Find the plan that s right for you

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Find the plan that s right for you"

Transcription

1 Take a glance at what our plans have to offer Plans at a glance for s and families Effective January 1, 2014 Find the plan that s right for you Our easy-to-understand plans offer comprehensive benefits to make it simple to find a plan that fits you and your family s needs. All of our plans offer the essential health benefits required by the Affordable Care Act (ACA), including preventive care services without a copayment, brand-name and generic prescription drug coverage, hospitalization benefits, pediatric dental and vision coverage, and more! Your broker can assist you in applying for a Blue Shield plan through Blue Shield or through Covered California ( California s health insurance marketplace. You may be eligible for federal premium assistance to help pay your monthly premiums for any Blue Shield plan (except the Get Covered plan) through Covered California. Contact your broker or Blue Shield to guide you through the qualification process. Ultimate plan (Platinum level): Basic plan (Bronze level): Blue Shield pays, on average, 90% of covered medical expenses Blue Shield pays, on average, 60% of covered medical expenses Our Ultimate plan offers you the lowest out-of-pocket costs for medical services. There are no deductibles, so we start paying for covered benefits right from the start. By paying a higher monthly premium, you ll pay less for medical services such as doctor visits, prescription drugs, and hospitalization. With low monthly rates in exchange for a higher deductible and more out-of-pocket costs when accessing services, the Basic plan is a good choice if you want to know you ve got the coverage you need when you need it most. Most services are subject to the medical deductible, but you ll still receive important benefits like preventive care and three doctor visits for a fixed copayment before meeting the deductible. Preferred plan (Gold level): Blue Shield pays, on average, 80% of covered medical expenses Basic for HSA plan (Bronze level): Our Preferred plan offers exceptio nal coverage with manageable out-of-pocket costs, so it s easier to predict additional expenses. There are no deductibles, so we start paying for covered benefits immediately, including popular benefits such as doctor visits, prescription drugs, and urgent care. Blue Shield pays, on average, 60% of covered medical expenses Enhanced plans (Silver level): Blue Shield pays, on average, 70% of covered medical expenses Our Enhanced plan offers you affordable, comprehensive coverage without surprises. You ll receive benefits like doctor visits and generic drugs prior to meeting a moderate deductible. Other services, such as hospitalization, are covered after you meet the medical deductible. By paying a little more when you use services, you ll pay lower monthly rates. We also offer Enhanced cost-sharing reduction plans through Covered California for those who meet federal financial guidelines. These plans provide you with lower cost-sharing to reduce your out-of-pocket costs when accessing medical care. Contact your broker or Blue Shield to help you determine if you qualify for one of these plans.! i These plans are pending regulatory approval. Our Basic plan for health savings accounts is perfect for those who want low monthly rates and to better manage their healthcare spending through a health savings account (HSA). With this HSA-compatible,* high-deductible health plan, you can prepare for future medical costs by contributing pre-tax money to your own savings account for healthcare expenses. You ll even enjoy preventive care before meeting the deductible. Get Covered plan (Catastrophic): Blue Shield pays, on average, 60% of covered medical expenses Get Covered is designed specifically for people under age 30, or those age 30 and above who can provide a certification that they are without affordable coverage or are experiencing financial hardship, and need to purchase a low-cost plan option. The plan carries a high deductible. Most services are subject to the medical deductible, but you ll still receive important benefits like preventive care and three doctor visits for no additional cost before meeting the deductible. * Although most s who enroll in an HSA-compatible health plan are eligible to open an HSA, you should consult with a financial adviser to determine if an HSA/HDHP is a good financial fit for you. Blue Shield does not offer tax advice for HSAs. HSAs are offered through financial institutions. For more information about HSAs, eligibility, and the law s current provisions, you should ask your financial or tax adviser.

2 Plan comparison chart Blue Shield offers a variety of comprehensive Preferred Provider Organization (PPO) or Exclusive Provider Organization (EPO) health plans for you to choose from. With our PPO and EPO plans, you can see any doctor or hospital in one of Blue Shield s Exclusive provider networks where you ll receive the most care for your dollar. Only PPO plans, however, also offer coverage for services received from providers outside of our networks. EPO plans only cover non-network provider services in emergency situations. Visit blueshieldca.com/findaplan to determine if PPO or EPO plans are available in your area. All plans also include physical therapy, ambulance, mental health, substance abuse, radiology, home health, skilled nursing benefits, and more. Our PPO plans offer coverage for non-participating providers as well. This is not a contract. All benefit descriptions are an overview of plan benefits. For a detailed description of plan benefits and exclusions, please request a copy of the Evidence of Coverage (EOC) or Policy by calling us at (888) We also have Summary of s and Coverage Forms that can help you make a decision by providing you with an easy-to-understand overview of what these plans cover. Visit blueshieldca.com/sbc or call (888) to obtain the forms. Compare our plans to find the level of coverage you re looking for. ULTIMATE PLAN (PLATINUM) PREFERRED PLAN (GOLD) PLAN (SILVER) With participating providers, members pay 1 : 150 SUBSIDY* PLAN (SILVER) 200 SUBSIDY* PLAN (SILVER) Office visit primary care doctor $20 $30 $45 $3 $15 Office visit specialist doctor $40 $50 $65 $5 $20 Urgent care visit $40 $60 $90 $6 $30 Preventive health benefits $0 $0 $0 $0 $0 Inpatient hospitalization 10% 20% 20% 10% 15% Outpatient surgery 10% 20% 20% 10% 15% Lab $20 $30 $45 $3 $15 X-ray $40 $50 $65 $5 $20 Emergency room services not resulting in admission $150 $250 $250 $25 $75 Maternity 10% 20% 20% 10% 15% Generic drugs $5 $19 $19 $3 $5 Preferred brand drugs $15 $50 $50 $5 $15 Non-preferred brand drugs $25 $70 $70 $10 $25 Chiropractic Not covered Not covered Not covered Not covered Not covered Acupuncture (from a licensed acupuncturist) $20 $30 $45 $3 $15 Pediatric eye exam $0 $0 $0 $0 $0 Pediatric eyeglasses $0 $0 $0 $0 $0 Calendar-year medical deductible 2 $0 $0 Calendar-year out-of-pocket maximum (includes deductible) $4,000 per / $8,000 per family $6,350 per / Calendar-year brand drug deductible $0 $0 $2,000 per / $4,000 per family $6,350 per / $250 per / $500 per family $0 $2,250 per / $4,500 per family $0 $500 per / $1,000 per family $2,250 per / $4,500 per family $50 per / $100 per family Some benefits are subject to a deductible. You are responsible for all charges up to the allowable amount until the deductible is met. At that point, you will be responsible for the copayment or coinsurance noted in the chart. In addition to the plans described in this guide, we also offer the following plans: Ultimate Native American, Preferred Native American, Enhanced Native American, Basic Native American, Basic for HSA Native American, and Native American 300 Subsidy. Visit blueshieldca.com for more information. * This Blue Shield plan must be purchased through Covered California, and your broker can help you with the process. All other Blue Shield medical plans displayed on this chart can be purchased through Blue Shield or Covered California. 2 For family coverage, s must satisfy their own deductible, unless a combination of three or more covered family members satisfies the family deductible. This satisfies the deductible for all covered family members for the remainder of the year.

