It s a HIT. Issue Highlights: Fall It s Time To Check Up On It.. 2. URGENT NOTICE Fraud Alert. 2. Standard Option A Popular Choice...

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "It s a HIT. Issue Highlights: Fall 2007. It s Time To Check Up On It.. 2. URGENT NOTICE Fraud Alert. 2. Standard Option A Popular Choice..."

Transcription

1 It s a HIT Fall 2007 There are many types of hits. You have one-hit-wonders, Billboard top hits, Broadway hits, or a base hit in baseball. These hits are nothing like the HIT we re talking about. Our HIT is something that benefits you. HIT stands for Health Information Technology. In today s health care environment, HIT is taking on an increasingly important role. HIT initiatives will allow health care providers to share information securely with one another to improve the accuracy and quality of the care they deliver, enable patients to make more informed decisions, and insurers to provide more accurate and timely claims processing. More importantly, HIT will help reduce medical errors. For example, errors can occur when handwritten prescriptions are misinterpreted or when emergency medical care decisions are made without complete and accurate patient information, especially when the patient is unable to communicate. You may have noticed that some of your health care providers no longer provide you with a handwritten prescription; it is computer generated. You may see your doctor using a computer to document the discussion or findings during your office visit. You may have been asked to specifically designate someone with whom you would allow your health information to be shared. Perhaps you have researched health care provider cost and quality information on the Internet. These are all the results of HIT initiatives and other efforts towards informing consumer choices, sharing information, securing your personal health information and patient safety. Issue Highlights: It s Time To Check Up On It.. 2 URGENT NOTICE Fraud Alert. 2 Standard Option A Popular Choice See Clearly With Amerisight.. 4 Great Finds Online... 5 Departing P.O. Boxes... 5 (continued on page 4) 1

2 My Account Are you waiting for your EOBs to come in the mail? When you register for an online account with MHBP you will be able to check the status of your claims in advance of receiving your paper copy. There is lots of valuable information available to you in our secure online environment. Register for an online account when you visit and select My Account. It s Time To Check Up On It As we near the end of another year, it s a good time to check up on things relating to your health and benefits. Here s a quick list of things to give a check-up: Flexible Spending Account (FSAFEDS) balance How close are you to using the monies you allocated for your health care and/or dependent care spending accounts? Remember, when funds in your FSA are not used by a certain time, you lose the money you have contributed. Health Savings Account If you have MHBP Consumer Option, there s still time left for you to put more money into your HSA. Making contributions to your HSA has tax advantages for you and it s a great way to plan for future medical expenses. The 2007 total HSA contribution limits are: $2,850 for Self Only coverage or $5,650 for Self and Family coverage. Don t forget that if you are age you can make catch-up contributions to your HSA, which would be another $800 for 2007 above the IRS defined limit. Health care claims If you have used a non-network health care provider or pharmacy and you have not filed your claims, now would be a good time to do so. Remember, a key advantage of using participating network providers is that they file claims for you, which saves you time and money. Health goals Did you resolve at the beginning of the year to be a better steward of your health? Maybe you signed-up for the Healthier Feds President s Challenge. If so, you may want to check up on your progress towards meeting your goal. It s never too late to get on the right track. Dental and vision It s time to have your eyes and teeth checked, but you didn t sign-up for dental and vision benefits during last Open Season. It s not too late. You can enroll in MHBP Dental and Vision Supplemental Plans year round. Contact us today at or visit to get your dental or vision coverage started right way. Your coverage starts as soon as you pay your premium. Hurry and you can lock in the 2007 rates for the next 12 months! URGENT NOTICE Fraud Alert MHBP wants to alert you about some fraudulent activity. We recently learned that the Plan s name is being illegally used in a scheme in which individuals are informed that they have won a cash prize. The letter is titled The Mail Handlers Sweepstakes and is accompanied with a check that appears to have been issued by the Mail Handlers Benefit Plan. The Mail Handlers Benefit Plan does not participate in sweepstakes. Benefit checks legitimately issued by the Plan to health care providers or Plan members include an Explanation of Benefits (EOB). The EOB explains the processed claim(s) information for which the check is applicable. MHBP takes the utmost care to protect your privacy and ensure the safety and security of your information. Any information that is required to administer your health benefits is provided to us by the FEHB program when you enroll and by health care providers when you receive medical services. In situations where incomplete or insufficient information has been provided (e.g., Coordination of Benefits), our staff will contact you to obtain pertinent information for the purpose of administering your benefits. We will not use or share your personal information for purposes other than health benefit-related services (including, but not limited to, quality assessment, fraud detection, regulatory and mandatory legal activities), or for purposes about which you are notified. MHBP does not sell, lease or license your personal information to other companies. To view a copy of our privacy policy and practices you can visit and select Privacy Standards located at the bottom of the home page. Please contact our member service representatives at with any questions regarding this matter. 2 Contact us at or visit us on the Web:

