Bright Choices Benefits Marketplace at a Glance - 2018 Liazon s Bright Choices Benefits Exchange gives you: REINVENTING YOUR BENEFITS Significant choices for Medical, Dental, Vision, and Supplemental Health Insurance and Health Savings Accounts Advanced technology to help you learn about and enroll in your benefits online with the Bright Choices portal Help to retain quality employees and save money by offering a comprehensive benefits program More support than ever to handle administration and billing, facilitate employee enrollment, and answer employee questions about health insurance and other benefits Bright Choices Login: Username: Password: exchange.liazon.com UCC + 1 st Initial of First Name + 1 st Initial of Last Name + last 4 digits of SSN Full Social Security Number (no spaces or dashes) Questions? For Sales Inquiries, Contact Our Sales Team at 1-888-280-3958 For Employee-Related Questions, Contact the Liazon Consumer Service Team at 1-866-LIAZON-1 or help@liazon.com (Hours: 8:00am-6:00pm) For Employer-Related Questions Or To Submit Paperwork, Contact the Liazon Client Service Team at Phone: 1-888-886-4345 Fax: 888-810-1059 Email: HRBCSupport@liazon.com (Hours: 8:00am-5:00pm) This comparison has been prepared as a guide to assist you in evaluating the program. This is not a complete comparison or contract and in no way details all the benefits, limitations, or exclusions. Rates and terms are subject to change.
Platinum 130 (Formerly Platinum 100) Gold 221 Gold 222 Silver 320 Silver 322 Bronze 430 Bronze 400) (Formerly Bronze 420 Bronze 421 SMALL GROUP OPTIONS EPO Copay 2018 Plan Mapping: (Platinum 100 will map into this plan) EPO Copay Embrace Health EPO Hybrid HDEPO Qualified Aggregate EPO Hybrid HDEPO Qualified 2018 Plan Mapping: (Bronze 400 will map into this plan) HDEPO Qualified Aggregate HDEPO Qualified Aggregate Preventative Care Qualified services are covered in full. Physician / Specialist $15 / $35 $30/$50 $20 / $40 $30/$40 $40 / $65 5 3 Hospital Stay $500 $1000 2 $750 25% 5 3 Emergency Room $100 $100 2 $150 25% 5 3 Prescriptions $4 / $30 / $60 $10/$50/5 $10/$35/$70 5/5/5 // Dependent Rider Up to age 26 on all plans regardless of student status; Domestic partner covered. Single Family $250 Single $500 Family $600 Single $1200 Family $1750 Single $3500 Family $2750 Single $5500 Family $5500 Single $11000 Family $4800 Single $9600 Family Out of Pocket Maximum $7150 Single $14300 Family $6250 Single $12500 Family Single $1,087.70 $960.57 $979.86 $847.82 $753.40 $668.23 $636.48 $587.40 SMALL GROUP RATES EE+Spouse $2,175.40 $1,921.15 $1,959.72 $1,695.64 $1,506.81 $1,336.47 $1,272.96 $1,174.80 EE+Children $1,849.09 $1,632.98 $1,665.76 $1,441.30 $1,280.79 $1,136.00 $1,082.01 $998.58 Family $3,099.94 $2,737.64 $2,792.60 $2,416.29 $2,147.20 $1,904.47 $1,813.96 $1,674.08 Please note--- Employee+Children and Family Rates DO NOT include the Mandatory Pediatric Dental Charge - your actual rate may be more depending on the number of qualifying dependents. CDPHP Pediatric dental rate for dependents under age 19 is $18.42 per dependent (not to exceed $55.26). Please note --- Please check your doctors as these are all EPO plans. EPO - National Network w/first Health & Magnacare. Doctors can be found on www.cdphp.org
