ALLIANCE HMO WITH HRA MEDICAL PLAN

Similar documents
ALLIANCE HMO WITH HRA MEDICAL PLAN

Healthcare Bluebook Frequently Asked Questions

Chevron Retirees Association. October 15 December 7, 2017

2019 Pre-Medicare Retiree Healthcare Open Enrollment

Open Enrollment 7/1/2015

2019 Pre-Medicare Retiree Healthcare Open Enrollment

Ready, Set, Enroll! Take Action For Benefits

Chemeketa Community College 2017 Open Enrollment

Pathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide

What is an HSA-qualified plan? How does it work? Features and rates

Pathways VILLANOVA UNIVERSITY Benefits Open Enrollment Guide

2018 Benefits Presentation. Steve McCauley, Director of Employee Benefits

Five Colleges, Inc. ~ Memorandum

Access Health CT 2019 Alternative Standard Silver Plan Design Exhibit Individual Market. Page

Monthly Premiums for Employees/TRS Members working at least 20 hours per week

If you enroll through the GPA hosted PSBP website, Health Net will automatically assign you to a PCP.

2018 Benefits Presentation. Steve McCauley, Director of Employee Benefits

2018 ANNUAL BENEFITS ENROLLMENT PRESENTATION COMPANY INTERNAL/PROPRIETARY

Welcome to Open Enrollment for Plan Year 2017.

FREQUENTLY ASKED QUESTIONS. High Deductible Health Plans (HDHPs) and Health Savings Accounts (HSAs)

FREQUENTLY ASKED QUESTIONS ABOUT 2018 BENEFITS

benefits know your 2018 City of Jacksonville Benefits Guide Do you have questions about your medical or prescription drug coverage?

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

A Quick Look at Your Health Plan Citizens Memorial Hospital. Group #16533

Welcome to BorgWarner!

A closer look at your new medical plan options

Shared Savings Program Frequently Asked Questions

Take control of your health with CIGNA

Health Plan Review. City of Hapeville Plan Year. Presented By: MSI Benefits Group, Inc.

KCTCS EMPLOYEE OPEN ENROLLMENT October 10 28, 2011

KNOW your BENEFITS. Do you have questions about your medical or prescription drug coverage?

CHOOSE A PLAN CHOOSE A PLAN. What our plans offer and how they work IN THIS BROCHURE

HealthCare Spending Accounts HSA and HRA 101

OPEN ENROLLMENT NOVEMBER 20th- DECEMBER 4th 2018 BENEFITS PACKET

A Quick Look at Your Health Plan

VEHI Health Plans EFFECTIVE 1/1/2018

Benefits Education Session. New Team Member Experience

medical solutions traveler employee medical benefits

Get to know your benefits. State of Florida 2018 Benefits Guide. welcometouhc.com/florida

2009 HMO, Multi-Choice, and HSA-Qualified Deductible HMO Plans

Odessa School District

A Quick Look at Your Health Plan

Benefits. Open Enrollment Newsletter. Welcome to Your Checklist for Open Enrollment. What Happens if I Don t Elect My Medical Benefits?

Employee. Package. Benefits N O V E M B E R 1, O C T O B E R 3 1,

Frequently Asked Questions About Your Consumer Accounts MasterCard Card

PPO and Alternate PPO Plans

Annual Enrollment for 2013 Health Benefits

UnitedHealthcare EDGE

The Benefits Department The Home Depot 2455 Paces Ferry Road, C-18 Atlanta, GA 30339

2017 Health Plan Comparison Chart

2. Retiree Medical Plan Options

Annual enrollment is Oct. 30 Nov. 10

SDMC RETIREE HEALTH INSURANCE OPTIONS. Pre and Post Age 65

Lorain County Public Health 2019 Marketing Summary

Introduction to the High Deductible Health Plan and Health Savings Account HDHP + HSA 10/24/2017

Benefits Wise Plan Year

I S S U E N O. 1 O C T 23 N O V 9, Open Enrollment EMPLOYEES - PLAN YEAR 2018 COUNTY OF FRESNO

Open Enrollment 2014 November 13 November 30

Employee Benefit Changes Health Care For Nonrepresented (Management) Employees, Nurses (OPEIU) and Security/Police (SPFPA)

2016 State Health Plan Annual Enrollment

New Staff Orientation 2017

PEBTF: PEBTF CUSTOM HMO

BENEFITS INFORMATION FOR FULL-TIME EMPLOYEES

Benefit Summary

GEHA Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 262-GEHA geha.com

Medical Plan Summary: PPO Core Plan

San Diego Community College District Enrollment Guide Benefits Enrollment Guide. Making Informed Decisions

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience.

Certificated Employees Open Enrollment Guide

IU Human Resources High Deductible Health Plan (HDHP) & Health Savings Account (HSA) INDIANA UNIVERSITY

Welcome to your Premera HSA plan

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience.

Annual Notice of Changes for 2019

Table of Contents: Welcome... 3

Oscar s Plans. Health insurance without the headache. All of Oscar s plans come with access to great care and the Oscar experience.

We ve Got You Covered.