3 Standard Option A Popular Choice MHBP Standard Option is one of the most popular plans among federal and postal employees and annuitants, covering nearly 325,000 members. The average tenure in the Standard Option is approximately 12 years. We thank you for your loyalty to MHBP. Standard Option continues to grow in popularity because of its affordable premiums, predictable out-of-pocket costs and comprehensive care: Low out-of-pocket costs low PPO copayments allow you to better predict your health care expenses: - $20 adult office visit copayment ($10 for dependent children under age 22) - $10 copayment for generic medications from in-network retail pharmacies and low copayments for brand name prescription drugs too, with no deductible - $15 copayment for chiropractic visits (up to a $2,000 maximum, includes alternative and rehabilitative therapies combined) A recent survey showed that 94% of members who joined MHBP in 2007 did so for the coverage and benefits. Nearly 90% joined for the premiums. 85% joined because of the participating network doctors and hospitals. 100% coverage for many routine services from PPO providers: - 100% coverage for an annual routine physical exam (age 18 and over-after you pay the low office visit copayment) - 100% benefit for covered wellness screenings such as mammograms, cholesterol tests and more - 100% complete maternity care including inpatient hospital room and board, pre and postnatal care and anesthesia MHBP is committed to providing quality care and service to all our health plan members. Whenever you have questions or need assistance you can count on MHBP to be there for you. Call us at or visit us online at

4 HealthBenefitPlanner (continued from page 1) MHBP is committed to making HIT an important part of our efforts to serve you more effectively, by giving you greater access to health care information. Some examples of information already available to you at include: Network Fee Lookup allows you to access the average PPO rates for medical procedures in a geographic area. See Clearly With Always working to bring you more Preferred value, MHBP LASIK is Pricing pleased to announce a new discount program for LASIK, laser vision correction surgery. We have partnered with Amerisight to bring you more savings on vision care services* that you need and want. Savings $895 per eye for standard LASIK or $1,300 per eye for custom Wavefront LASIK. Experienced Physicians access to credentialed, Board Certified Ophthalmologists who use FDA approved technologies. Financing interest free financing plans up to four months or payments as low as $42 a month** (Available to qualified members). Convenience choose from over 425 locations nationwide for a free consultation. Hospital Comparison Tool enables you to view quality results and cost information for certain medical procedures performed at network hospitals. My Account allows you to register online to view your medical claims and other personal information. Now you have the information you need to better understand HIT. HIT is a major pathway to improving the integration of the health care system with a key emphasis on keeping patients safe. No wonder it s a HIT! Included in the total cost are your pre-screen appointment, the procedure, all post-operative appointments, and a oneyear retreatment warranty. To access Amerisight s services and savings, you should call Monday through Friday from 7am to 9pm CST and Saturday 10am to 5pm CST. An Amerisight Care Manager will be happy to explain the plan and answer your questions. You can also visit for more information. Please note: The Amerisight program is not an insured benefit. The Amerisight program is available to members to provide access to Amerisight preferred pricing for LASIK surgery. Members are responsible for all costs associated with LASIK services. * These benefits are neither offered nor guaranteed under contract with the FEHB Program, but are made available to all enrollees and family members who become members of the Mail Handlers Benefit Plan. **At 11.9% APR. Subject to GE CareCredit Approval. 4

5 Departing P.O. Boxes Effective January 1, 2008, we will no longer be accepting mail at the following addresses: P.O. Box 45118, Jacksonville, Florida P.O. Box 44242, Jacksonville, Florida P.O. Box 24503, Tucson, Arizona P.O. Box 23824, Tucson, Arizona Great Finds Online Do you know what you can find when you visit MHBP online? Well, let us tell you. At you can: Locate a network provider medical, dental or pharmacy Order a replacement ID card Perform benefit inquiries online using our Live Chat feature Enroll in our Supplemental Dental and Vision Programs Check the status of a claim Obtain general health information Make an appointment with a new PPO doctor (first time only appointments) a benefit inquiry to our representatives Download health plan forms Find general health information using the Healthwise Knowledgebase Research provider cost and quality information Complete Health Risk Assessments And more Any mail sent to the addresses above will be returned to the sender. If you or any of your health care providers are currently sending mail to these addresses, please be sure to use the addresses below instead. Valid MHBP Mailing Addresses To submit a claim or other correspondence use the following mailing addresses: For medical claims (Standard, High and Consumer Options) and High Option dental claims: The Mail Handlers Benefit Plan PO Box 8402 London, KY For prescription drug claims (applies to paper claims only): The Mail Handlers Benefit Plan P.O. Box 8404 London, KY For MHBP Supplemental Dental Plan claims: The Mail Handlers Benefit Plan P.O. Box 8403 London, KY For MHBP Supplemental Vision Plan claims: VSP P.O. Box Sacramento, CA Visit us online today or whenever you have a question. The website is a great resource for our members, but don t worry, we re still here for you 24/7 should you need to call at Contact us at or visit us on the Web: 5

6 P.O. Box 8402 London, KY Contact Us MHBP Member Services TDD/TTY MHBP Supplemental Dental & Vision Plans Mail Order Pharmacy Refill Service U.S. Laser Network (laser vision correction) EyeMed Vision Care HearPO Network Information (888-HEARING) Quest Laboratory Overseas Enrollees Amerisight (laser vision correction) 2007 Coventry Health Care. All rights reserved. All product and/or service names and logos are (registered) trademarks of their respective owners. This is a summary of the features of the Mail Handlers Benefit Plan. Before making a final decision, please read the official Plan brochure RI All benefits are subject to the definitions, limitations and exclusions set forth in the official Plan brochure. Contact us at or visit us on the Web: 6

