Executive Summary: United Healthcare PBGH ANALYSIS. Highlights: UHC Strengths and Weaknesses
|
|
|
- Diana Chandler
- 10 years ago
- Views:
Transcription
1 Methods Description: Health Plan Shopping Services Evaluation PBGH ANALYSIS Executive Summary: United Healthcare This report evaluates United Healthcare (UHC) online medical care and provider shopping services that are intended to help consumers: use benefits wisely, save money, and find higher-value doctor and hospitals. United Healthcare offerings are compared to third-party benchmarks and to comparable services from Aetna, Anthem, Cigna, Kaiser Permanente, and HealthNet. Highlights: UHC Strengths and Weaknesses Overall Rating Compared to other health plans, United Healthcare shopping services rated HIGH. Strengths Û Allowed fee estimates are customized to user coverage and providers. User can track deductible, HSA, HRA, or FSA balances. Û User can view allowed fees for an entire episode of care and for each component. Û Consumer shopping is enabled by displaying treatment and setting alternatives and identifying highercost providers. Weaknesses Users can obtain allowed fee information for only100 medical services, which exclude inpatient procedures, surgeries, and medications. Free text search only enabled for visit types and tests; conditions, symptoms, or drug names are not included in free text search auto-complete suggestions. Table 1. Summary of UHC member shopping services SERVICE COMPONENT Shop and/or budget for medical service Compare allowed physician fees Compare allowed inpatient fees Compare allowed procedure fees across settings Compare allowed fees for treatment or setting alternatives Shop for medications VALUE PROVIDED MEDIUM-HIGH: Allowed fees are customized to coverage. Users can view costs that accumulate to deductible and are covered through HSA or FSA funds. Care is bundled into episodes with allowed fees for each component. Allowed fees are available for a limited number of procedures. HIGH: Users can compare Individual provider coverage-specific allowed fees, with UHC s regional average cost as a benchmark. Physician cost outliers are highlighted. HIGH: Users can compare individual hospital coverage-specific allowed fees, with UHC s regional average cost as a benchmark. HIGH: Users can compare allowed procedure fees across settings. HIGH: Users receive suggestions for alternative treatments and settings and alerts that no or minimal care may be appropriate. Not available. 1
2 Purposes and Methods The purpose of the shopping services evaluation is to help purchasers with their employee decision support planning by: a) helping the workforce use health plan shopping tools to search for and purchase provider and medical services, and b) advocating with contracted health plans to improve these services. We assessed health plan decision support tools to help members: Shop and/or budget for medical care Compare physician fees for common medical services Compare hospital/facility fees for common medical services Compare fees for alternative treatments and settings, and Shop for medications To compare plans, we developed nine Use Cases spanning a variety of health care needs. They assessed how the tools handled different queries, bundled episodes of care, provided patient education, and linked with other data, such as users benefits, demographic information, and personalized risk assessments. Benchmark performance for each Use Case was set by a third-party cost calculator. Benchmarks for cost calculator tools Use Case number 1: Alternative and equally effective treatments and services Identify treatment and service options and supporting evidence. Learn about evidence-based care guidelines, such as recommended frequency of mammography. Compare coverage-specific allowed fees for alternative treatment and service settings (e.g., doctor s office, hospital, imaging facility). Compare options and allowed fees side-by-side. Identify medical services that comprise an episode of care. Learn about self-care options. Use Case number 2: Diagnostic testing Compare coverage-specific allowed fees for local providers diagnostic services (e.g., independent lab vs. hospital-affiliated lab). View related coverage-specific allowed fees, such as radiology report. Identify in-network options with lowest allowed fees (e.g., instructions, sorting and search functions). 2 Pacific Business Group on Health
3 Use Case number 3: Elective or planned surgery requiring inpatient admission Compare coverage-specific allowed fees for the surgical episode of care, including costs that span settings and providers. Identify the cost for each element in an episode of care (e.g., pre-admission testing and services, hospital admission, professional services, and follow-up care). View quality information for the hospital provider Readily identify the option with highest quality and lowest allowed fees (e.g., instructions, sorting and search functions). Use Case number 4: Services performed in alternative settings Compare coverage-specific allowed fees across settings. Identify coverage-specific allowed fees by element for the entire episode of care, including doctor visits, surgical center, hospital, and follow-up care. Learn about options