2016 Business health insurance plans

Size: px
Start display at page:

Download "2016 Business health insurance plans"

Transcription

1 2016 Business health insurance plans Live well. We ll insure you do. MercyCare Health Plans is a Qualified Health Plan issuer in the Health Insurance Marketplace.

2 About us Healthy businesses depend on healthy employees. MercyCare s business health plans are backed by a company that s been helping people like you stay healthy for over 20 years. MercyCare provides quality, affordable health insurance for health care services close to home. MercyCare offers a variety of affordable plans including: HMO plans (Health Maintenance Organization) EPO plans (Exclusive Provider Option) PPO plans (Preferred Provider Option) High deductible options Health savings accounts If you already use our health system providers, you can continue your relationship with them. Did you know that MercyCare: Manages over 40,000 members? Is one of the largest HMO plan providers in the area? Has an open access network, meaning no referrals are needed for in-plan services? Provides you access to more than 400 medical professionals? Has local customer service to assist you? page 2

3 When it comes to safeguarding your health, MercyCare Health Plans gives you access to a network of top Mercy Health System specialists right here at home, so it s easy to get the care you need, when you need it. Mercy offers over 150 specialty services that range from the most basic to the highly complex. Right here at home, our patients receive the highest standard of care, including: Verified Level II emergency trauma Certified primary stroke care Cardiac catheterization labs 24/7 Certified heart failure care Certified chest pain care Accredited cancer care (radiation and chemotherapy) Accredited joint replacement care Radiology department staffed 24/7 MD-1 emergency response vehicle ICU critical care physician coverage 24/7 Neurosurgery physician coverage 24/7 Orthopaedic physician coverage 24/7 Plastic surgery physician coverage 24/7 InQuicker for emergency and urgent care And so much more To see more of what MercyCare Health Plans has to offer, visit our website at MercyCareHealthPlans.com. Quality, affordable health care close to home page 3

4 page 4

5 H Watertown Johnson Creek Lake Mills * Jefferson Jefferson Cambridge Fort Atkinson H Green Edgerton Milton Evansville Brodhead Rock H Janesville Beloit Whitewater W alworth Delavan Sharon H Harvard Elkhorn H Lake Geneva Illinois McHenry McHenry Woodstock Crystal Lake Barrington finding a provider If you are looking for a provider, MercyCare Health Plans offers a complete, up-to-date listing of our physicians, clinics and pharmacies at MercyCareHealthPlans.com. To locate a participating provider, follow these simple steps: 1. Visit MercyCareHealthPlans.com 2. Click on the Find a Doctor/Facility box on the home page 3. Select your plan 4. Search by location, specialty or name A printed copy of our provider directory is also available upon request. Please call MCHP at (800) to have a copy sent to you. *Where applicable. Not all providers are available on all plans. See your provider directory for plan providers. page 5

6 Hospitals 24-hour emergency care Mercy Hospital and Trauma Center 1000 Mineral Point Ave. Janesville, WI (608) (800) Mercy Walworth Hospital and Medical Center N2950 State Rd. 67 Lake Geneva, WI (262) Mercy Harvard Hospital 901 Grant St. Harvard, IL (815) Fort HealthCare, Inc. Fort Memorial Hospital 611 Sherman Ave. East Fort Atkinson, WI (920) Watertown Memorial Hospital 125 Hospital Dr. Watertown, WI (920) Urgent care Mercy East Urgent Care 3524 E. Milwaukee St. Janesville, WI (608) Monday-Friday, 8 am-8 pm Saturday, Sunday, 9 am-5 pm InQuicker Mercy South Urgent Care 849 Kellogg Ave. Janesville, WI (608) Monday, Wednesday, 8 am-7 pm Tuesday, Thursday, Friday, 8 am-5 pm Saturday, 8 am-noon Mercy North Urgent Care 3400 Deerfield Dr. Janesville, WI (608) Monday-Friday, 7 am-9 pm Saturday, Sunday, holidays, 9 am-9 pm InQuicker Mercy Mall Urgent Care 1010 N. Washington St. Janesville, WI (608) Saturday, Sunday, 7 am-7 pm, Closed holidays InQuicker Mercy Beloit Urgent Care 2825 Prairie Ave. Beloit, WI (608) Monday-Friday, 5-8 pm Saturday, 8 am-1 pm Mercy Walworth Urgent Care N2950 State Rd. 67 Lake Geneva, WI (262) Monday-Friday, 8 am-8 pm Saturday, Sunday, 9 am-1 pm Mercy Whitewater Urgent Care 507 W. Main St. Whitewater, WI (262) Monday-Friday, 5-9 pm Saturday, 9 am-2 pm Fort HealthCare Lake Mills Urgent Care 200 E. Tyranena Park Rd. Lake Mills, WI (920) Monday-Friday, 5-8 pm Saturday, 8 am- 8 pm Sunday, 10 am-8 pm Fort HealthCare, Inc. Fort Memorial Hospital-Urgent Care 611 Sherman Ave. East Fort Atkinson, WI (920) Monday-Friday, 5-11 pm Saturday, Sunday, holidays, noon-11 pm Watertown Memorial Hospital Urgent Care (located outside emergency department) 806 Schuman Dr. Watertown, WI (920) Daily, 10 am-8 pm Immediate care Mercy McHenry Immediate Care 3922 Mercy Dr. McHenry, IL (815) Monday-Saturday, 8 am-6 pm Mercy Woodstock Immediate Care 2000 Lake Ave. Woodstock, IL (815) Monday-Friday, 8 am-8 pm Saturday, Sunday, 8 am-6 pm page 6