Welcome MHBP Value Plan Members

Welcome MHBP Value Plan Members Welcome MHBP Value Plan Members Welcome to the Mail Handlers Benefit Plan. We are delighted that you chose to enroll in our newest health plan option. We are proud of our long heritage in serving federal

More information

Guide to MHBP and Medicare

Guide to MHBP and Medicare Guide to MHBP and Medicare You ve Earned It... Go Get It! You ve Earned It You ll be eligible for Medicare soon. You owe it to yourself to take full advantage of these long-awaited benefits. Medicare Part

More information

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com

GEHA 2014. Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com GEHA 2014 Health Savings AdvantageSM High-deductible health plan with a health savings account (HSA) (800) 821-6136 geha.com CODE Self Only 341 Self + Family 342 Enrollment checklist 1. Research health

More information

Health Benefits Resource Guide

Health Benefits Resource Guide 2015 Health Benefits Resource Guide C MHBP has proudly served the FEHBP for over 50 years providing affordable nationwide health coverage. MHBP appreciates the important work that federal employees carry

More information

GEHA 2014. A complete guide to GEHA Health Plans. (800) 262-GEHA geha.com The Benefits of Better Health

GEHA 2014. A complete guide to GEHA Health Plans. (800) 262-GEHA geha.com The Benefits of Better Health GEHA 2014 A complete guide to GEHA Health Plans (800) 262-GEHA geha.com The Benefits of Better Health Your choice of three health plans, with more doctors and hospitals and member cost savings for: doctor

More information

GEHA 2015. A complete guide to GEHA Health Plans. (800) 262-GEHA geha.com The Benefits of Better Health

GEHA 2015. A complete guide to GEHA Health Plans. (800) 262-GEHA geha.com The Benefits of Better Health GEHA 2015 A complete guide to GEHA Health Plans (800) 262-GEHA geha.com The Benefits of Better Health Your choice of three health plans, with more doctors and hospitals and member cost savings for: Doctor

More information

Aetna Affordable Health Choices SM Plan Brochure

Aetna Affordable Health Choices SM Plan Brochure Aetna Affordable Health Choices SM Plan Brochure CoWorx Staffing Services, LLC Affordable Premiums Family Coverage Available Enroll Today! Call SRC toll-free at 1-888-772-9682 Monday-Friday, 8 a.m. to

More information

Issue Highlights: Caring and Competent. Clinical Management. Fall 2012. Caring and Competent

Issue Highlights: Caring and Competent. Clinical Management. Fall 2012. Caring and Competent Fall 2012 Caring and Competent Clinical Management If you have ever been hospitalized or managed a chronic condition, you might know a thing or two about our clinical management services. Considering that

More information

Insurance 101 for Students

Insurance 101 for Students Insurance 101 for Students Health Care in the United States The U.S. does not offer free medical care to the general public Medical care is very expensive Doctor office visit: $150 - $200 Annual asthma

More information

FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT

FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT FREQUENTLY ASKED QUESTIONS ID CARDS / ELIGIBILITY / ENROLLMENT BENEFIT INFORMATION CLAIMS STATUS/INFORMATION GENERAL INFORMATION PROVIDERS THE SIGNATURE 90 ACCOUNT PLAN THE SIGNATURE 80 PLAN USING YOUR

More information

Self-Insured Schools of California: Schools Helping Schools

Self-Insured Schools of California: Schools Helping Schools Self-Insured Schools of California: Schools Helping Schools FOUNDATION SISC PPO (HSA Eligible) PLAN Administered by Blue Shield of California 2014/2015 Enrollment Guide Blue Shield of California is proud

More information

High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS

High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS High Deductible Health Plan (HDHP) with Health Savings Account (HSA) FREQUENTLY ASKED QUESTIONS Part I HIGH DEDUCTIBLE HEALTH PLAN (HDHP) Q. What is the HDHP? A. The High Deductible Health Plan (HDHP)

More information

BluePrint Bronze Tribal Zero Cost Share Plan 458a Coverage Period: Beginning on or after 01-01-2015

BluePrint Bronze Tribal Zero Cost Share Plan 458a Coverage Period: Beginning on or after 01-01-2015 BluePrint Bronze Tribal Zero Cost Share Plan 458a Summary of Benefits and Coverage: What this Plan covers & What it Costs Coverage Period: Beginning on or after 01-01-2015 Coverage for: Single and family

More information

Self-Insured Schools of California: Schools Helping Schools

Self-Insured Schools of California: Schools Helping Schools Self-Insured Schools of California: Schools Helping Schools FOUNDATION SISC PPO PLAN Administered by Blue Shield of California 2014/2015 Enrollment Guide Blue Shield of California is proud to be the benefit

More information

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA)

Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Consumer Driven Health Plan (CDHP) with Health Savings Account (HSA) Interact with this ebrochure. Here s how. This ebrochure is designed for onscreen viewing, allowing you to navigate through the document

More information

www.tamuinsurance.com

www.tamuinsurance.com Health Insurance Designed for the Graduate Students employed by the THE TEXAS A&M UNIVERSITY SYSTEM 2011-2012 Underwritten By: Companion Life Insurance Company (A+) Administered by: Associated Insurance