including in- and out-of-network providers and service settings (e.g., hospital vs. ambulatory surgical center). View quality information for providers and settings. Readily identify the option with highest quality and lowest allowed fees (e.g., instructions, sorting and search functions). Use Case number 5: Cost comparisons across settings Compare coverage-specific allowed fees for providers and services across settings (e.g., emergency department, urgent care, office visit). Use Case number 6: Chronic care management Identify coverage-specific allowed fees for annualized cost of care for a chronic condition. Identify savings opportunities such as mail-order pharmacy. Use Case number 7: Personalized care recommendations and treatment alternatives Receive age- and gender-customized preventive care and screening recommendations that are linked to self-management tools (e.g., personal health record, health risk appraisal). Compare screening options by coverage-specific allowed fees. Learn about screening, recommended frequency, and possible complications. Link to in-network providers to make appointments. View provider quality information. 3
4 UHC Shopping Services UHC s MyHealthCost Estimator (MyHCE) provides comprehensive shopping services, customized to user coverage and integrated with personal health accounts, including health savings accounts (HSA), health reimbursement accounts (HRA) and flexible spending accounts (FSA). Coverage-specific allowed fees are available for more than 100 lab, radiology/imaging, physician and outpatient services; however, allowed fee information is not available for conditions, inpatient procedures, or outpatient surgeries. The landing page features information specific to the user s coverage and current status and displays the deductible and outof-pocket maximum. Users can view real-time updated reports on HRA and FSA balances and progress towards deductible and out-of-pocket maximum amounts. Users can readily export this information to Quicken Health Expense Tracker (external to the UHC site). 4 Pacific Business Group on Health
5 After selecting Estimate Health Care Costs, users enter a zip code. MyHCE launched on March 31, 2012, replacing UHC s earlier cost estimator tool, and is only available in certain areas. Users can enter free text, which prompts drop-down menus for visit types and tests. Entering conditions, symptoms, or medications does not prompt drop down menus. For example, entering headache, cancer, and zocor (also omeprazole ) yielded no results. Users can also browse more than 100 visit types, diagnostic tests, and procedures. A Quick Info button displays a brief description of each. Inpatient procedures (such as surgery and labor and delivery) and conditions (such as cancer) are not included. The 200 most common procedures are not all included. 5
6 Shop/Budget for Medical Services Selecting a procedure displays options for lower-cost alternatives; average in-network costs and coverage-specific outof-pocket estimates also display. Users choose a care path," or bundle. Care path selection displays a total cost estimate, coveragespecific out-of-pocket allowed fee estimates, and regional averages for in-network total costs. Allowed fees for components of the care episode also display. The final step is an estimate of coverage-specific allowed fees and easy access to customized funding options. 6 Pacific Business Group on Health
7 Users can select Why Cost May Vary to view options for minimizing out-of-pocket allowed fees. An interactive slider bar indicates out-of-pocket allowed fees that would accumulate to a deductible. Providers and facilities are colorcoded according to allowed fees, relative to regional averages. 7
8 Compare Physician Costs For included procedures, users view coverage-specific out-ofpocket allowed fee estimates for physician services. The range of average allowed fees displays; physicians are ranked by UHC premium designation (based on an internal methodology), then in ascending order of allowed fees. Unless users complete a different search, out-of-network providers do not display. Users then view a side-byside comparison of allowed procedure fees by providers. Number of Services/Yr is based on processed UHC claims; messaging explains that this is not a proxy for quality. 8 Pacific Business Group on Health
9 Tool displays progress towards deductible and out-of-pocket maximum in accumulator bar format, with cost comparison to regional averages. Quality information is limited to professional certification and education. Additional information includes the physician s patient volume (expressed as claims per year), languages spoken, and availability to new patients. 9
10 Compare Hospital Costs Users can compare allowed fees for each component of an episode of care; in the limited set of procedures, hospital allowed fees display when hospital care is part of the episode. Across settings, users can compare the local average, the facility allowed fee, and the coverage-specific out-of-pocket allowed fee estimate. Facilities with fees exceeding the local average display in red, regardless of the coverage-specific allowed fee. Facilities that do not disclose contracted fees display with a message that insufficient claims data exist to provide an estimate. Users cannot determine if fees are missing due to provider gag clauses. 10 Pacific Business Group on Health