3 Plan comparison chart (continued) Compare our plans to find the level of coverage you re looking for. 250 SUBSIDY* PLAN (SILVER) Office visit primary care doctor $40 BASIC PLAN (BRONZE) BASIC FOR HSA PLAN (BRONZE) GET COVERED PLAN (CATASTROPHIC) With participating providers, members pay 1 : $60 for first 3 visits per calendar year prior to deductible, then $60 after deductible 3 40% $0 for first 3 visits per calendar year prior to deductible, then $0 after deductible 3 Office visit specialist doctor $50 $70 40% 0% 40% Urgent care visit $80 year prior to deductible, $120 for first 3 visits per calendar then $120 after deductible 3 $0 for first 3 visits per calendar year prior to deductible, then $0 after deductible 3 Preventive health benefits $0 $0 $0 $0 Inpatient hospitalization 20% 30% 40% 0% Outpatient surgery 20% 30% 40% 0% Lab $40 30% 40% 0% X-ray $50 30% 40% 0% Emergency room services not resulting in admission $250 $300 40% 0% Maternity 20% 30% 40% 0% Generic drugs $19 $19 40% 0% Preferred brand drugs $30 $50 40% 0% Non-preferred brand drugs $50 $75 40% 0% Chiropractic Not covered Not covered Not covered Not covered Acupuncture (from a licensed acupuncturist) $40 $60 40% 0% Pediatric eye exam $0 $0 $0 $0 Pediatric eyeglasses $0 $0 $0 $0 Calendar-year medical deductible 2 Calendar-year out-of-pocket maximum (includes deductible) Calendar-year brand drug deductible $1,500 per / $3,000 per family $5,200 per / $10,400 per family $250 per / $500 per family $5,000 per / $10,000 per family $6,350 per / $4,500 per / $9,000 per family $6,350 per / $6,350 per / $6,350 per / $0 4 $0 4 $0 4 Some benefits are subject to a deductible. You are responsible for all charges up to the allowable amount until the deductible is met. At that point, you will be responsible for the copayment or coinsurance noted in the chart. In addition to the plans described in this guide, we also offer the following plans: Ultimate Native American, Preferred Native American, Enhanced Native American, Basic Native American, Basic for HSA Native American, and Native American 300 Subsidy. Visit blueshieldca.com for more information. * This Blue Shield plan must be purchased through Covered California, and your broker can help you with the process. All other Blue Shield medical plans displayed on this chart can be purchased through Blue Shield or Covered California. 2 For family coverage, s must satisfy their own deductible, unless a combination of three or more covered family members satisfies the family deductible. This satisfies the deductible for all covered family members for the remainder of the year. 3 Visit limit is a combination of any physician office visits, urgent care, outpatient mental health, behavioral health, outpatient substance abuse, and postnatal visits. 4 Brand drugs are subject to the calendar-year medical deductible.

4 Pediatric dental plans Pediatric dental care is an essential health benefit for children under age 19 that must be included with every medical plan purchased directly through Blue Shield. To expand your pediatric dental benefit options, we provide you with four different pediatric dental plans to choose from. PREFERRED DENTAL HMO PEDIATRIC $0 DENTAL HMO PEDIATRIC $20 PREFERRED DENTAL PPO PEDIATRIC 50/0 1 DENTAL PPO PEDIATRIC 60/0 1 as $10.80 as $9.60 as $ as $ With participating providers, members pay: Office visit $0 $20 N/A N/A Diagnostic and preventive services (includes but is not limited to cleanings, X-rays, initial and periodic oral examinations, topical fluoride treatment) $0 $0 0% 0% Restorative services fillings (amalgam or composite resin) $40 3 $ % 50% Oral surgery (removal of impacted teeth) Endodontics (root canal) Periodontics (root planing/scaling) Crowns and fixed bridges (includes but is not limited to crowns [resinbased composite, porcelain, porcelain with metal, full metal, gold only, three-quarter crown, stainless steel] and fixed bridges [which are cast porcelain baked with metal, or plastic processed to gold]) Removable prosthetics (includes but is not limited to dentures [full maxillary, full mandibular, partial upper, partial lower, teeth, clasps, and stress breakers]) $365 4 $ % 50% $365 4 $ % 50% $365 4 $ % 50% Orthodontics (medically necessary) $1,000 $1,000 50% 50% Local and general anesthetics $0 $0 0% 0% Calendar-year deductible $0 $0 $50 per child/ $100 per family $60 per child/ $120 per family Calendar-year out-of-pocket maximum (includes deductible) $1,000 per child (2 child max) 5 $1,000 per child (2 child max) 5 $1,000 per child (2 child max) 5 $1,000 per child (2 child max) 5 Calendar-year benefit maximum per member N/A N/A No limit when using participating providers No limit when using participating providers This chart is an overview of benefits. For additional benefit information, cost for services, waiting periods, and exclusions and limitations, please see the Summary Guide and Important Legal Information booklets. These plans are pending regulatory approval. 2 Rate is for a child under age 19 living in pricing regions and Copayments for basic services vary by procedures. The plan s average copay charged for procedures in this category cannot exceed the stated amount. 4 Copayments for major services vary by procedures. The plan s average copay charged for procedures in this category cannot exceed the stated amount. 5 For families with two or more children covered under this dental plan, the out-of-pocket maximum is limited to $2,000 for all children ($1,000 per child times a maximum of two children).! i