GROUP OPTIONS Preventative Care Physician / Specialist Hospital Stay Emergency Room Prescriptions Dependent Rider Out of Pocket Maximum Platinum 1 EPO Platinum 1 3 visits at then $5 / $45 Platinum 4 EPO Platinum 4 $40 / $60 Gold 2 EPO Gold 2 HDHP Aggregate Ded OOP $10 / $20 $300 $500 $200 $100 $350 $5/$30/$50 $5/$45/$90 $2450 Single $4900 Family $1500 Single $3000 Family $75 $5/$15/$25 $1600 Single $3200 Family $4500 Single $9000 Family *EMBEDDED Gold PPO Gold PPO In Network and Out of Network Benefits $40/$60 then 2 $500 then 2 $300 then $300 Out of Nework: $700 Single $1400 Family $7150 Single $14300 Family $8000 Single $16000 Family Silver 7 EPO Silver 7 $30 / $40 $500 $200 $3000 $6000 Silver 8 EPO Silver 8 HDHP Qualified services are covered in full. $3700 Single $7400 Family Silver PPO Silver PPO HDHP Aggregate Ded OOP 2 then 4 2 Out of Nework: 4 2 Out of Nework: 2 then (Preventative drugs not Out of Nework: Up to age 26 on all plans regardless of student status; Domestic partner covered. $5500 Single $11000 Family $1950 Single $3900 Family * *EMBEDDED $8000 Single $16000 Family Bronze 1 EPO Bronze 1 $35 / $80 5 5 *RX $10/$40/5 (RX - Separate from Medical - $200s/$400f) $4150 Single $8300 Family Bronze 3 EPO Bronze 3 HDHP $30 / $50 3 $300 $5900 $11800 Bronze 6 EPO Bronze 6 HDHP // WellLife Rewards All MVP liberty Plans include up to $200, per subscriber, per calendar year, for completing health-related activities. AND each plan includes a $125 reimbursement, per subscriber, per calendar year, for kids sports, weight management and gym membership. That's $325! Single $956.49 $944.57 $778.54 $854.00 $708.62 $665.91 $709.73 $579.05 $572.14 $591.14 SMALL GROUP EE+Spouse $1,912.98 $1,889.14 $1,557.08 $1,708.00 $1,417.24 $1,331.82 $1,419.46 $1,158.10 $1,144.28 $1,182.28 RATES EE+Children $1,626.03 $1,605.77 $1,323.52 $1,451.80 $1,204.65 $1,132.05 $1,206.54 $984.39 $972.64 $1,004.94 Family $2,726.00 $2,692.02 $2,218.84 $2,433.90 $2,019.57 $1,897.84 $2,022.73 $1,650.29 $1,630.60 $1,684.75 Please note--- Employee+Children and Family Rates Now include Mandatory Pediatric Dental Charge. Please note --- Please check your doctors as all plans have EPO Network (unless otherwise noted as a PPO). Doctors can be searched on www.mvphealthcare.com THE DIFFERENCE BETWEEN AN AGGREGATE PLAN AND AN EMBEDDED PLAN. AGGREGATE: For any policy with two or more members, the deductible and/or out-of-pocket maximum (OOPM) must be met by any one or any combination of members before the plan will make payments. EMBEDDED: Each member must meet their individual deductible and/or OOPM before the plan will make any payments. The individual deductible and/or OOPM also applies to the family deductible and/or OOPM level. Once the family deductible and/or OOPM has been met, the plan will begin payment of services for all members on the contract
HEALTH SAVINGS ACCOUNT (HSA) Account Setup and Fees Maximum Pretax Contributions Balances No account setup fees through this program, only for Chamber Members. $3.95 monthly maintenance fee per account. Single: $3,450 Family: $6,900 Catch-up: An additional $1,000 per year (if you're age 55 or older) Account earns interest tax-free and balances roll over for future years Value Preventive Basic Major 10 8 10 8 5 10 9 6 8 5 9 7 25% 10 8 5 Orthodontia 5 (Lifetime 5 (Lifetime Max: Max: 1,000/person) $1,000/person) In-Network Basic Enhanced Value Calendar Year Max Employee $750 $20.88 $1,000 $37.65 $1,500 $55.39 Rates Monthly + Spouse + Child(ren) Family $44.17 $49.48 $73.62 $68.32 $80.75 $116.32 $109.35 $122.51 $188.88 DENTAL INSURANCE Out-of-Network Basic Enhanced $50/person ($150 family maximum; Applies to Basic and Major Treatment only.) $500 $750 $1,000 Please visit exchange.liazon.com for more plan details. Included for each plan is a list of imitations