11 By selecting the more information about this facility tab, users can view quality and efficiency information from the UHC Premium Designation methodology. The Premium Designation is applied to facilities providing cardiac, total joint and spine, neonatology, congenital heart disease, surgical spine and/ or infertility programs. Users can also compare specialty centers on national quality of care benchmarks; facility quality scores are represented by stars. In addition, facilities are identified as higher, average, or lower efficiency on the basis of cost. Leapfrog scores are also displayed; however, users cannot compare scores across different hospitals. 11
12 Compare Costs of Alternative Treatments and Settings Users can view alternative treatments and settings for the majority of included procedures. Alternatives include types of providers (e.g., primary care provider vs. chiropractor) and interventions (e.g., physical therapy vs. medication). For each option, users can view coveragespecific allowed fees and typical treatment duration, as well as messaging about the likely effectiveness of interventions and when to seek additional care. Across settings, users can compare the local average, the facility allowed fee, and the coverage-specific out-of-pocket estimate. Facilities with fees exceeding the local average display in red, regardless of the coverage-specific allowed fee. Selecting Risks, Benefits, and More Information displays costsensitive messaging. 12 Pacific Business Group on Health
13 Shop for Medications Users cannot view medication cost information. 13
PBGH ANALYSIS. Highlights: Cigna Strengths and Weaknesses
Methods Description: Health Plan Shopping Services Evaluation PBGH ANALYSIS Executive Summary: Cigna This report evaluates Cigna s online medical care and provider shopping services that are intended to
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
Your Retiree Health Care Travel Guide
SPECIAL EDITION for Individuals Not Yet Eligible for Medicare Your Retiree Health Care Travel Guide 2010 Enrollment for BorgWarner Pre-Medicare Health Care Coverage Welcome to 2010 Pre-Medicare enrollment!
MCPHS University Health Insurance Program Information
MCPHS University Health Insurance Program Information Beginning September 1, 2014 Health Services MCPHS University students on the Boston campus have access to the Massachusetts College of Art and Design
How To Pay For Health Care With Bluecrossma
PPO Student/Affiliate Plan MIT Student/Affiliate Extended Insurance Plan Coverage Period: 2014-2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual, Couple,
What is the overall deductible? Are there other deductibles for specific services?
Small Group Agility MS200 Coverage Period: Beginning on or after 01/01/2015 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
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
Blue Care Elect Saver with Coinsurance Northeastern University HDHP Coverage Period: on or after 01/01/2016
Blue Care Elect Saver with Coinsurance Northeastern University HDHP Coverage Period: on or after 01/01/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual
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
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com or by calling 1-877-453-5645. Important Questions
Important Questions Answers Why this Matters:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at http://www.whyviva.com/memberaccess.aspx or by calling 1-800-294-7780.
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
Important Questions Answers Why this Matters:
Anthem BlueCross BlueShield WI 2-99 Lumenos Health Savings Account POS Copay Option 4 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 12/01/2014-11/30/2015 Coverage
HMO Blue Basic Coinsurance Coverage Period: on or after 01/01/2015
HMO Blue Basic Coinsurance Coverage Period: on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: HMO This is only
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
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
St Olaf College Coverage Period: Beginning on or after 09-01-2014
St Olaf College Summary of Benefits and Coverage: What this Plan covers & What it Costs Coverage Period: Beginning on or after 09-01-2014 Coverage for: Single and family coverage Plan Type: PPO This is
Your Plan: Premier HMO 20/200A/100 OP Your Network: California Care HMO
Your Plan: Premier HMO 20/200A/100 OP 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 reflect
Health Alliance Plan. Coverage Period: 01/01/2015-12/31/2015. document at www.hap.org or by calling 1-800-759-3436.
Health Alliance Plan Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015-12/31/2015 Coverage for: Individual Family Plan Type: HSA HMO This is only a summary.
HMO Blue New England Enhanced Value Coverage Period: on or after 01/01/2015
HMO Blue New England Enhanced Value Coverage Period: on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual and Family Plan Type: HMO This
Important Questions Answers Why this Matters: What is the overall deductible? Are there other deductibles for specific services?