5 Get more value when you add family dental and vision coverage Total health includes oral and vision health. If you have children, their dental and vision needs can be covered by one of our pediatric dental plans, and the pediatric vision benefits we include in every medical plan. But what about you? For as little as $34.50 per month, you can get complete coverage by adding valuable family dental and vision coverage with your medical coverage.* We even offer a convenient standalone dental + vision package Specialty Duo SM,t to make it easy for you to get the best of both worlds with one simple purchase. All of our family dental plans can be purchased with or without a medical plan. DENTAL PPO 50/1250 DENTAL PLUS PPO 50/1250 DENTAL PPO 25/500 DENTAL PLUS PPO 25/500 SPECIALTY DUO DENTAL + VISION PACKAGE DENTAL PPO DENTAL HMO $0 DENTAL HMO Diagnostic and preventive services (includes but is not limited to cleanings, X-rays, initial and periodic oral examinations) Restorative services fillings (one surface resin composite) Oral surgery (includes but is not limited to extraction of erupted tooth or exposed root) as $24.70 as $27.90 as $21.30 as $23.20 as $47.90 With participating providers, members pay 1 : as $36.80 as $ % 0% 0% 0% $0 $0 $0 $0 20% 2 20% 2 20% 2 20% 2 $37 3 $37 3 $20 $18 as $ % 2 20% 2 20% 2 20% 2 $40 3 $40 3 $40 $34 Root canal (anterior root canal) 50% 4 50% 4 50% 4 50% 4 $156 3 $156 3 $175 $155 Crowns (porcelain/ceramic substrate) 50% 4 50% 4 50% 4 50% 4 $265 4 $265 4 $350 5 $300 5 Fixed bridges (pontic-cast high noble metal) Removable prosthetics (full upper or lower dentures) 50% 4 50% 4 50% 4 50% 4 $293 4 $293 4 $350 5 $ % 4 50% 4 50% 4 50% 4 $388 4 $388 4 $400 $400 Orthodontics Not covered 50% 4 (for children up to age 26 only; limitations apply 6 ) Not covered 50% 4 (for children up to age 26 only; limitations apply 7 ) Vision coverage (includes exam, frame, lens, and contacts benefits) Not covered Not covered Not covered Not covered See the family vision coverage section for details Not covered Not covered Not covered Calendar-year deductible 8 $50 per / $150 per family $50 per / $150 per family $25 per / $75 per family $25 per / $75 per family $50 per $50 per $0 $0 Calendar-year benefit maximum $1,250 per $1,250 per $500 per $500 per $1,000 per $1,000 per None None This chart is an overview of benefits. For additional benefit information, cost for services, waiting periods, and exclusions and limitations, please see the Summary Guide and Important Legal Information booklets. The Enhanced Dental PPO 50/1250, Enhanced Dental Plus PPO 50/1250, Enhanced Dental PPO 25/500, Enhanced Dental Plus PPO 25/500, and Enhanced Dental HMO $0 plans are pending regulatory approval. * Rate is for a 21-year-old enrolled in the Enhanced Dental HMO $0 and Ultimate Vision 15/25/150 plans. t Underwritten by Blue Shield of California Life & Health Insurance Company (Blue Shield Life). Specialty Duo is pending regulatory approval. Rate is for members ages 0 through There is a six-month waiting period for these services. 3 There is a three-month waiting period for these services. 4 There is a 12-month waiting period for these services. 5 If precious metals are used, member will be charged at the dentist s cost. For Dental HMO, porcelain on molar teeth is subject to an additional charge of $ There is a $100 deductible for orthodontia, a $500 annual maximum benefit per child per year, and a $1,000 maximum per child per lifetime. 7 There is a $50 deductible for orthodontia, a $250 annual maximum benefit per child per year, and a $500 maximum per child per lifetime. 8 Applies to all services except diagnostic and preventive services. See endnotes 6 and 7 above for deductible requirements specific to orthodontics.