7 MercyCare Health Plans Discover the benefits MercyCare Health Plans has been providing health care coverage since 1994 and has grown to over 40,000 members. Our insurance plans are accepted by over 400 medical providers in southern Wisconsin and northern Illinois. Live well. We ll insure you do. MercyCare coordinates all aspects of health care to offer our subscribers the best health benefits possible at the lowest cost. MercyCare is proud to offer dependable, affordable care close to home. page 7

8 worksite wellness programs How healthy is your workplace? Take the next step for you and your employees. page 8

9 MercyCare is here to help by offering the following services: Health Risk Assessments (HRA) Web-based health risk assessments are available for all members. Company receives aggregate health and productivity reports if 25 or more employees complete the HRA. (upon request) Health screenings Annual screenings for blood pressure, cholesterol and diabetes are offered at your worksite. Individual counseling on healthy lifestyles and results. Bilingual materials available. Smoking cessation programs Onsite smoking cessation programs (minimum six participants). Members are eligible to have this cost reimbursed under their Stay Healthy benefit. Health screening follow-up Members with abnormal results receive a follow-up by phone and/or letter. Referral to our programs (diabetes, high blood pressure, high cholesterol, chronic kidney disease and asthma) helps members manage their disease. Influenza vaccination clinics (subject to availability of vaccine) Provided onsite. Speakers Bureau We can arrange speakers and other employee health promotion programs. To find out more and apply, visit MercyCareHealthPlans.com page 9

10 page 10

11 definitions to help Here are some definitions to help you understand insurance coverage: Premium: Premium is a fixed amount you pay to MercyCare Health Plans, usually every month. You pay this even if you don t use medical care that month. Deductible: If you need medical care, a deductible is the amount you pay for care before MercyCare starts to pay its share. Once you meet your deductible, MercyCare begins to cover some costs of your care. Many plans provide preventive services, and sometimes other care, before you ve met your deductible. Copayment: Copayment is a fixed amount you ll pay for a medical service. For example, if your visit to the doctor s office is $150 and your copay is $25, you pay $25 and MercyCare pays the remaining $125. Coinsurance: Coinsurance is similar to copayment, except it s a percentage of costs you pay. For instance, you may pay 20% of the cost of a $100 medical bill. So you would pay $20 and MercyCare would pay the rest. page 11

12 MercyCare has a plan for you! MercyCare s group plans are laid out in metal tiers and detailed on pages 13. Our group plans offered through the Marketplace are grouped into four metal levels (bronze, silver, gold and platinum) to help you compare plans. All health plans in the Marketplace get a metal designation based on the level of cost-sharing. Cost-sharing refers to the costs that members share when they get medical care, such as a deductible and co-insurance. METAL LEVEL PREMIUMS OUT-OF-POCKET COSTS PLAN PAYS* PLATINUM Highest Lowest 90% GOLD Higher Lower 80% SILVER Moderate Moderate 70% BRONZE Lower Higher 60% *On average, the plan will pay this percentage of the total cost of the policy s benefits. page 12

13 2016 SHOP and small group plans Platinum Plans Medical RX EPO Plans EPO Full Pay $0 Ded. $1,250 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 EPO CO-90 $0 Ded. $1,500 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 EPO CO-80 $500 Ded. $1,500 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 HMO Plans HMO Full Pay $0 Ded. $1,250 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 HMO CO-90 $0 Ded. $1,500 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 HMO CO-80 $500 Ded. $1,500 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 PPO Plans PPO CO-90/70 $0 Ded. $1,500 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 PPO CO-80/60 $500 Ded. $1,500 OOPM $30/$60 OV copay $150 E.R. copay $10/$25/$50 Gold Plans Medical RX EPO Plans EPO CO-80 $1,250 Ded. $3,000 OOPM $30/$60 OV copay $150 E.R. copay $20/$40/$60 EPO CO-80 $2,000 Ded. $3,500 OOPM $30/$60 OV copay $150 E.R. copay $20/$40/$60 HMO Plans HMO CO-80 $1,250 Ded. $3,000 OOPM $30/$60 OV copay $150 E.R. copay $20/$40/$60 HMO CO-80 $2,000 Ded. $3,500 OOPM $30/$60 OV copay $150 E.R. copay $20/$40/$60 HMO H.S.A. CO-100 $2,000 Ded. $2,000 OOPM Integrated Ded. PPO Plans PPO CO-80/60 $1,250 Ded. $3,000 OOPM $30/$60 OV copay $150 E.R. copay $20/$40/$60 PPO CO-80/60 $2,000 Ded. $3,500 OOPM $30/$60 OV copay $150 E.R. copay $20/$40/$60 Silver Plans Medical RX EPO Plan EPO CO-70 $2,500 Ded. $6,800 OOPM $30/$70 OV copay $150 E.R. copay $20/$40/$60 HMO Plans HMO CO-70 $2,500 Ded. $6,800 OOPM $30/$70 OV copay $150 E.R. copay $20/$40/$60 HMO CO-70 $5,000 Ded., $6,500 OOPM, $30/$70 OV copay $150 E.R. copay $20/$40/$60 HMO H.S.A. CO-100 $4,000 Ded.; $4,000 OOPM Integrated Ded. PPO Plan PPO CO-70/50 $2,500 Ded. $6,800 OOPM $30/$70 OV copay $150 E.R. copay $20/$40/$60 Bronze Plans Medical RX HMO Plans HMO H.S.A. CO-100 $6,000 Ded.; $6,000 OOPM Integrated Ded. page 13