Anthem Blue Cross Stanislaus County: Custom EPO Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Family Plan Type:
State Health Plan: High Deductible Health Plan 50/50 Coverage Period: 01/01/2016 12/31/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at http://www.shpnc.org and click on High Deductible Health
Important Questions Answers Why this Matters: What is the overall deductible?
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com/ca/sisc or by calling 1-800-825-5541. Important
$0. See the chart starting on page 2 for your costs for services this plan covers.
County of San Mateo HMO Per Admit 15-100 Coverage Period: 01/01/2015 12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan Type: HMO
In-Network: $5,000 self-only / $10,000 family, not to exceed $6,450 from any one person. Does not apply to preventive care or vision hardware.
Personal Alliance 5000 Bronze ON Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2016-12/31/2016 Coverage for: Self Only / Family Plan Type: HMO HSA This
Bowling Green State University : Plan B Summary of Benefits and Coverage: What This Plan Covers & What it Costs
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at MedMutual.com/SBC or by calling 800.540.2583. Important Questions
KAISER PERMANENTE PLAN (Non-Medicare Eligible)
CEMENT MASONS HEALTH AND WELFARE TRUST FUND FOR NORTHERN CALIFORNIA RETIRED CEMENT MASONS AND THEIR ELIGIBLE DEPENDENTS EFFECTIVE JANUARY 1, 2015 GENERAL When You Can Change Plans Type of Plan, Service
Avera Health Employee Health Plan Coverage Period: Beginning on or after 01/01/2015 Summary of Benefits and Coverage:
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www. or by calling 1 (888) 322-2115. Important Questions
CO-OPtions Consumers' Choice Silver 12, a Multistate Plan. Cost Sharing Reduction Plan 100-150% Federal Poverty Level (94% Actuarial Value)
CO-OPtions Consumers' Choice Silver 12, a Multistate Plan Coverage Period: 01/01/2015-12/31/2015 If you qualified for a Cost Sharing Reduction Plan on Healthcare.gov, please click on the appropriate link
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
Anthem Blue Cross Life and Health Insurance Company University of California San Francisco Custom Premier PPO 200/20 (200/20/80/60)
Anthem Blue Cross Life and Health Insurance Company University of California San Francisco Custom Premier PPO 200/20 (200/20/80/60) Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Western Health Advantage: Gateway 5500B HSA Coverage Period: 12/1/2015-11/30/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.westernhealth.com or by calling 1-888-563-2250. Important
Important Questions Answers Why this Matters: What is the overall deductible?
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.nhp.org or by calling Customer Service at 1-866-414-5533
Alternate PPO/Alternate Rx
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at capbluecross.com or by calling 1-866-802-4761. Important
1199SEIU National Benefit Fund for NYC Employees Summary of Benefits and Coverage: What This Plan Covers and What It Costs
1199SEIU National Benefit Fund for NYC Employees Summary of Benefits and Coverage: What This Plan Covers and What It Costs Coverage Period: Beginning 04/01/2014 Coverage for: NBF NYC Employees Plan Type:
UT HMO 3000 80/60 UT HMO 2000 70/50 UT HMO 2000 80/60 HSA. In Network In Network In Network $3,000/$6,000 $2,000/$4,000 $2,000/$4,000
Aetna 51-100 HealthNetworkOnly Member benefits Plan name UT HMO 3000 80/60 UT HMO 2000 70/50 UT HMO 2000 80/60 HSA In Network In Network In Network Calendar year deductible (Individual/Family) Calendar
956 CMR: COMMONWEALTH HEALTH INSURANCE CONNECTOR AUTHORITY
956 CMR: COMMONWEALTH HEALTH INSURANCE CONNECTOR AUTHORITY 956 CMR 5.00 MINIMUM CREDITABLE COVERAGE Section 5.01: General Provisions 5.02: Definitions 5.03: Minimum Creditable Coverage 5.04: Administrative
Your UC. Medical Insurance. An overview for active employees
Your UC Medical Insurance An overview for active employees Agenda Your Options Pre-paid medical Other Insurance Plans Conclusion Your Options Your options UC offers four types of medical plan o HMO plans
Kaiser Permanente Guide to Medicare Basics
Kaiser Permanente Guide to Medicare Basics The National Medicare program, which was created in 1965, has given people peace of mind and the security of knowing they ll have access to health coverage. Medicare
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
Personal Alliance 4500 Bronze ON
Personal Alliance 4500 Bronze ON Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2016-12/31/2016 Coverage for: Individual / Family Plan Type: HMO This is
Blue Cross of NEPA: Custom PPO Option 10014 Coverage Period: 03/01/2015-02/29/2016
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.bcnepa.com or by calling 1-888-345-2346. Important Questions
December 2014. Federal Employees Health Benefits (FEHB) Program Report on Health Information Technology (HIT) and Transparency
December 2014 Federal Employees Health Benefits (FEHB) Program Report on Health Information Technology (HIT) and Transparency I. Background Federal Employees Health Benefits (FEHB) Program Report on Health
What is the overall deductible? Are there other deductibles for specific services?