6 Family vision coverage Keep an eye on your vision health with a Blue Shield vision plan. Ultimate Vision 15/25/150* is a comprehensive vision plan that features a $150 frame allowance, and ULTIMATE VISION 15/25/150 as $21.00 t SPECIALTY DUO DENTAL + VISION PACKAGE as $47.90 t Allowance and copays with participating providers 1 : Eye exam (every 12 months) $15 copay $0 copay Materials copay $25 copay $25 copay Frames Lenses Standard single vision, lined bifocal or lined trifocal with scratch coating Lens options and treatments Polycarbonate lenses (only for dependent children) $150 allowance (every 12 months) $100 allowance (every 24 months) $0 copay $0 copay $100 allowance $100 allowance Polycarbonate lenses $160 allowance Not covered Progressive lenses $115 allowance Not covered Anti-reflective lens coating $140 allowance Not covered Contact lenses 2 Medically necessary $25 copay $25 copay Elective (cosmetic or convenience) $120 allowance $120 allowance Diabetes management referral $0 copay $0 copay Dental benefits (includes coverage for preventive, diagnostic, minor services, and major services) Specialty Duo offers the convenience of dental and vision coverage in a single package. Both plans can be purchased with or without a medical plan. None See the family dental plans section for details Deductible $0 $0 Individual term life insurance Facing financial burdens after the loss of a loved one can be overwhelming, and having life insurance helps. Individual term life insurance plans from Blue Shield Life can help safeguard the future of the significant people in your life your spouse, partner, or children by providing critical financial protection that can be used to cover living expenses, college education costs, mortgage payments, and more. Take a step toward safeguarding the financial future of those you care about by applying for life insurance coverage from Blue Shield Life. We offer the financial protection and security of $10,000, $30,000, $60,000, $90,000, and $100,000 in term life insurance with low monthly rates based on your age. Age range $10,000 $30,000 $60,000 $90,000 $100,000 Available coverage amounts* 1 to 18 t $1.95 $2.95 N/A N/A N/A 19 to 29 $2.75 $5.35 $9.25 $13.15 $ to 39 $3.05 $6.25 $11.05 $15.85 $ to 49 $5.85 $14.65 $27.85 $41.05 $ to 59 $13.85 $38.65 $75.85 $ $ to 64 $20.45 $58.45 $ $ $ Coverage is available to all s, ages 1 to 64, with or without a Blue Shield health plan. Simply complete and submit the Application for Individual Term Life Insurance Coverage for consideration. Download the application at blueshieldca.com/bsca/find-a-plan/ life-insurance-plans or call your broker today. * Individual term life insurance is available to applicants ages 1 to 64. All plans terminate at age 65. t Those under age 19 are not eligible for $60,000, $90,000, or $100,000 amounts of coverage. This chart is an overview of benefits. For additional benefit information, cost for services, waiting periods, and exclusions and limitations, please see the Summary Guide and Important Legal Information booklets. * Underwritten by Blue Shield of California Life & Health Insurance Company (Blue Shield Life). Ultimate Vision 15/25/150 is pending regulatory approval. t Rate is for members ages 0 through Participating providers accept Blue Shield s allowable amounts as payment-in-full for covered services. There is a 90-day waiting period for all vision benefits.! i 2 Contact lens may be selected in lieu of eyeglasses. It s easy to apply! Get the valuable coverage you need with a Blue Shield plan. Call your broker today! You can also visit blueshieldca.com/findaplan. Blue Shield of California is an independent member of the Blue Shield Association A12179-OL-REV (1/14) Covered California is a registered trademark of the State of California. blueshieldca.com

Individual and Family Plans

Individual and Family Plans Effective: January 1, 2015 Individual and Family Plans find a plan that fits you live by your own plan a plan for your life Everyone s needs are unique, and it s important to find a plan that best fits

More information

Dental, vision, and life insurance plans. a complete plan is a better plan. find a plan that fits you. Individual and Family Plans

Dental, vision, and life insurance plans. a complete plan is a better plan. find a plan that fits you. Individual and Family Plans Effective: January 1, 2016 Individual and Family Plans Dental, vision, and life insurance plans find a plan that fits you a complete plan is a better plan Blue Shield offers more than just medical coverage.

More information

dental plans and term life insurance coverage

dental plans and term life insurance coverage dental plans and term life insurance coverage Dental coverage Complete your Blue Shield health coverage with an affordable dental plan. Did you know that more than 90% of all common diseases have oral

More information

dental and term life insurance coverage

dental and term life insurance coverage dental and term life insurance coverage Dental coverage Complete your Blue Shield health coverage with an affordable dental plan. Because dental health is an important part of your total wellness, we offer

More information

Anthem BCBS PPO 80/60. Network Out-of-Network Network Out-of-Network Network Out-of-Network $1,750 per person. $2,500 per person $5,000 per family

Anthem BCBS PPO 80/60. Network Out-of-Network Network Out-of-Network Network Out-of-Network $1,750 per person. $2,500 per person $5,000 per family Plan PPO 90/70 PPO 80/60 PPO 75/50 Annual Medical Deductible Network Out-of-Network Network Out-of-Network Network Out-of-Network $250 per person $500 per person $500 per person $1,000 per person $900

More information

HDHP/HSA. $3,000 per person $6,000 per family (deductible includes medical & prescriptions) $7,000 per person $13,000 per family

HDHP/HSA. $3,000 per person $6,000 per family (deductible includes medical & prescriptions) $7,000 per person $13,000 per family Plan Aetna Select EPO BCBS PPO 90/70 BCBS HDHP/HSA High Option EPO EPO 80 Choice Choice Plus 80/60 Annual Medical Deductible Annual Out-of-Pocket Maximum (includes deductible) Network Only Network Out-of-Network

More information

Dental and vision coverage for your total health

Dental and vision coverage for your total health Dental and vision coverage for your total health The mouth and eyes are important parts of your body, and your health. Regular dental and vision checkups can help nd early warning signs of disease. So

More information

Take control of your total health with the right vision and dental coverage

Take control of your total health with the right vision and dental coverage Take control of your total health with the right vision and dental coverage The mouth and eyes are important parts of your body and your health. Regular dental and vision checkups can help find early warning

More information

Employer Health Insurance

Employer Health Insurance Employer Health Insurance Product Guide 2015 plans for employers with 1-50 employees 1 and 51-99 employees 2 1 These plans are offered to employers considered small for purposes of the Affordable Care

More information

2013 IBM Health Benefit Comparison Charts

2013 IBM Health Benefit Comparison Charts 203 IBM Health Benefit Comparison Charts for IBM Active Employees These Health Benefit Comparison Charts provide a summary overview of the coverage available for medical services, mental health/substance

More information

PROVIDENCE MEDICARE ADVANTAGE PLANS. 2015 Plan Comparison Western Oregon and Clark County Washington H9047_2015PHP40_ACCEPTED

PROVIDENCE MEDICARE ADVANTAGE PLANS. 2015 Plan Comparison Western Oregon and Clark County Washington H9047_2015PHP40_ACCEPTED PROVIDENCE MEDICARE ADVANTAGE PLANS 2015 Plan Comparison Western Oregon and Clark County Washington H9047_2015PHP40_ACCEPTED Service area map Columbia River Washington Oregon Clark Providence Medicare

More information

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO

Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO Your Plan: Anthem Silver HMO 1500/30%/6550 Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

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

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVE and RETIRED PARTICIPANTS

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVE and RETIRED PARTICIPANTS Employee Premium None None None None None Explanation of Plans and Options Available to You Deductible Annual Out-of-Pocket Calendar Year (Applicable to members who reside in California & Nevada Only.)