14 page 14

15 MercyCare My Plan Manage your health insurance online With MercyCare My Plan, you can view your benefits, claims and eligibility, request additional ID cards, change your primary care provider, ask questions and so much more. Visit MercyCareMyPlan.com to log in. Mercy MyChart Your health record. At your convenience. As a MercyCare member, you have access to Mercy MyChart, your online medical record. Review your medical history Schedule appointments Send messages to your provider View test results Request prescription refills Print your child s immunization records And more Get the app or visit MyChart.MercyHealthSystem.org page 15

16 MercyCare Health Plans MercyCare Insurance Company MercyCare HMO, Inc. 580 N. Washington St. Janesville, WI

2015 Business health insurance plans

2015 Business health insurance plans 2015 Business health insurance plans Live well. We ll insure you do. page 1 About us Healthy businesses depend on healthy employees. MercyCare s business health plans are backed by a company that s been

More information

individual and family health insurance plans

individual and family health insurance plans CALL TODAY: (800) 895-2421 MercyCare has a plan for you. individual and family health insurance plans Live well. We ll insure you do. page 1 About us MercyCare s individual health plans are backed by a

More information

Health Insurance Buyers Guide. What You Need to Know to Get Started

Health Insurance Buyers Guide. What You Need to Know to Get Started Health Insurance Buyers Guide What You Need to Know to Get Started Time to Enroll The Affordable Care Act has changed the way that many people get health insurance. You may have more options and more ways

More information

Understanding Health Insurance. Your Guide to the Affordable Care Act

Understanding Health Insurance. Your Guide to the Affordable Care Act Understanding Health Insurance Your Guide to the Affordable Care Act Summary Health insurance may seem like a luxury if you are on a tight budget. But protecting your health and your family is one of the

More information

EXPLORING NEW YORK S SHOP MARKETPLACE 2016 Overview for Small Groups

EXPLORING NEW YORK S SHOP MARKETPLACE 2016 Overview for Small Groups EXPLORING NEW YORK S SHOP MARKETPLACE 2016 Overview for Small Groups TABLE OF CONTENTS Why SHOP... 1 Who Can Enroll...2 How to Enroll...3 Choosing Plans...4 Our SHOP Offerings...5 SHOP Plan Comparison...6-7

More information

A Consumer Guide to Understanding Health Plan Networks

A Consumer Guide to Understanding Health Plan Networks A Consumer Guide to Understanding Health Plan Networks Table of Contents steps you can take to understand your health plan s provider network pg 4 What a provider network is pg 8 Many people are now shopping

More information

EXPLORING NEW YORK S SHOP MARKETPLACE. An Overview for Small Groups

EXPLORING NEW YORK S SHOP MARKETPLACE. An Overview for Small Groups EXPLORING NEW YORK S SHOP MARKETPLACE An Overview for Small Groups TABLE OF CONTENTS Why SHOP... 1 Who Can Enroll...2 How to Enroll...3 Choosing Plans...4 Our SHOP Offerings...5 SHOP Plan Comparison...6-7

More information

Colorado Small Business Enrollment Guide A BETTER WAY to take care of business

Colorado Small Business Enrollment Guide A BETTER WAY to take care of business 2015 SMALL BUSINESS HEALTH Colorado Small Business Enrollment Guide A BETTER WAY to take care of business Choose BETTER. 31 Important deadline Open enrollment begins on November 15, 2014 for coverage beginning

More information

Colorado Springs Health Partners INDIVIDUAL & FAMILY PLANS

Colorado Springs Health Partners INDIVIDUAL & FAMILY PLANS Colorado Springs Health Partners INDIVIDUAL & FAMILY PLANS WHEN IT COMES TO HEALTH INSURANCE, WE KNOW WHAT MATTERS MOST: YOU. No one plans to be sick or injured, but if something happens, we want you to