More information

Community HealthEssentials. 2014 Guide

Community HealthEssentials. 2014 Guide Community HealthEssentials 2014 Guide Community HealthEssentials - Summary Community HealthEssentials is the new name for Community Health Plan of Washington s (CHPW) individual commercial products offered

More information

A Guide to Using your Consumer-Directed Health Plan (CDHP)

A Guide to Using your Consumer-Directed Health Plan (CDHP) A Guide to Using your Consumer-Directed Health Plan (CDHP) and Health Savings Account (HSA) A Guide to Using Your At The Hartford, we offer competitive benefits and programs to help you live well and coverage

More information

How to Use Your International Student Insurance Plan For the Students of. Presented by

How to Use Your International Student Insurance Plan For the Students of. Presented by How to Use Your International Student Insurance Plan For the Students of Presented by YOUR INSURANCE ID CARD Your ID cards will be sent to you after the start of Fall term (or Spring if you are newly enrolled).

More information

Medicare + GEHA. Protect yourself from unexpected health care expenses

Medicare + GEHA. Protect yourself from unexpected health care expenses Medicare + GEHA Protect yourself from unexpected health care expenses Table of contents Facts about Medicare 5 Medicare Part A 6 Medicare Part B 6 Medicare Part C 7 Medicare Part D 8 GEHA + Medicare 10

More information

Massachusetts. HPHC Insurance Company The Harvard Pilgrim Best Buy HSA PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Massachusetts. HPHC Insurance Company The Harvard Pilgrim Best Buy HSA PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts HPHC Insurance Company The Harvard Pilgrim Best Buy HSA PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2014 12/31/2014 Coverage for: Individual

More information

Human Energy. Yours. TM

Human Energy. Yours. TM Human Energy. Yours. TM Chevron Global Choice Plan (U.S.-Payroll Expatriates) (008) Summary of Benefits and Coverage What This Plan Covers and What it Costs Coverage Period January 1, 2015 December 31,

More information

Self-Insured Schools of California: SISC PPO (HSA Eligible)

Self-Insured Schools of California: SISC PPO (HSA Eligible) Helping SISC III SELF-INSURED SCHOOLS OF CALIFORNIA Self-Insured of California: Helping SISC PPO (HSA Eligible) Administered by Blue Shield of California 2013/2014 Enrollment Guide Blue Shield of California

More information

Self-Insured Schools of California: SISC PPO

Self-Insured Schools of California: SISC PPO Helping SISC III SELF-INSURED SCHOOLS OF CALIFORNIA Self-Insured of California: Helping SISC PPO Administered by Blue Shield of California 2013/2014 Enrollment Guide Blue Shield of California is proud

More information

Important Questions Answers Why this Matters:

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 document at www.arcsvs.com or by calling 1-877-309-2955. Important Questions

More information

Consumer Guide to. Health Insurance. Oregon Insurance Division

Consumer Guide to. Health Insurance. Oregon Insurance Division Consumer Guide to Health Insurance Oregon Insurance Division The Department of Consumer and Business Services, Oregon s largest business regulatory and consumer protection agency, produced this guide.

More information

Massachusetts. The HPHC Insurance Company Best Buy Tiered Copayment ChoiceNet PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts

Massachusetts. The HPHC Insurance Company Best Buy Tiered Copayment ChoiceNet PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Massachusetts The HPHC Insurance Company Best Buy Tiered Copayment ChoiceNet PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Coverage Period: 07/01/2015 06/30/2016 Coverage for: Individual

More information

Northeastern University 2015 Medical Benefits

Northeastern University 2015 Medical Benefits Northeastern University 2015 Medical Benefits Northeastern s 2015 Open Enrollment Effective Date: January 1, 2015 2015 Medical Plan Options Blue Choice New England Core POS Plan New Plan Blue Choice New

More information

Coverage Comparison Chart

Coverage Comparison Chart Coverage Comparison Chart Premera Blue Cross $500 Deductible/$1000 Deductible/CDHP Deductible PPO Plans $500-Deductible PPO Alaska Plan $1,000-Deductible PPO Alaska Plan CDHP $1,500-Deductible HSA-qualifed

More information

Annual Enrollment 2013. Plan Design and Rates

Annual Enrollment 2013. Plan Design and Rates Annual Enrollment 2013 Plan Design and Rates Today s Meeting Enrollment Dates and Assistance What s New for 2013? Medical Plans Flexible Spending Accounts Dental Plans Vision Plan Disability Life Insurance

More information

Massachusetts. Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual + Family Plan Type: PPO

Massachusetts. Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual + Family Plan Type: PPO Massachusetts The HPHC Insurance Company PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual + Family Plan Type: PPO This

More information

Massachusetts. Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual + Family Plan Type: PPO

Massachusetts. Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual + Family Plan Type: PPO Massachusetts The HPHC Insurance Company PPO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Coverage Period: 01/01/2015 12/31/2015 Coverage for: Individual + Family Plan Type: PPO This

More information

Massachusetts. The Harvard Pilgrim Best Buy HSA PPO. Coverage Period: 1/1/2015 12/31/2015

Massachusetts. The Harvard Pilgrim Best Buy HSA PPO. Coverage Period: 1/1/2015 12/31/2015 Massachusetts The Harvard Pilgrim Best Buy HSA PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 1/1/2015 12/31/2015 Coverage for: Individual + Family Plan Type:

More information

In-network: $5,000 per insured/ $10,000 per family per calendar year. Out-of-network: $10,000 per insured / $20,000

In-network: $5,000 per insured/ $10,000 per family per calendar year. Out-of-network: $10,000 per insured / $20,000 Regence BlueShield of Idaho: Coverage Period: Beginning on or after 01/01/2014 Regence Individual Direct Bronze HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for:

More information

The Federal Employees Health Benefits Program and Medicare

The Federal Employees Health Benefits Program and Medicare The Federal Employees Health Benefits Program and Medicare This booklet answers questions about how the Federal Employees Health Benefits (FEHB) Program and Medicare work together to provide health benefits

More information

GEHA: Standard Option Coverage Period: 01/01/2014 12/31/2014 Summary of Benefits and Coverage

GEHA: Standard Option Coverage Period: 01/01/2014 12/31/2014 Summary of Benefits and Coverage This is only a summary. Please read the FEHB Plan brochure (RI 71-006) that contains the complete terms of this plan. All benefits are subject to the definitions, limitations, and exclusions set forth

More information

COPAY PLANS. PreferredOne.com. Welcome to PreferredOne. Health Insurance for Individuals & Families 2014

COPAY PLANS. PreferredOne.com. Welcome to PreferredOne. Health Insurance for Individuals & Families 2014 COPAY PLANS Health Insurance for Individuals & Families 2014 Welcome to PreferredOne PreferredOne.com Your Health, Your Choice, Many Options At PreferredOne, our name says it all you and your family are

More information

DEDUCTIBLE PLANS. PreferredOne.com. Welcome to PreferredOne. Health Insurance for Individuals & Families 2014

DEDUCTIBLE PLANS. PreferredOne.com. Welcome to PreferredOne. Health Insurance for Individuals & Families 2014 DEDUCTIBLE PLANS Health Insurance for Individuals & Families 2014 Welcome to PreferredOne PreferredOne.com Your Health, Your Choice, Many Options At PreferredOne, our name says it all you and your family

More information

International Student Health Insurance Plan Overview. Presented by Renaissance Insurance Agency, Inc

International Student Health Insurance Plan Overview. Presented by Renaissance Insurance Agency, Inc International Student Health Insurance Plan Overview Presented by Renaissance Insurance Agency, Inc Topics for Discussion 1. Health Insurance Basics Why do I need health insurance? How does health insurance

More information

Wellesley College Health Insurance Program Information

Wellesley College Health Insurance Program Information Wellesley College Health Insurance Program Information Beginning August 15, 2013 Health Services All Wellesley College students, including Davis Scholars and Exchange students are encouraged to seek services

More information

Summary of Benefits and Coverage What this Plan Covers & What it Costs

Summary of Benefits and Coverage What this Plan Covers & What it Costs This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan document at www.mpiphp.org or by calling 1-855-275-4674. Important Questions Answers

More information

NO DEDUCTIBLE FOR MANY SERVICES

NO DEDUCTIBLE FOR MANY SERVICES KAISER PERMANENTE FOR INDIVIDUALS AND FAMILIES Deductible Plans How Deductible plans work Deductible plans generally offer lower monthly premiums in exchange for higher out-of-pocket payments for covered

More information

LEARN. Your guide to health insurance

LEARN. Your guide to health insurance LEARN Your guide to health insurance Table of Contents Why health insurance is important...1 How the Affordable Care Act affects you...2 See if you may qualify for a subsidy...4 Types of health plans...6

More information

How to Use Your International Student Insurance Plan For the Students of. Presented by

How to Use Your International Student Insurance Plan For the Students of. Presented by How to Use Your International Student Insurance Plan For the Students of Presented by YOUR INSURANCE ID CARD Your ID cards will be emailed to you after the start of your session. If you have enrolled dependents,

More information

City of Arlington Open Enrollment Meeting. November, 2015

City of Arlington Open Enrollment Meeting. November, 2015 City of Arlington Open Enrollment Meeting November, 2015 WELCOME Why We re Here Step 1: Learn about your options Step 2: Consider your choices Step 3: Enroll in a plan Already enrolled? What do I need

More information

Massachusetts. HPHC Insurance Company The Harvard Pilgrim Tiered Copayment PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Massachusetts. HPHC Insurance Company The Harvard Pilgrim Tiered Copayment PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts HPHC Insurance Company The Harvard Pilgrim Tiered Copayment PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 6/1/2013 5/31/2014 Coverage for: Individual

More information

HEALTHSPAN MEDICARE HEALTH PLAN

HEALTHSPAN MEDICARE HEALTH PLAN This is an advertisement. HealthSpan Medicare Advantage for Federal Members (HMO) YOUR GUIDE TO CHOOSING A HEALTHSPAN MEDICARE HEALTH PLAN INCREASE YOUR COVERAGE without increasing your FEHB premium. MAKE

More information

High Deductible and HSA Qualified Plans

High Deductible and HSA Qualified Plans High Deductible and HSA Qualified Plans For individuals and families HIGH DEDUCTIBLE PLANS Insuring Minnesota One Life At A Time w w w.preferredone.com Dear Prospective Members: Thank you for your interest

More information

Outline of Coverage SmartHealth Balance Gold 1000

Outline of Coverage SmartHealth Balance Gold 1000 Outline of Coverage SmartHealth Balance Gold 1000 This outline of coverage provides a very brief description of the important features of the policy. Please note this outline is not intended to be part

More information

Bowling Green State University : Plan B Summary of Benefits and Coverage: What This Plan Covers & What it Costs

Bowling Green State University : Plan B Summary of Benefits and Coverage: What This Plan Covers & What it Costs 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 document at MedMutual.com/SBC or by calling 800.540.2583. Important Questions

More information

Even though you pay these expenses, they don t count toward the out-ofpocket limit.