Annual Notice of Changes for 2019

Retiree Medicare Solutions With a Personal Touch. Ted O Connor Borislow Insurance (781)

2018 Annual Enrollment Consumer Driven Health Plan The Lubrizol Corporation

YOUR BENEFITS IN What s New

COPAYMENT Plans What is a copayment plan? How does it work? Features at a glance

2017 Health Plan Comparison Chart

Insurance Trust for Delta Retirees (ITDR) Q&A following the October 18, 2017 BCBSGA Medicare Advantage PPO Webinar

MolinaMarketplace.com. Quality health care you deserve

Fordham University Benefits Open Enrollment Overview for Local 153

HIGHLIGHTS FOR INSURANCE YEAR OPEN ENROLLMENT:

2016 Plan HSA $6,000. $6,000 individual/$12,000 family. $6,000 individual/$12,000 family

Annual Enrollment for 2014 Benefits November 5-19

Annual Notice of Changes for 2018

Frequently Asked Questions High-Deductible Health Plan (HDHP) with Health Savings Account (HSA)

DoD NAF HBP. Retirees, Medicare and Aetna AREA Luncheon

Veritas Management Group EMPLOYEE BENEFITS

Buy-Up 500 Core 1000 HDHP Services In-Network 1 In-Network 1 In-Network 1 Calendar Year Deductible - Individual - Family $500 $1,500 $1,000 $3,

*Health Insurance enrollment sssumes you do not cancel your UA retiree health insurance.

2018 EMPLOYEE BENEFITS PRESENTATION

HEALTH INSURANCE CHANGES STURGEON BAY SCHOOL DISTRICT

! Action Required! Annual enrollment is Oct. 29 Nov. 9

MEDICAL ASSISTANCE FUND

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

GEORGIA. CIGNA health savings plans. Health and Pharmacy Benefits c GA 07/ CIGNA

Transcription:

ALLIANCE HMO WITH HRA MEDICAL PLAN What is the Plan? This is a health plan that offers access to physicians selected based on their ability to guide their patients to the care and resources that help promote better health outcomes and lower costs. physicians are committed to using and sharing de-identified health data to advance best practices and help deliver the best care, every step of the way. Click on this brochure below! What is the HRA? This plan has coupled with it a Health Reimbursement Account (HRA). When you enroll, you are issued a debit card that is loaded with $1,200 for you to use for your eligible expenses. This card is funded 100% by VEBA. Who is in the Network? Use our handy reference guide to help you view the list of participating physicians and medical groups in this plan. Click

COMPARE PLAN DESIGN Here is a side-by-side comparison of the plan versus the plan. Note that we are only comparing to the benefits. One of the largest differences is that the allows for out-of-network benefits. However, if you only utilize in-network providers, see how comparable your benefits are. One of the most attractive components of the plan is the $1,200 HRA Fund that you are given for expenses. (Individual/Family) Out-of-Pocket Max (Individual/Family) Premium Providers HMO only $4,000 $4,000 $2,000 $5,000 / $10,000 $5,000 / $10,000 $3,000 / $6,000 HRA Fund n/a $0 $1,200 Office Visit $30 + $35 Specialist Visit + Inpatient Hospital + + + Complex Radiology (PET & MRI) $0 + + Urgent Care $35 Emergency Room $100 $100 $300

SCENARIO ONE Healthy Single Employee Preventive Care (no charge) Specialist Visit - $250 Charge Specialist Visit Provider $250 (subject to deductible first) HRA Fund n/a n/a () Cost Paid $250 $0 Note that in the plan, this individual has only used of their $1,200 HRA fund. They still have $1,150 for the rest of the year to help pay towards expenses. Plan Design for Reference Individual Out-of-Pocket Max Individual Premium Providers HMO only $2,000 $2,000 $2,000 $5,000 $5,000 $3,000 HRA Fund n/a n/a $1,200 Specialist Visit +

SCENARIO TWO Family Hospital Stay for Spouse $20,000 Charge Provider $2,000 $2,000 $2,000 Coinsurance $3,000 ( of charge $3,000 ( of charge $1,000 ( of charge HRA Fund n/a n/a ($1,200) Cost Paid $5,000 $5,000 $1,800 Note in this scenario that the out-of-pocket maximums (OOPM) are significantly different between the two plans. 3 Individual $5,000 $3,000 Family $10,000 $6,000 In this scenario, enrollment in the plan has met the $3,000 individual OOPM (deductible + coinsurance) and the remainder of the year is at no cost (exception with Rx) for the spouse. In the plan, the spouse also met the OOPM but spent more than had they been on the plan. Plan Design for Reference Individual/ Family Out-of-Pocket Max Individual/ Family Premium $4,000 $5,000 / $10,000 Providers $4,000 $5,000 / $10,000 HMO only $2,000 $3,000 / $6,000 HRA Fund n/a n/a $1,200 Inpatient Hospital + + +

HAVE MORE QUESTIONS? Stop by one of the Open Enrollment Office Hours. There are several to choose from! We will also have a representative from at some of the office hours who can go over the plan in more depth with you. Here is our schedule of Office Hours. Ready to make the switch? Take these steps to finalize your enrollment. 1. Review the physician/medical group that you would like for yourself and any dependents you are enrolling on this plan. The link on how to find a physician was on the first slide. You and each of your dependents can have a different primary care physician. They just all have to be in the network. 2. Note the ID number for each primary care physician. You will need to enter that number in Workday. 3. Log into 4. The first page of enrollment is where you would choose Medical United Healthcare HMO With HRA 1200. You would add your dependents on this same page. 5. If you have no other changes, continue through all the pages until you get to the final page where you review and approve your elections. That s it! You will receive your new medical cards in the mail. Separately, you will also be mailed your MasterCard debit payment card from Optum. Be sure not to throw those cards away! You will be given two cards automatically, both in your name.