More information

List of Insurance Terms and Definitions for Uniform Translation

List of Insurance Terms and Definitions for Uniform Translation Term actuarial value Affordable Care Act allowed charge Definition The percentage of total average costs for covered benefits that a plan will cover. For example, if a plan has an actuarial value of 70%,

More information

BCSC Health Center Information

BCSC Health Center Information BCSC Health Center Information Welcome Packet BCSC Health Center 1950 Doctors Park Drive Suite C Columbus, IN 47203 Phone: 812.375.8810 Fax: 812.375.8879 Website: www.bcsc.k12.in.us/bcschealthcenter Frequently

More information

How to pick a health insurance plan

How to pick a health insurance plan The three most important questions you need to ask Health care can be very expensive. Having a baby costs about $30,000, and so does the average three-day hospital stay. Health insurance is a way to reduce

More information

Let us help you choose the health insurance plan that fits you best

Let us help you choose the health insurance plan that fits you best Let us help you choose the health insurance plan that fits you best Call 855-381-1212, visit bcbstx.com or contact an independent Blue Cross and Blue Shield of Texas agent to get a quote today. Life is

More information

ANSWERS TO MOST-ASKED QUESTIONS

ANSWERS TO MOST-ASKED QUESTIONS ANSWERS TO MOST-ASKED QUESTIONS HOW TO GET STARTED WITH YOUR HEALTH PLAN When you first enroll in a health plan with MVP Health Care, you ll receive your MVP Member ID card in the mail. This card and your

More information

Massachusetts Health Connector logo. The Health Connector: Massachusetts New and Improved Health Insurance Marketplace

Massachusetts Health Connector logo. The Health Connector: Massachusetts New and Improved Health Insurance Marketplace Massachusetts Health Connector logo The Health Connector: Massachusetts New and Improved Health Insurance Marketplace Massachusetts: The model for national health care reform 1 Massachusetts led the nation

More information

Health Insurance Knowledge and Skills Questions

Health Insurance Knowledge and Skills Questions Health Insurance Knowledge and Skills Questions 7.1 An appeal is: 1. A request to your health plan to add a new doctor to their network. 2. A request to your health plan to take another look at their decision

More information

Understanding Private Health Insurance Plan Choices and Provider Networks

Understanding Private Health Insurance Plan Choices and Provider Networks Understanding Private Health Insurance Plan Choices and Provider Networks Definitions Deductible Out-of-Pocket-Maximum Embedded Deductible Aggregate Deductible Networks PPO EPO HMO POS - HDHP HSA Catastrophic

More information

Your Guide to Health Insurance Learn how to choose the best health plan

Your Guide to Health Insurance Learn how to choose the best health plan Your Guide to Health Insurance Learn how to choose the best health plan Subsidy Welcome Thank you for considering AmeriHealth New Jersey as your health insurer. We know the importance of having quality

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

PPO Choice. It s Your Choice!

PPO Choice. It s Your Choice! Offered by Capital Advantage Insurance Company A Capital BlueCross Company PPO Choice It s Your Choice! Issued by Capital Advantage Insurance Company, a Capital BlueCross subsidiary. Independent licensees

More information

Good health happens together

Good health happens together Good health happens together CITY OF BALTIMORE 2016 HEALTH CARE OPTIONS WHAT S INSIDE BENEFITS OVERVIEW WELLNESS RESOURCES ONLINE TOOLS Thank you for considering UnitedHealthcare. We are proud to again

More information

Small Group Plan Options HMO

Small Group Plan Options HMO HMO Platinum Plans These plans will cover about 90% of your service and you are responsible for the other 10% Benefits Platinum Platinum Platinum 25 / 50 / 500 HMO 20 / 40 / 1000 HMO 20 / 40 HMO Deductible

More information

Molina Marketplace. We have a plan to keep you healthy.

Molina Marketplace. We have a plan to keep you healthy. Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should

More information

$243.41 $34.69 16.62% 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze 26 $ 212.88

$243.41 $34.69 16.62% 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze 26 $ 212.88 Marketplace plans that were available in Coverage years and/or 2015. 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze 0-20 $ 132.01 $153.95 $21.94 16.62% 29497DE0090001 Aetna Bronze $15 Copay PPO Bronze

More information

RETIREE GUIDE TO FY 2016 OPEN ENROLLMENT PERIOD

RETIREE GUIDE TO FY 2016 OPEN ENROLLMENT PERIOD GUIDE TO FY 2016 OPEN ENROLLMENT PERIOD Highlights Inside: Open Enrollment for non-medicare eligible retirees and their dependents begins on May 6, 2015 and ends May 22, 2015. Open enrollment is generally

More information

Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide

Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide Do more of what you love. HealthPartners Wisconsin Freedom (Cost) 2016 Plan Comparison Guide H2462_ 82767 Accepted 9/14/2014 H2462_91699_01 Accepted 8/30/2015 WIPlanComp Table of contents Introducing HealthPartners...................................