Even though you pay these expenses, they don t count toward the out-ofpocket limit. Commonwealth of Virginia: COVA Care Basic Coverage Period: 07/01/2014 06/30/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: PPO This

More information

FOREIGN SERVICE BENEFIT PLAN

FOREIGN SERVICE BENEFIT PLAN Summary of 2016 Benefits for the FOREIGN SERVICE BENEFIT PLAN Caring for Your Health Worldwide Summary of 2016 Benefits for the FOREIGN SERVICE BENEFIT PLAN High Option Benefits MEDICAL SERVICES SECTION

More information

Your Flexible Spending Account

Your Flexible Spending Account QuickStart Guide Your Flexible Spending Account Includes: Your FSA: The Essentials Managing Your Account Using Your FSA Dollars Eligible Expenses 5 Ways to Use the Fund Documentation Register for an online

More information

Massachusetts. HPHC Insurance Company The Harvard Pilgrim Tiered Copayment PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs

Massachusetts. HPHC Insurance Company The Harvard Pilgrim Tiered Copayment PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs HPHC Insurance Company The Harvard Pilgrim Tiered Copayment PPO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts Coverage Period: 6/1/2013 5/31/2014 Coverage for: Individual

More information

BlueConnect HSA Bronze $3,500 Plan 457 Coverage Period: Beginning on or after 01-01-2015

BlueConnect HSA Bronze $3,500 Plan 457 Coverage Period: Beginning on or after 01-01-2015 BlueConnect HSA Bronze $3,500 Plan 457 Summary of Benefits and Coverage: What this Plan covers & What it Costs Coverage Period: Beginning on or after 01-01-2015 Coverage for: Single or Family Plan Type:

More information

EXAMPLE 2: Member has a health care flexible spending account through FedFlex. This member does not qualify for an HSA.

EXAMPLE 2: Member has a health care flexible spending account through FedFlex. This member does not qualify for an HSA. HRA Frequently Asked Questions 10/15 HRA Descriptions What is an HRA? How does it work? A health reimbursement arrangement (HRA) is an employer-provided tax-sheltered arrangement that allows individuals

More information

The International Student & NIU Student Health Insurance

The International Student & NIU Student Health Insurance The International Student & NIU Student Health Insurance 2010 2011 Student Health Insurance Coverage offered through International Students are required to maintain health insurance coverage throughout

More information

Important Questions Answers Why this Matters:

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 document at www.healthnet.com/portal/shopping/content/iwc/shopping/contact_us.action

More information

2016 Retiree Open Enrollment Benefits Briefing Non Medicare

2016 Retiree Open Enrollment Benefits Briefing Non Medicare 2016 Retiree Open Enrollment Benefits Briefing Non Medicare October 28: Bankhead Theater, Livermore October 29: The Grand Theater, Tracy LLNL-PRES-678554 This work was performed under the auspices of the

More information

Get access to health care around the world. Blue Shield and UC help expats, their families, and travelers access health care abroad

Get access to health care around the world. Blue Shield and UC help expats, their families, and travelers access health care abroad Get access to health care around the world Blue Shield and UC help expats, their families, and travelers access health care abroad Effective January 1, 2015 A plan for your personal state of health Get

More information

Blue Lake Rancheria Self-Insured Health Plan Coverage Period: 01/01/2014 12/31/2014 Summary of Benefits and Coverage:

Blue Lake Rancheria Self-Insured Health Plan Coverage Period: 01/01/2014 12/31/2014 Summary of Benefits and Coverage: 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 document by calling 1-707-668-5101 extension 2933. Important Questions

More information

Blue Care Elect Saver with Coinsurance Northeastern University HDHP Coverage Period: on or after 01/01/2016

Blue Care Elect Saver with Coinsurance Northeastern University HDHP Coverage Period: on or after 01/01/2016 Blue Care Elect Saver with Coinsurance Northeastern University HDHP Coverage Period: on or after 01/01/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual

More information

Massachusetts. Coverage Period: 07/01/2014 06/30/2015 Coverage for: Individual + Family Plan Type: HMO

Massachusetts. Coverage Period: 07/01/2014 06/30/2015 Coverage for: Individual + Family Plan Type: HMO Massachusetts Harvard Pilgrim Health Care, Inc. The Harvard Pilgrim Best Buy Tiered Copayment ChoiceNet HMO-WSHG Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period:

More information

Penn State Flexible Spending Account (FSA) Benefits

Penn State Flexible Spending Account (FSA) Benefits Penn State Flexible Spending Account (FSA) Benefits Eligibility and Enrollment Deadlines All regular, full-time faculty and staff members of the University are eligible to participate in the following