More information

Welcome to Your Texas A&M System Dental Benefits Program

Welcome to Your Texas A&M System Dental Benefits Program Welcome to Your Texas A&M System Dental Benefits Program The Benefits of Choice Two great Delta Dental options to choose from Choose between the A&M Dental PPO plan and the DeltaCare USA DHMO Enrollment

More information

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO

Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO Your Plan: Anthem Bronze PPO 5500/30%/6450 w/hsa Your Network: Prudent Buyer PPO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does

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

Affordable dental plan and package options for Medicare Supplement plan members

Affordable dental plan and package options for Medicare Supplement plan members Affordable dental plan and package options for Medicare Supplement plan members Last updated: November 2014 Blue Shield of California rates effective: August 1, 2014 Something to smile about Make the choice,

More information

Group Dental and Eye Care

Group Dental and Eye Care GROUP DENTAL We offer a variety of dental programs tailored to fit the needs of groups with 10 or more lives. Not only are the plans flexible, but they can be written either as stand-alone coverage or

More information

MyHPN Solutions HMO Silver 4

MyHPN Solutions HMO Silver 4 MyHPN Solutions HMO Silver 4 Attachment A Schedule Calendar Year Deductible (CYD): $2,250 of EME per Member and $4,500 of EME per family. The Calendar Year Out of Pocket Maximum includes the CYD and is

More information

Federal Employee Dental and Vision Options

Federal Employee Dental and Vision Options Federal Employee Dental and Vision Options 2016 Guide for Presbyterian Health Plan Members For more information: 1804 Juan Tabo NE, Suite A, Albuquerque, NM 87112 888 862 8659 505 237 1501 benefitsource.org

More information

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVES and EARLY RETIREES

OPERATING ENGINEERS HEALTH & WELFARE FUND BENEFIT PLANS SUMMARY COMPARISON FOR ACTIVES and EARLY RETIREES PPO Kaiser Permanente For Non-PPO Providers Employee Premium None None None None None Explanation of s and Options Available to You If you choose a doctor who is not contracted with Anthem Blue Cross the

More information

US Airways Medicare Options US Trust 2015 Benefits Guide

US Airways Medicare Options US Trust 2015 Benefits Guide US Airways Medicare Options US Trust 2015 Benefits Guide Welcome to the 2015 Medicare Options US Trust Retiree Benefit Plans This guide includes detailed information regarding the benefit options available

More information

Health plans for individuals and families

Health plans for individuals and families 2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll

More information

2015 HEALTH INSURANCE OPTIONS

2015 HEALTH INSURANCE OPTIONS INSURANCE PLUS Rose Gagliardi 15 West Main Street President Oyster Bay, NY 11771 516-922-1200 / 212-268-4473 516-922-2801 fax rose@insuranceplusny.com www.insuranceplusny.com September 16, 2015 2015 HEALTH

More information

Plan Choices: PPO Plan HSA/High Deductible Plan

Plan Choices: PPO Plan HSA/High Deductible Plan Evraz Claymont Steel Comparison of Benefits 2010 MEDICAL - Claymont This summary is an overview only. The terms and conditions of the benefits described in this guide are determined solely by Health Plan

More information

HEALTH CARE DENTAL CARE

HEALTH CARE DENTAL CARE UNIVERSITY OF DAYTON MEDICARE SUPPLEMENT PLAN OPEN ENROLLMENT HEALTH CARE DENTAL CARE 2016 Office of Human Resources 300 College Park Dayton, OH 45469-1614 Phone 937-229-2541 Fax 937-229-2009 O65 1 Health

More information

Coventry HealthAmerica Small Business Solutions PENNSYLVANIA

Coventry HealthAmerica Small Business Solutions PENNSYLVANIA Coventry HealthAmerica Small Business Solutions PENNSYLVANIA Plan Name Coinsurance Single 2x Family PCP Office Visit Specialist Office Visit Convenience Care Urgent Care Emergency Room Labs X-ray Diagnostics

More information

Benefit Summary Guide Health plan information for individuals & families

Benefit Summary Guide Health plan information for individuals & families Effective: January 1, 2015 Benefit Summary Guide Health plan information for individuals & families PPO Healthcare coverage that fits your needs We offer a range of health plans to choose from, with easy

More information

Employee Benefits Summary. Plan Year 2014/15

Employee Benefits Summary. Plan Year 2014/15 Employee Benefits Summary Plan Year 2014/15 WELCOME -3- Mount Ida College offers a competitive benefits package to all eligible faculty and staff. The following is a summary of the benefit plans offered.

More information

Health Choice Essential Gold Standard Gold Off Exchange Plan Network: Health Choice Essential Type of Coverage: HMO

Health Choice Essential Gold Standard Gold Off Exchange Plan Network: Health Choice Essential Type of Coverage: HMO Subscriber ID: [XXXXXXX] Health Choice Essential Gold Standard Gold Off Exchange Plan Network: Health Choice Essential Type of Coverage: HMO EOC Effective Date: [XX/XX/XXXX] Subscriber: [Subscriber Name]

More information

Take charge of your health.