More information

A Guide to Patient Services. Cedars-Sinai Health Associates

A Guide to Patient Services. Cedars-Sinai Health Associates A Guide to Patient Services Cedars-Sinai Health Associates Welcome Welcome to Cedars-Sinai Health Associates. We appreciate the trust you have placed in us by joining our dedicated network of independent-practice

More information

A Roadmap to Better Care and a Healthier You

A Roadmap to Better Care and a Healthier You FROM COVERAGE TO CARE A Roadmap to Better Care and a Healthier You Step 2 Understand your health coverage Your ROADMAP to health 2 Understand your health coverage Check with your insurance plan or state

More information

FEEL BETTER ABOUT YOUR CHOICES

FEEL BETTER ABOUT YOUR CHOICES 2016 FEEL BETTER ABOUT YOUR CHOICES CHOOSE WELLCARE. CHOOSE A PLAN TO FIT YOUR NEEDS. Information on individual and family plans inside. Kentucky Boone, Bullitt, Campbell, Clay, Fayette, Harlan, Jefferson,

More information

Let us help you choose the health insurance plan that fits your needs

Let us help you choose the health insurance plan that fits your needs Let us help you choose the health insurance plan that fits your needs Call 866-445-1396, visit bcbsnm.com or contact an independent Blue Cross and Blue Shield of New Mexico broker to get a quote today.

More information

2016 Provider Directory. Commercial Unity Prime Network

2016 Provider Directory. Commercial Unity Prime Network 2016 Provider Directory Commercial Unity Prime Network TM IMPORTANT CONTACT INFORMATION Read the instructions for using this network and then complete this page after you have selected Primary Care Physicians

More information

I Have Health Insurance! Now What?

I Have Health Insurance! Now What? I Have Health Insurance! Now What? A Guide to Using Your Private Health Insurance Plan Brought to you by: Congratulations on Your New Health Plan! This guide is an overview of private insurance plans and

More information

You can usually only shop for insurance during a specific timeframe that occurs once a year called open enrollment.

You can usually only shop for insurance during a specific timeframe that occurs once a year called open enrollment. Getting Started So many of us forget about health insurance until we need to use it. Even when we have insurance, sometimes we forget about the routine and preventive services that help us to get and stay

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

Why the Affordable Care Act Matters for Women: Health Insurance 101

Why the Affordable Care Act Matters for Women: Health Insurance 101 Why the Affordable Care Act Matters for Women: Health Insurance 101 APRIL 2014 Women are the health care decision makers in our country they make approximately 80 percent of the health care decisions in

More information

Molina Marketplace. We have a plan to keep you healthy.

Molina Marketplace. We have a plan to keep you healthy. Molina Marketplace We have a plan to keep you healthy. Access. Quality. Commitment. With the new Health Insurance Marketplace, you have a choice. Molina Healthcare is the answer. Here is why you should

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 Advocare Spirit Rx (HMO-POS) offered by Security Health Plan of Wisconsin, Inc. Annual Notice of Changes for 2014 You are currently enrolled as a member of Advocare Spirit Rx (HMO-POS). Next year there

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

Let us help you choose the health insurance plan that fits you best

Let us help you choose the health insurance plan that fits you best Let us help you choose the health insurance plan that fits you best Call 855-372-1212, visit bcbsok.com or contact an independent Blue Cross and Blue Shield of Oklahoma agent to get a quote today. Life

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

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

Virginia. A guide for individuals and families. The health insurance benefits you want, at a cost you can afford

Virginia. A guide for individuals and families. The health insurance benefits you want, at a cost you can afford Virginia A guide for individuals and families CoventryOne is an individual product (for individuals and families) offered by Coventry Health Care, an Aetna company. The health insurance benefits you want,

More information

www.shopcabrokers.com 1-866-98-COVER [26837]

www.shopcabrokers.com 1-866-98-COVER [26837] Sharp Health Plan is proud to be selected as a Covered California health insurance plan. Our successful track record in San Diego County for providing innovative and affordable health coverage aligns with

More information

Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS. MK777-A-R08/10/15þ

Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS. MK777-A-R08/10/15þ Rocky Mountain Range 2016 INDIVIDUAL & FAMILY PLANS MK777-A-R08/10/15þ Rocky Mountain Range Rocky Mountain Health Plans is Colorado-based and Colorado-focused. We were founded in Grand Junction more than

More information

Small Business Health Insurance Plans

Small Business Health Insurance Plans Small Business Health Insurance Plans New Plans - Big Savings! Call today or visit online: CONTENTS: About... 1 Health Insurance Plan Types... 2 Preferred Partner PPO Plans... 3 4 Traditional Plans...

More information

Individual and Family Health Insurance Plans

Individual and Family Health Insurance Plans Individual and Family Health Insurance Plans New Plans - Big Savings! Call today or visit online: 844-674-3834 LLHealth.org CONTENTS: About............... 1 Health Insurance Plan Types................