More information

Administered by Capital BlueCross 1

Administered by Capital BlueCross 1 Administered by Capital BlueCross 1 PPO HRA Plan/Rx Plan 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 document at

More information

Important Questions Answers Why this Matters:

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 document at www.anthem.com or by calling 1-866-236-4365. Important Questions

More information

OUTLINE OF COVERAGE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT OPTIONAL SUPPLEMENTAL BENEFITS GUIDE

OUTLINE OF COVERAGE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT OPTIONAL SUPPLEMENTAL BENEFITS GUIDE OUTLINE OF COVERAGE HEALTH NET LIFE INSURANCE COMPANY INDIVIDUAL MEDICARE SUPPLEMENT OPTIONAL SUPPLEMENTAL BENEFITS GUIDE Health Net Life Insurance Company Individual Medicare Supplement plans provides

More information

HMO Blue Basic Coinsurance Coverage Period: on or after 01/01/2015

HMO Blue Basic Coinsurance Coverage Period: on or after 01/01/2015 HMO Blue Basic Coinsurance Coverage Period: on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: HMO This is only

More information

Important Questions Answers Why this Matters: Network: $500 Individual / $1,500 Family;

Important Questions Answers Why this Matters: Network: $500 Individual / $1,500 Family; 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 document at www.healthscopebenefits.com or by calling 1-866-208-4281.

More information

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc.

Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. Piedmont WellStar Medicare Choice (HMO) offered by Piedmont WellStar HealthPlans, Inc. Annual Notice of Changes for 2015 You are currently enrolled as a member of Piedmont WellStar Medicare Choice HMO.

More information

HEALTH INSURANCE FOR INDIVIDUALS AND FAMILIES. Insuring Minnesota One Life At A Time. www.preferredone.com

HEALTH INSURANCE FOR INDIVIDUALS AND FAMILIES. Insuring Minnesota One Life At A Time. www.preferredone.com foreveryone HEALTH INSURANCE FOR INDIVIDUALS AND FAMILIES Insuring Minnesota One Life At A Time www.preferredone.com for EveryOne Insuring Minnesota One Life At A Time Thank you for your interest in the

More information

Massachusetts. Coverage Period: 7/1/2013 6/30/2014 Coverage for: Individual + Family Plan Type: HMO

Massachusetts. Coverage Period: 7/1/2013 6/30/2014 Coverage for: Individual + Family Plan Type: HMO Harvard Pilgrim Health Care, Inc. The Harvard Pilgrim Best Buy Tiered Copayment ChoiceNet HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Massachusetts Coverage Period: 7/1/2013

More information

$500 member / $1,000 family Self- Referred. Does not apply to emergency room, emergency transportation, or acupuncture services.

$500 member / $1,000 family Self- Referred. Does not apply to emergency room, emergency transportation, or acupuncture services. Blue Choice New England Plan 2 MIT Choice Coverage Period: on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual, Ind.+Spouse, Ind.+Child(ren)

More information

IU High Deductible Health Plan Health Savings Account. Get Healthy and Get Ahead with the HDHP PPO Plan

IU High Deductible Health Plan Health Savings Account. Get Healthy and Get Ahead with the HDHP PPO Plan IU High Deductible Health Plan Health Savings Account & Get Healthy and Get Ahead with the HDHP PPO Plan 2014 PLAN 1Plan Advantages Medical Coverage ADVANTAGE The HDHP PPO & HSA has several advantages

More information

60769MN0030057_00_SBC.pdf 60769MN0030041. Coverage for: Family Plan Type: PPO. Important Questions Answers Why this Matters:

60769MN0030057_00_SBC.pdf 60769MN0030041. Coverage for: Family Plan Type: PPO. Important Questions Answers Why this Matters: Federated Mutual Insurance Company: 1505 Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Family Plan Type: PPO This is only

More information

2016 Annual Enrollment Benefits Snapshot

2016 Annual Enrollment Benefits Snapshot Farm Credit Foundations 2016 Annual Enrollment Benefits Snapshot Go to FarmCreditFoundations.com to see all 2016 changes including a unique opportunity for some employees to increase their Group Universal

More information

Summary of Benefits and Coverage What this Plan Covers & What it Costs - 2015

Summary of Benefits and Coverage What this Plan Covers & What it Costs - 2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan document at www.mpiphp.org or by calling 1-855-275-4674. Important Questions Answers

More information

Massachusetts. The Harvard Pilgrim Tiered Copayment HMO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts

Massachusetts. The Harvard Pilgrim Tiered Copayment HMO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts The Harvard Pilgrim Tiered Copayment HMO Summary of Benefits and Coverage: WhatthisPlanCovers&WhatitCosts Massachusetts Coverage Period: 07/01/2015 06/30/2016 Coverage for: Individual + Family Plan Type:

More information

Massachusetts. Coverage Period: 1/1/2015 12/31/2015

Massachusetts. Coverage Period: 1/1/2015 12/31/2015 Massachusetts The Harvard Pilgrim Hospital Prefer Best Buy Tiered Copayment HMO Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 1/1/2015 12/31/2015 Coverage for:

More information

St Olaf College Coverage Period: Beginning on or after 09-01-2014

St Olaf College Coverage Period: Beginning on or after 09-01-2014 St Olaf College Summary of Benefits and Coverage: What this Plan covers & What it Costs Coverage Period: Beginning on or after 09-01-2014 Coverage for: Single and family coverage Plan Type: PPO This is

More information

Banner Health - Choice Plus Coverage Period: 1/1/2015-12/31/2015

Banner Health - Choice Plus Coverage Period: 1/1/2015-12/31/2015 This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the plan document at www.bannerbenefits.com by clicking on the Resources tab and then Plan

More information

You re one step closer to simple health care.