Take charge of your health. Take charge of your health. Choose Aetna, Choose Affordable Coverage The information you need to choose quality and affordable health benefits and insurance coverage. 63.43.300.1 (1/11) HEALTH CARE REFORM

More information

Dental and Vision Plan Information for OSU/A&M System Employees

Dental and Vision Plan Information for OSU/A&M System Employees Employee Benefit Options Guide Plan Year 2016 January 1 through December 31, 2016 Dental and Vision Plan Information for OSU/A&M System Employees www.sib.ok.gov Oklahoma State University/A&M System Monthly

More information

Health plans for individuals and families

Health plans for individuals and families 2015 Health Plan Information Health plans for individuals and families + Choosing the right plan for you + Subsidy eligibility information + Plan comparison charts + Terms and definitions + How to enroll

More information

Your Plan: Anthem Gold HMO 500/20%/5000 Your Network: California Care HMO

Your Plan: Anthem Gold HMO 500/20%/5000 Your Network: California Care HMO Your Plan: Anthem Gold HMO 500/20%/5000 Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does not

More information

More to feel good about. Baltimore City Public Schools. 2011 Dental Options

More to feel good about. Baltimore City Public Schools. 2011 Dental Options More to feel good about. Baltimore City Public Schools 2011 Dental Options Baltimore City Public Schools Important Phone Numbers for 2011 DHMO Customer Service (410) 847-9060 or (888) 833-8464 Mailing

More information

Health Insurance Benefits Summary

Health Insurance Benefits Summary Independent licensee of the Blue Cross and Blue Shield Association Health Insurance Benefits Summary Community Blue SM PPO Health Maintenance Exam (1) Covered 100%, one per calendar year, includes select

More information

Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES

Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES Premera DentalBlueTM FOR ALASKA GROUPS WITH 2+ EMPLOYEES January 2016 Dental product options for a more attractive benefits package Premera Blue Cross Blue Shield of Alaska dental plans offer the choice

More information

Health Insurance Marketplace in Illinois Plan Comparison Charts

Health Insurance Marketplace in Illinois Plan Comparison Charts 2015 Independent Authorized Agent for An Independent Licensee of the Blue Cross Blue Shield Association Health Insurance Marketplace in Illinois Plan Comparison Charts preventive services and maternity

More information

Benefits At A Glance Plan C

Benefits At A Glance Plan C Benefits At A Glance Plan C HIGHLIGHTS OF WELFARE FUND BENEFITS WELFARE FUND BENEFITS IN BRIEF Medical and Hospital Benefits Empire BlueCross BlueShield Plan C-1 Empire BlueCross BlueShield Plan C-2 All

More information

PPO Health Insurance Plans Coverage Made Easy

PPO Health Insurance Plans Coverage Made Easy Commercial Plans for Individuals and Families PPO Health Insurance Plans Coverage Made Easy Individual & Family Plans and California Farm Bureau Members Health Insurance Plans Effective January 1, 2013

More information

Individual & Family Products. 2016 Comparison Chart

Individual & Family Products. 2016 Comparison Chart Individual & Family Products 2016 Comparison Chart Plan Description Our plans are designed for Arizonans in every stage of life. Choose a plan that works best for you or your family. All of the plans

More information

2015 Medical and Dental Plan Comparison Chart

2015 Medical and Dental Plan Comparison Chart Benefits for Professional Staff 2015 Medical and Dental Plan Comparison Chart This workplace has been recognized by the American Heart Association for meeting criteria for employee wellness. This chart

More information

Individual Health Insurance A Family of Plans Designed Around Your Needs

Individual Health Insurance A Family of Plans Designed Around Your Needs Individual Health Insurance A Family of Plans Designed Around Your Needs All for You - trusted, reliable, affordable health insurance for you and your loved ones For over 70 years, Blue Cross and Blue

More information

2016 Health insurance plans

2016 Health insurance plans 2016 Health insurance plans CHOOSE Find out if you may be eligible for financial help Compare plans and choose the best one for you Learn how you can get the most out of your membership Table of contents

More information

I AM: MATCH ME TO MY HEALTH PLAN A RESIDENT OF FLORIDA * HAPPIEST WHEN I M HEALTHIEST LIKE NO ONE ELSE

I AM: MATCH ME TO MY HEALTH PLAN A RESIDENT OF FLORIDA * HAPPIEST WHEN I M HEALTHIEST LIKE NO ONE ELSE Insured by Cigna Health and Life Insurance Company MATCH ME TO MY HEALTH PLAN I AM: X A RESIDENT OF FLORIDA * X HAPPIEST WHEN I M HEALTHIEST X LIKE NO ONE ELSE 863952 D2C FL 09/13 *These plans are available

More information

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office Rev. Jan. 2013 FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated agreements.

More information

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

More information

Your Plan: Anthem Gold HMO 35/25%/6600 Your Network: California Care HMO

Your Plan: Anthem Gold HMO 35/25%/6600 Your Network: California Care HMO Your Plan: Anthem Gold HMO 35/25%/6600 Your Network: California Care HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary does not

More information

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

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? Gold 80 PPO Network Name: Exclusive Coverage Period: Beginning on or after 1/1/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type:

More information

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY

BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY Human Resources Office May, 2014 BEMIDJI STATE UNIVERSITY FACULTY (IFO) CANDIDATE BENEFITS SUMMARY The benefits listed are subject to change pending state and federal legislation and changes in the negotiated

More information

SCHEDULE OF BENEFITS. Group LINK Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group LINK Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

More information

2014 Medical and Dental Plan Comparison Chart

2014 Medical and Dental Plan Comparison Chart Benefits for Residents 2014 Medical and Dental Plan Comparison Chart This chart is only a summary. For details, limitations, and exclusions, please contact your Professional Staff Benefits Office for the

More information

Can high-quality health plans cost less?