More information

A Guide to Your 2013 UnitedHealthcare Plan Benefits

A Guide to Your 2013 UnitedHealthcare Plan Benefits Health Plan Guide A Guide to Your 2013 UnitedHealthcare Plan Benefits Look inside to learn about: Your health plan options Your preventive care coverage Your prescription coverage http://welcometouhc.com/tascinc

More information

I Have Health Insurance! Now What?

I Have Health Insurance! Now What? I Have Health Insurance! Now What? A Guide to Using Your Private Health Insurance Plan Brought to you by: Congratulations on Your New Health Plan! This guide is an overview of private insurance plans and

More information

You and Access Partners in Health Care

You and Access Partners in Health Care Welcome from Ken Loving, MD Chief Executive Officer I extend a warm welcome to you from all of us at Access Community Health Centers. We are happy that you have chosen us as your health care partner and

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

2015 New Jersey Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools

2015 New Jersey Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools 2015 New Jersey Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools Offering a variety of plan designs, ranging from open access

More information

Let us help you choose the health insurance plan that fits you best

Let us help you choose the health insurance plan that fits you best Let us help you choose the health insurance plan that fits you best Call 855-381-1212, visit bcbstx.com or contact an independent Blue Cross and Blue Shield of Texas agent to get a quote today. Life Is

More information

Appeal A request that your health insurer or plan review a decision that denies a benefit or payment (either in whole or in part).

Appeal A request that your health insurer or plan review a decision that denies a benefit or payment (either in whole or in part). Glossary of Health Coverage and Medical Terms This glossary defines many commonly used terms, but isn t a full list. These glossary terms and definitions are intended to be educational and may be different

More information

Understanding Your Health Insurance Plan

Understanding Your Health Insurance Plan Understanding Your Health Insurance Plan Slide Catalog for Assisters Updated May 6, 2015 Health Insurance Costs Terms to Know: Premium Premium: The monthly bill you pay to your health insurance company.

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 True Blue Rx Option II (HMO) offered by Blue Cross of Idaho Health Service, Inc. (Blue Cross of Idaho) Annual Notice of Changes for 2014 You are currently enrolled as a member of True Blue Freedom (HMO).

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

Copayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service.

Copayment: The amount you must pay for each medical visit to a participating doctor or other healthcare provider, usually at this time service. Basic Terms How to calculate Out of Pocket Costs on a Hospital Stay: If you have a $2000 deductible and 30% coinsurance health insurance plan. If you have a $10,000 emergency room or hospital stay your

More information

THAT S RIGHT FOR YOU PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. FIND THE PLAN CORE CHOICE

THAT S RIGHT FOR YOU PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. FIND THE PLAN CORE CHOICE 2016 PLATINUM BLUESM WITH RX (COST) Medical and prescription drug benefits you want. Value you deserve. OPTIONS YOU WANT Platinum Blue can help pay the deductibles, copayments and coinsurance Original

More information

A partnership that offers an exclusive insurance product! The Chambers of Commerce in Hamilton County and ADVANTAGE Health Solutions, Inc.

A partnership that offers an exclusive insurance product! The Chambers of Commerce in Hamilton County and ADVANTAGE Health Solutions, Inc. The Chambers of Commerce in Hamilton County and ADVANTAGE Health Solutions, Inc. SM A partnership that offers an exclusive insurance product! CHAMBER OF COMMERCE The Chambers of Commerce in Hamilton County

More information

2015 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools

2015 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools 2015 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools Offering a variety of plan designs, ranging from open access to

More information

2014 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools

2014 New York Small Group (1-50) Health Plan Portfolio (Oxford Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools 2014 New York Small Group (1-50) Health Plan Portfolio ( Product Offerings) Robust Benefits, Broad Network, Innovative Online Tools Offering a variety of plan designs, ranging from open access to primary

More information

2016 COPAY AND DEDUCTIBLE PLANS

2016 COPAY AND DEDUCTIBLE PLANS 2016 COPAY AND DEDUCTIBLE PLANS Health Insurance for Individuals & Families Welcome to PreferredOne PreferredOne.com Your Health, Your Choice, Many Options At PreferredOne, our name says it all you and

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

New Patient Information Guide

New Patient Information Guide Admit-22 10/1/13 New Patient Information Guide H John Muir Health Hospitals Physician Offices B John Muir Medical Center Walnut Creek Concord John Muir Behavioral Health Center Concord Urgent Care Centers

More information

GUIDE. Your. To Public Health Insurance Marketplaces. Find Coverage for You and Your Family

GUIDE. Your. To Public Health Insurance Marketplaces. Find Coverage for You and Your Family GUIDE Your To Public Health Insurance Marketplaces Find Coverage for You and Your Family We are Towers Watson s OneExchange We help you shop for a health plan. We hire and train licensed benefit advisors

More information

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

Summary of benefits. 2009 idaho, utah. Health Net orange prescription drug plan

Summary of benefits. 2009 idaho, utah. Health Net orange prescription drug plan Health Net orange prescription drug plan Summary of benefits 2009 idaho, utah Benefits effective January 1, 2009 (S5678-064) PDP Option 1 (S5678-063) PDP Value Option 2 Section I INTRODUCTION TO SUMMARY

