Preferred Brand: Other: Pediatric Dental (Embedded) Included (Delta Dental PPO Network) 1 In an effort to offer cost-effective benefits, we have an additional prescription drug discount card. It is not insurance and doesn t coordinate with benefits. Visit our website to learn more about the CO-OP Discount Pharmacy Program. 2 This does not apply to your out-of-pocket maximum. P3

LOWER YOUR HEALTHCARE COSTS IN THREE STEPS As a Colorado HealthOP member, you will be upgraded from the standard version of your plan to the enhanced version when you complete three health actions. HOW TO COMPLETE YOUR HEALTH ACTIONS STEP 1: TAKE A HEALTH SURVEY Take a quick, confidential online health survey. It will give you and your primary care doctor a snapshot of your current health and risk for health issues. STEP 2: GET A BIOMETRIC SCREENING Schedule a visit at your primary care doctor s office, and get a biometric screening. This free and confidential test will screen for illnesses and identify your risk for certain health conditions. STEP 3: HAVE A WELLNESS VISIT WITH YOUR PRIMARY CARE PROVIDER Go to your primary care doctor for an annual wellness visit. The visit is free and it s your chance to discuss your health survey, biometric screening and other health concerns with your doctor. GET REWARDED! When you complete all three health actions, you ll be rewarded with: A lower out-of-pocket maximum A lower deductible Coverage for acupuncture and chiropractic services SEE PAGE 3 TO LEARN MORE. SHOULD MY SPOUSE AND/OR KIDS COMPLETE THE HEALTH ACTIONS? If you have a spouse and/or children who are covered by your plan, the entire family will be upgraded to the enhanced plan when you and your spouse complete the health actions. If you choose a child-only plan, your child(ren) will be upgraded to the enhanced plan when they complete a wellness visit. P4

HOW TO GET STARTED You can purchase the Colorado HealthOP Bighorn HSA EPO plan on Connect for Health Colorado, or on Colorado HealthOP s website: www.cohealthop.org. On Colorado HealthOP s website, you can: Compare your plan options Get a quote Sign up for your health insurance plan, plus your family s TAX CREDITS To receive a tax credit, you must purchase your plan through Connect for Health Colorado or through a licensed health insurance broker. To learn more, call us at 855-697-1653. HAVE QUESTIONS? CONTACT US! CALL: 855-697-1653 Our knowledgeable staff can help you figure out the right plan for you and sign you up over the phone. VISIT: www.cohealthop.org WRITE: 8000 E. Maplewood Ave. Building 5, Suite 200 Greenwood Village, CO 80111 P5

2024 © financedocbox.com Privacy Policy | Terms of Service | Feedback