Can high-quality health plans cost less? Can high-quality health plans cost less? HorizonBlue.com Your Plan Decision Guide For 2016 Individual & Family Health Insurance Coverage Why choose Horizon Blue Cross Blue Shield of New Jersey? Largest

More information

OF MIRAMAR 2016 RETIREE BENEFIT HIGHLIGHTS

OF MIRAMAR 2016 RETIREE BENEFIT HIGHLIGHTS Thank you for your years of service to the City of Miramar. Your benefits are a very important part of your compensation package as a City of Miramar Retiree and I wanted to deliver a personal message

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

Individual Dental Insurance

Individual Dental Insurance Individual Dental Insurance From Delta Dental of Wisconsin Be your own individual with dental plans from the most trusted name in dental benefits. Plan designs and rates subject to change without notice.

More information

Small group and CalChoice benefit comparison

Small group and CalChoice benefit comparison Small group and CalChoice benefit comparison effective July 1, 2015 We believe in choice. A guide to choosing the right plan for your business US health plan 1 San Diegans choose Sharp Health Plan With

More information

Ultimate Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix)

Ultimate Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix) Ultimate Full PPO for Small Business 0 Benefit Summary (For groups 1 to 50) (Uniform Health Plan Benefits and Coverage Matrix) Blue Shield of California Effective January 1, 2014 THIS MATRIX IS INTENDED

More information

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

More information

Benefit Program Summary

Benefit Program Summary Benefit Program Summary The Cleveland Clinic is comprised of ten of Northeast Ohio s most prestigious hospitals and offers its employees career opportunities in state-of-the-art facilities that cover the

More information

PROVIDENCE MEDICARE ADVANTAGE PLANS. 2016 Plan Comparison Central Oregon and Hood River County H9047_2016PHP42 ACCEPTED

PROVIDENCE MEDICARE ADVANTAGE PLANS. 2016 Plan Comparison Central Oregon and Hood River County H9047_2016PHP42 ACCEPTED PROVIDENCE MEDICARE ADVANTAGE PLANS 2016 Plan Comparison Central Oregon and Hood River County H9047_2016PHP42 ACCEPTED Service area map Columbia River Washington Oregon Clark Providence Medicare Compass

More information

SCHEDULE OF BENEFITS (continued) Group LINK Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS (continued) Group LINK Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68 ] Family Coverage [$1,210.66]] Benefit

More information

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy

SCHEDULE OF BENEFITS. Group Access Care Comprehensive Health Insurance Policy SCHEDULE OF BENEFITS Classes of Employees Insured: [Class 1 All Active Full-Time Indian Employees] [Monthly Premium Rates: Individual - [$ 398.34] Two-Person [$796.68] Family Coverage [$1,210.66]] Benefit

More information

Important Questions Answers Why this Matters:

Important Questions Answers Why this Matters: Minimum Coverage PPO Network Name: Exclusive Coverage Period: Beginning on or after 1/1/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan

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

Medicare Supplement plans at a glance

Medicare Supplement plans at a glance Medicare Supplement plans at a glance Medicare Supplement plan information is effective as of January 1, 2013 S2468_12_249A CMS Accepted 09032012 blueshieldca.com/findamedicareplan Use this brochure to:

More information

Individual Health Insurance

Individual Health Insurance Individual Health Insurance Plans that fit every need, lifestyle and budget. Through It All. 866-303-BLUE (2583) bcbsok.com SM Call 866-303-BLUE (2583), visit bcbsok.com, or contact an independent Blue

More information

GUIDE TO MEDICAL AND DENTAL PLANS

GUIDE TO MEDICAL AND DENTAL PLANS GUIDE TO MEDICAL AND DENTAL PLANS B e n e f i t s e f f e c t i v e J u l y 1, 2016 t h r o u g h J u n e 3 0, 2 0 1 7 Choosing your benefits is an important decision. This guide provides you with the

More information

Medicare Options For Retiree/Direct Bill Members

Medicare Options For Retiree/Direct Bill Members Open Enrollment 2014 State Employee Health Plan Medicare Options For Retiree/Direct Bill Members Comparison Chart 2 2013 **Cover photo is titled Road into the Field from the Postcards from Kansas collection

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

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

Providence Health Plan is an HMO and HMO-POS health plan with a Medicare contract. Enrollment in Providence Health Plan depends on contract renewal.

Providence Health Plan is an HMO and HMO-POS health plan with a Medicare contract. Enrollment in Providence Health Plan depends on contract renewal. Providence Health Plan is an HMO and HMO-POS health plan with a Medicare contract. Enrollment in Providence Health Plan depends on contract renewal. Section 1 Introduction to the Summary of Benefits for

More information

Fee-for-Service. Medicare Supplemental Retiree Health Plans

Fee-for-Service. Medicare Supplemental Retiree Health Plans Sheet Metal Workers Health Plan of Southern California, Arizona & Nevada April 2011 Summary Comparison Of Benefits Available under the Fee-for-Service and Medicare Supplemental Retiree Health Plans Important:

More information

Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts

Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts Sherwin-Williams Medical, Prescription Drug and Dental Plans Plan Comparison Charts You and Sherwin-Williams share the cost of certain benefits including medical and dental coverage and you have the opportunity

More information

2016 Health, Dental and Vision Monthly Contributions

2016 Health, Dental and Vision Monthly Contributions 2016 Health, Dental and Vision Monthly Contributions Benefit Plan Monthly Contributions for Active Regular Full-Time and Part-Time Employees Employee Only Spouse Child(ren) Family Dental: Cigna PPO $ 12

More information

(1) may be provided under contract with another health care insurer;

(1) may be provided under contract with another health care insurer; Sec. 21.42.385. Dental, vision, and hearing coverage. (a) Except for a fraternal benefit society, a health care insurer that offers, issues for delivery, delivers, or renews in this state a health care

More information

2 Medical Health Insurance Plans Dental Plan Option Vision Plan Option

2 Medical Health Insurance Plans Dental Plan Option Vision Plan Option STUDENT OSTEOPATHIC MEDICAL ASSOCIATION 2013-2014 SCHOOL YEAR PLAN SUMMARIES COLLEGE HEALTH INSURANCE PROGRAM 2 Medical Health Insurance Plans Dental Plan Option Vision Plan Option The 2013-2014 complete

More information

LEARN. Your guide to health insurance. How to choose the best plan for you and your family

LEARN. Your guide to health insurance. How to choose the best plan for you and your family LEARN Your guide to health insurance How to choose the best plan for you and your family Table of Contents Understanding health insurance...1 Health care law and you...2 Health insurance basics...4 Why

More information

... for your interest in a Medicare Supplement plan from Blue Cross and Blue Shield of Georgia.