More information

HEALTH INSURANCE EMPLOYEE EDUCATION: PREVENTIVE CARE

HEALTH INSURANCE EMPLOYEE EDUCATION: PREVENTIVE CARE HEALTH INSURANCE EMPLOYEE EDUCATION: PREVENTIVE CARE Mott Community College Health Benefits Task Force DISCLAIMER The content in this presentation is informational. Each employee should review the benefit

More information

Take charge of your health

Take charge of your health Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Take charge of your health Choose Aetna, choose affordable coverage The information you need to choose quality

More information

This fact sheet was adapted from www.cancerinsurancechecklist.org

This fact sheet was adapted from www.cancerinsurancechecklist.org IBD Insurance Checklist How This Checklist Can Help You The IBD Insurance Checklist is designed to help you compare insurance plans and consider your health needs when shopping for insurance in the Health

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

Health Insurance. Where should you SHOP for your health insurance coverage? Decision-Making Guide presented by Bob Hopper Insurance Services

Health Insurance. Where should you SHOP for your health insurance coverage? Decision-Making Guide presented by Bob Hopper Insurance Services Health Insurance Where should you SHOP for your health insurance coverage? Decision-Making Guide presented by Bob Hopper Insurance Services We ll help you locate the health plan that offers the best value

More information

Health Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. HL-14-001 Rev. 08/2015

Health Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. HL-14-001 Rev. 08/2015 A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance wahealthplanfinder.org 1-855-WAFINDER 1-855-923-4633 HL-14-001 Rev. 08/2015 THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH

More information

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees

Retiree Health Care Plan Benefits 2012 Enrollment Guide. Medical Coverage: Pre-Medicare Retirees Retiree Health Care Plan Benefits 2012 Enrollment Guide Medical Coverage: Pre-Medicare Retirees You ll choose from four medical plans: Basic, Comprehensive, Health Reimbursement Arrangement (HRA) and Health

More information

Health Care Law & You

Health Care Law & You Health Care Law & You How to get the most out of your health care dollars 2014 Independence Blue Cross Independence Blue Cross is an independent licensee of the Blue Cross and Blue Shield Association.

More information

A Plan For Better Health

A Plan For Better Health A Plan For Better Health Welcome to Crystal Run Health Plans PPO Plans Your health and that of your family is most important. Your health plan should be designed for all your needs giving you access to

More information

Navigating health care and health

Navigating health care and health Individual Rates Navigating health care and health insurance is complicated, but CareConnect is here to change all that. Sure, we give our members easy access to affordable care but we re here to make

More information

Your guide to finding the best health insurance plan.

Your guide to finding the best health insurance plan. LIFE HAS OPPORTUNITIES Your guide to finding the best health insurance plan. Start saving today with the help of Excellus BlueCross BlueShield. National strength. Local focus. Individual care. SM Contents

More information

Las Vegas Chamber of Commerce Group Health Benefits Program LVCC

Las Vegas Chamber of Commerce Group Health Benefits Program LVCC Las Vegas Chamber of Commerce Group Health Benefits Program LVCC The LVCC Group Health Benefits Program Adds Value to Chamber Membership Providing quality and affordable health insurance has never been

More information

Medicare Advantage Plans

Medicare Advantage Plans 2016 BlueCross BlueShield of Western New York Medicare Advantage Plans Gloria and Anai, Members Y0086_MRK1528rev2 Accepted The benefits of Blue Understanding Medicare and choosing a health plan are not

More information

HEALTH INSURANCE CHOICES FOR AMERICAN INDIANS

HEALTH INSURANCE CHOICES FOR AMERICAN INDIANS HEALTH INSURANCE CHOICES FOR AMERICAN INDIANS HEALTH INSURANCE IS AN IMPORTANT RESOURCE THAT CAN KEEP YOU AND YOUR FAMILY HEALTHY. If you have ongoing health issues, health insurance can help pay for treatment

More information

Your Independence Blue Cross. 2016 Blue Solutions Renewal Guide. For small employers

Your Independence Blue Cross. 2016 Blue Solutions Renewal Guide. For small employers Your Independence Blue Cross 2016 Blue Solutions Renewal Guide For small employers Table of Contents Get ready to renew your health plan 3 Two ways to offer plans 4 Blue Solutions Web-based Blue Solutions

More information

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org

GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS. Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org GROUP MEDICARE PLANS GROUP MEDICARE PLANS AT A GLANCE FOR EMPLOYER GROUPS 2016 Toll-free 1-800-851-3379 ext. 8024 TTY: 711 HealthAlliance.org Coverage You Know and Trust If you ve worked with Health Alliance

More information

A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance

A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE. The. Health Insurance A GUIDE TO UNDERSTANDING, GETTING AND USING HEALTH INSURANCE The of Health Insurance THE ABC S OF HEALTH INSURANCE: WHY IS HEALTH INSURANCE IMPORTANT? Even if you are in GOOD HEALTH, you will need to