and exclusions that pertain to your Dental Insurance coverage. Rates subject to change Eye Examination Lenses Frames Please see detailed summaries for out of network benefits Comprehensive exam of visual functions and prescription of corrective eyewear Standard corrective lenses: single, bifocal, trifocal, lenticular 2 off the additional amount when patients choose a frame that exceeds the allowance. Available from all in-network providers, except Costco locations. Option 1 M100D-20/20 1 per 2 years $20 : up to $100 allowance Option 2 M130D-10/25 1 per year ~ $10 1 per year ~ $25 1 per 2 years $25 Copay in network: up to $130 allowance VISION INSURANCE Option 3 M130A-10/25 1 per year ~ $25 Copay 1 per year $25 : up to $130 allowance Option 4 M150D-5/10 1 per year ~ $5 Copay in network 1 per year $10 : up to $150 allowance Contacts Copays listed for necessary lenses. Other copays apply for elective lenses and fittings 1 per year ~ $25 1 per year ~ $25 Copay Rates Monthly Employee Employee+Spouse Employee+Child(ren) Family $6.90 $13.82 $11.68 $19.28 $7.83 $8.71 $15.69 $17.46 $13.26 $14.76 $21.89 $24.36 $10.23 $20.51 $17.33 $28.61
TELEMEDICINE PROGRAM Benefits Consult A Doctor connects you to licensed physicians 24 hours a day, 7 days a week. Physicians can be contacted either via telephone (Tele-Consults) or secure e-mail (E-Consults), and Consult A Doctor offers an informative, interactive, educational online Personal Health Manager. Services include: Unlimited Tele-Consults and E-Consults and complete access to the Personal Health Manager Low cost ($34.95 $39.95) comprehensive Medical Tele-Consults, where prescriptions can be prescribed $5.00 Per Month Healthy Start Healthy Coach HEALTH AND WELLNESS PROGRAM Healthy Directions Benefits PHD Network: The Personal Health Development (PHD) Network gives you your own personalized online environment where you have the ability to uncover and learn about your individual health risks, such as Heart Disease, Diabetes, Stroke, and Stress. Based on your results, the system provides you with an individualized wellness program. PHD Network, plus Health Coach: The PHD Network is coupled with your own personal health coach: a registered nurse highly trained in behavior modification science. This skilled professional works with you regularly and is able to explain risks, uncover barriers to change that you may possess, and provide valuable health planning assistance. PHD Network and Health Coach + Home Screening Kit: A home test kit helps you get an accurate snapshot of your most important lab values, such as cholesterol and glucose. The PHD Network and your coach explain your results and develop a plan for you. This plan gives you the tools to help you become healthier and avoid additional health care costs. $8.33 Per Month $24.99 Per Month $41.66 Per Month Additional Features Standard Plan Superior Plan Annual Maximum $9,000 $14,000 Per Incident $50 $50 PET INSURANCE Avian & Exotic Pet Plan $7,000 Covers a multitude of medical problems and conditions related to accidents and illnesses including office visits, prescriptions, tests, hospitalizations, and surgeries for dogs, cats, birds, ferrets, reptiles, and other exotic pets. No pre-authorization; Visit any licensed veterinarian worldwide. Optional Pet WellCare Protection Coverage is available to help dog and cat owners with the cost of routine care including annual exams, vaccinations, and other routine care with no deductibles. Based on age and species. Rates are discounted for Liazon consumers. $50