... for your interest in a Medicare Supplement plan from Blue Cross and Blue Shield of Georgia. Thank you...... for your interest in a Medicare Supplement plan from Blue Cross and Blue Shield of Georgia. With a Medicare Supplement plan, you can have peace of mind knowing you have reliable coverage

More information

Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO

Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO Your Plan: Value HMO 25/40/20% (RX $10/$30/$45/30%) Your Network: Select Plus HMO This summary of benefits is a brief outline of coverage, designed to help you with the selection process. This summary

More information

benefit summary guide

benefit summary guide benefit summary guide Group health plan information for small businesses with 1 to 50 eligible employees Effective January 1, 2014 blueshieldca.com Healthcare coverage that works for your business With

More information

BlueSelect Silver ValueTwo for Individuals

BlueSelect Silver ValueTwo for Individuals BlueSelect Silver ValueTwo for Individuals Coverage Period: 1/1/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Single Plan Type: PPO This is only

More information

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada

California Ironworkers Field Welfare Plan 1/1/2014 Open Enrollment Benefit Plan Comparison Non-Medicare Retired Participants Residing in Nevada Non- Choice of Providers Calendar Year Deductible *The Fund s Calendar Year Deductible is never waived. However, some services are not subject to the Deductible. If you live in Nevada, your network of

More information

Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO

Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO Anthem Blue Cross Life and Health Insurance Company Your Plan: Solution PPO 1500/15/20 Your Network: Prudent Buyer PPO This summary of benefits is a brief outline of coverage, designed to help you with

More information

Who are you healthy for?

Who are you healthy for? Who are you healthy for? Be there for those you care about Health plans for individuals and families 1/1/2016 WE RE HERE FOR YOU EVERY STEP OF THE WAY For help choosing and enrolling in a plan 877-PREMERA

More information

Health Plan Comparison Chart

Health Plan Comparison Chart Open Enrollment 2014 State Employee Health Plan Health Plan Comparison Chart & other information For Active State Employees 2013 **Cover photo is titled Road into the Field from the Postcards from Kansas

More information

IMRF-endorsed health insurance programs

IMRF-endorsed health insurance programs IMRF-endorsed health insurance programs Read this booklet for information on choosing a health care plan endorsed by the IMRF Board of Trustees. This booklet also includes information about: Medicare Part

More information

Compare your plan options

Compare your plan options SMALL BUSINESS GROUP 2015 Compare your plan options Plans for businesses with 1 50 employees 1 SMALL BUSINESS GROUP Value, choice, and quality the Group Health difference Your job is running a business.

More information

CARING FOR NEW YORK S SMALL BUSINESSES Off-Exchange 2016 Plans and Services for Downstate Groups With Up to 100 Employees

CARING FOR NEW YORK S SMALL BUSINESSES Off-Exchange 2016 Plans and Services for Downstate Groups With Up to 100 Employees CARING FOR NEW YORK S SMALL BUSINESSES Off-Exchange 2016 Plans and Services for Downstate Groups With Up to 100 Employees SMALL GROUP PLANS AT A GLANCE With the needs and budgets of small businesses in

More information

EmblemHealth Preferred Dental

EmblemHealth Preferred Dental EmblemHealth Preferred Dental Unique coverage levels at affordable group rates. Here s how EmblemHealth Preferred Dental will deliver for you: Complete your benefits package with paid-infull* in-network

More information

Service AvMed Cigna Leon Cares Humana HMO Humana PPO UnitedHealthcare. Out-of- Network

Service AvMed Cigna Leon Cares Humana HMO Humana PPO UnitedHealthcare. Out-of- Network 2016 Medicare Advantage Plans Comparison Chart This comparison chart is a side-by-side representation of services offered through the AvMed, Cigna, UHC, and Humana Medicare Advantage Plans for both in-network

More information

Small Business Solutions

Small Business Solutions Small Business Solutions Dental Benefits and Insurance Plan Options Florida Dental benefits plans and dental insurance plans are offered, underwritten or administered by Aetna Life Insurance Company (Aetna).

More information

StudentBlue University of Nebraska

StudentBlue University of Nebraska Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type: PPO What is the overall deductible? This is only a summary. If you want more details about

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

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

Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services? : VIVA HEALTH Access Plan Coverage Period: 01/01/2015 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 policy or plan document

More information

Employee Only: $42 Employee + Spouse: $86 Employee + Child(ren): $86 Family: $120. coordinated through a Kaiser provider.

Employee Only: $42 Employee + Spouse: $86 Employee + Child(ren): $86 Family: $120. coordinated through a Kaiser provider. Evraz Oregon Steel Comparison of Benefits 2010 MEDICAL This summary is an overview only. The terms and conditions of the benefits described in this guide are determined solely by Health Plan Summary Plan

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

Employee Benefits 2014. An Overview of Your Benefits Program

Employee Benefits 2014. An Overview of Your Benefits Program Employee Benefits 2014 An Overview of Your Benefits Program Medical 1 Pharmacy 4 Dental 4 Flexible Spending Accounts 6 Life Insurance 7 Disability 8 Additional Benefits 9 Vacation, Personal, Holiday and

More information

Decision Guide. For 2014 Individual & Family Health Insurance Coverage

Decision Guide. For 2014 Individual & Family Health Insurance Coverage Your Plan Decision Guide For 2014 Individual & Family Health Insurance Coverage Health care reform is here. And some things are changing. Starting in 2014, nearly everyone will be required to have health

More information