You re one step closer to simple health care. welcometouhc.com You re one step closer to simple health care. SIMPLE - A GUIDE TO YOUR 2016 UNITEDHEALTHCARE BENEFITS Health care can be hard. We re here to help you through it. You can count on us to

More information

Boston College Student Blue PPO Plan Coverage Period: 2015-2016

Boston College Student Blue PPO Plan Coverage Period: 2015-2016 Boston College Student Blue PPO Plan Coverage Period: 2015-2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: PPO This is only a

More information

2015 IBM Health Benefit Comparison Charts for IBM Active Employees

2015 IBM Health Benefit Comparison Charts for IBM Active Employees 2015 IBM Health Benefit Comparison Charts for IBM Active Employees These Health Benefit Comparison Charts provide a summary overview of the coverage available for medical, mental health/substance care

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 Blue Medicare HMO SM Standard offered by Blue Cross and Blue Shield of North Carolina (BCBSNC) Annual Notice of Changes for 2014 You are currently enrolled as a member of Blue Medicare HMO Standard. Next

More information

Aetna Whole Health Houston, TX: ES Coverage Period: 01/01/2014 12/31/2014

Aetna Whole Health Houston, TX: ES Coverage Period: 01/01/2014 12/31/2014 This is only a summary. Please read the FEHB Plan brochure RI 73-873 that contains the complete terms of this plan. All benefits are subject to the definitions, limitations, and exclusions set forth in

More information

Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015

Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015 Blue Care Elect Preferred 90 Copay Coverage Period: on or after 09/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual Only Plan Type: PPO This is only

More information

Preferred PPO Blue Options Health Insurance Plan Coverage Period: 04/01/2015 03/31/2016

Preferred PPO Blue Options Health Insurance Plan Coverage Period: 04/01/2015 03/31/2016 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 document at http://icubabenefits.org or by calling 1-866-377-5102. In

More information

Important Questions Answers Why this Matters:

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 Summary Plan Description (SPD) or Plan Document at www.pebtf.org or by calling 1-800-522-7279.

More information

What is the overall deductible?

What is the overall deductible? Regence BlueCross BlueShield of Oregon: HSA 2.0 Coverage Period: 07/01/2013-06/30/2014 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual & Eligible Family

More information

Insurance Benefits For Employees C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S

Insurance Benefits For Employees C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S CCPS Insurance Benefits For Employees 2015 C H E S T E R F I E L D C O U N T Y P U B L I C S C H O O L S CHESTERFIELD COUNTY PUBLIC SCHOOLS BENEFITS DEPARTMENT Enrollment or Changes in Coverage 748-1226,

More information

Welcome to the Student Health & Wellness Services (SH&WS)

Welcome to the Student Health & Wellness Services (SH&WS) Student Health Insurance Plan Information 2014 2015 Welcome to the Student Health & Wellness Services (SH&WS) Cleveland State University offers health care to all students of the University community.

More information

Important Questions Answers Why this Matters:

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 document at https://eoc.anthem.com/eocdps/aso or by calling 1-888-650-4047.

More information

Regence BlueCross BlueShield of Utah: Regence Direct Silver HSA

Regence BlueCross BlueShield of Utah: Regence Direct Silver HSA Regence BlueCross BlueShield of Utah: Regence Direct Silver HSA Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual &

More information

This health plan meets Minimum Creditable Coverage standards and will satisfy the individual mandate that you have health insurance.

This health plan meets Minimum Creditable Coverage standards and will satisfy the individual mandate that you have health insurance. This is a Massachusetts Individual Catastrophic Plan. This health plan meets Minimum Creditable Coverage standards and will satisfy the individual mandate that you have health insurance. Massachusetts

More information

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT

YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT YOUR CIGNA CHOICE FUND HEALTH SAVINGS ACCOUNT Your health plan plus a Health Savings Account PLAN YEAR: July 2014 Town of Simsbury and Board of Education 838559 d Offered by: Connecticut General Life Insurance

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: HealthKeepers Anthem HealthKeepers 20 POS / $10/$20/$35/20% Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015-12/31/2015 Coverage For: Individual/Family

More information

For small groups of 5 to 50, with relaxed participation guidelines. Effective January 1, 2013

For small groups of 5 to 50, with relaxed participation guidelines. Effective January 1, 2013 For small groups of 5 to 50, with relaxed participation guidelines Effective January 1, 2013 Why Blue Shield? Blue Shield is a California-based not-for-profit health plan that has been providing Californians

More information

ANNUAL NOTICE OF CHANGES FOR 2016

ANNUAL NOTICE OF CHANGES FOR 2016 Cigna-HealthSpring Preferred (HMO) offered by Cigna-HealthSpring ANNUAL NOTICE OF CHANGES FOR 2016 You are currently enrolled as a member of Cigna-HealthSpring Preferred (HMO). Next year, there will be

More information