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

Multiple sclerosis and health insurance: How to choose a plan that is right for you

Multiple sclerosis and health insurance: How to choose a plan that is right for you Multiple sclerosis and health insurance: How to choose a plan that is right for you What are the different types of health insurance? Choosing a health insurance plan is important, especially if you have

More information

Understanding Your Health

Understanding Your Health Understanding Your Health 2015 Objectives of Understanding Your Health After today s presentation, you will: Have a basic understanding of what is driving healthcare costs and how wellness and preventive

More information

Berklee Student Health Insurance FAQs

Berklee Student Health Insurance FAQs Berklee Student Health Insurance FAQs For specific information on your coverage under Berklee s student health insurance plan (Blue Cross Blue Shield Student Blue Plan), go to gallagherkoster.com. Select

More information

Health Insurance Shopper s Guide 3 steps to choosing the right health plan for you and your family.

Health Insurance Shopper s Guide 3 steps to choosing the right health plan for you and your family. Health Insurance Shopper s Guide 3 steps to choosing the right health plan for you and your family. Ready to get started? We re here for you online, on the phone or in person. Visit for a quick and free

More information

WELCOME TO A NEW ERA IN HEALTH CARE COVERAGE FOR TENNESSEE.

WELCOME TO A NEW ERA IN HEALTH CARE COVERAGE FOR TENNESSEE. WELCOME TO A NEW ERA IN HEALTH CARE COVERAGE FOR TENNESSEE. Quality Health Plans for Individuals and Families in Tennessee. TABLE OF CONTENTS INTRODUCTION...1 Who are we?... 1 What is a CO-OP?...1 Our

More information

Health Plans That Work for You

Health Plans That Work for You Health Plans That Work for You Blue Cross offers a variety of high-quality, affordable health plan options to fit your employees needs and your bottom line. VantageBlue Ideal if you re looking for: Traditional

More information

Health Insurance for PLTS Students. KAREN MARRINER, MBA Licensed Insurance Agent KM Consulting

Health Insurance for PLTS Students. KAREN MARRINER, MBA Licensed Insurance Agent KM Consulting Health Insurance for PLTS Students KAREN MARRINER, MBA Licensed Insurance Agent KM Consulting True or False? Individuals can be charged more for their health insurance for having medical conditions. All

More information

Thank you for being a part of Evergreen Health. If I can ever be of assistance, please don t hesitate to email me at Peter@evergreenmd.org.

Thank you for being a part of Evergreen Health. If I can ever be of assistance, please don t hesitate to email me at Peter@evergreenmd.org. The Pulse MEMBER NEWSLETTER APRIL 2014 Volume 1, Issue 1 TABLE OF CONTENTS A Letter from the CMO 2 Your Health Risk Assessment 2 Evergreen Health Care centers 3 Pledge to Members 3 Picking Your Primary

More information

Shopping for a health care plan can be confusing. Let us help.

Shopping for a health care plan can be confusing. Let us help. We re here to help Shopping for a health care plan can be confusing. Let us help. Thank you for trusting Anthem Blue Cross and Blue Shield for your health coverage. We re here to protect you from the high

More information

UNDERSTANDING YOUR MEDICAL BILL. Thank you for choosing Your Personal Physicians at:

UNDERSTANDING YOUR MEDICAL BILL. Thank you for choosing Your Personal Physicians at: UNDERSTANDING YOUR MEDICAL BILL Thank you for choosing Your Personal Physicians at: Mercy Medical Center Lutherville Overlea Worthington/Reisterstown Glen Burnie Canton as your healthcare provider. We

More information

SIMPLICITY. 2015 Your Plan Explained

SIMPLICITY. 2015 Your Plan Explained Hello SIMPLICITY 2015 Your Plan Explained PFIZER UnitedHealthcare Group Medicare Advantage (PPO) Effective January 1, 2015, through December 31, 2015 Group Number: 12367, 12368 Benefit Highlights UnitedHealthcare

More information

Annual Notice of Changes for 2014

Annual Notice of Changes for 2014 True Blue Rx Option Il (HMO) offered by Blue Cross of Idaho Health Service, Inc. (Blue Cross of Idaho) Annual Notice of Changes for 2014 You are currently enrolled as a member of True Blue Rx Option Il

More information

Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare

Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Essentials Choice Rx 25 (HMO-POS) offered by PacificSource Medicare Annual Notice of Changes for 2016 You are currently enrolled as a member of Essentials Choice Rx 25 (HMO-POS). Next year, there will

More information

The Patient-Centered Medical Home & You: Frequently Asked Questions (FAQ) for Patients and

The Patient-Centered Medical Home & You: Frequently Asked Questions (FAQ) for Patients and The Patient-Centered Medical Home & You: Frequently Asked Questions (FAQ) for Patients and Families What is a Patient-Centered Medical Home? A Medical Home is all about you. Caring about you is the most

More information