This is only a summary. If you want more detail about your medical/vision coverage and costs, you can get the complete terms in the policy or plan document at www.mycigna.com, by calling 1-800-Cigna24,
$0 See the chart starting on page 2 for your costs for services this plan covers.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.anthem.com/ca/lausd or by calling 1-800-700-3739. Important
Maricopa County. Self-Insured Benefits Overview
Maricopa County Self-Insured Benefits Overview Benefit Vendors CIGNA HealthCare of AZ Walgreens Health Initiatives (WHI) EyeMed Vision Care Magellan Health Services CIGNA Dental Delta Dental Employers
Anthem Blue Cross Life and Health Insurance Company University of Southern California Custom Premier PPO 400/20%/20%
Anthem Blue Cross Life and Health Insurance Company University of Southern California Custom Premier 400/20%/20% Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period:
Important Questions Answers Why this Matters:
Anthem BlueCross BlueShield Blue Access PPO Option D58 / Rx Option 8 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 12/01/2013-11/30/2014 Coverage For: Individual/Family
$0. See the chart starting on page 2 for your costs for services this plan covers.
City of Los Angeles Access+ HMO SaveNet (Narrow) Zero Admit 15 Coverage Period: 01/01/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual +
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Contract Types Plan Type: HMO
CLSSSM BCN Classic HMO Gold $1500 Coverage Period: 1/1/2015-12/31/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: All Contract Types Plan Type: HMO This is only
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
Cooperating School Districts of Greater Kansas City Self- Insurance Pool, Inc.: Blue Springs/Smithville Qualified High
Cooperating School Districts of Greater Kansas City Self- Insurance Pool, Inc.: Blue Springs/Smithville Qualified High Coverage Period: 07/01/2015-06/30/2016 Deductible Plan/HSA Summary of Benefits and
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
$500 member / $1,000 family Self- Referred. Does not apply to emergency room, emergency transportation, or acupuncture services.
Blue Choice New England Plan 2 MIT Choice Coverage Period: on or after 01/01/2015 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual, Ind.+Spouse, Ind.+Child(ren)
Northeastern University 2015 Medical Benefits
Northeastern University 2015 Medical Benefits Northeastern s 2015 Open Enrollment Effective Date: January 1, 2015 2015 Medical Plan Options Blue Choice New England Core POS Plan New Plan Blue Choice New
2016 HealthFlex Plan Comparison: PPO B1000 with HRA and HDHP H1500 with HSA
Caring For Those Who Serve 1901 Chestnut Avenue Glenview, Illinois 60025-1604 1-800-851-2201 www.gbophb.org 2016 HealthFlex Plan Comparison: PPO B1000 with HRA and HDHP H1500 with HSA Please note: This
BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU
zz BENEFITS OPEN ENROLLMENT 2016 YOUR HEALTH & WELLNESS STARTS WITH YOU MESSAGE FROM THE PRESIDENT/CEO NABIL EL SANADI, MD, MBA, FACEP, FACHE LET S INVEST, HEALTH IS YOUR FIRST WEALTH! We are excited to
Cigna Health and Life Insurance Co.: Choice Fund Open. Access Plus HSA 6350 Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Cigna Health and Life Insurance Co.: Choice Fund Open Coverage Period: 07/01/2014-06/30/2015 Access Plus HSA 6350 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Individual
Personal Blue PPO QHDHP $5,000/$10,000
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at capbluecross.com or by calling 1-800-962-2242. Important
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
Are there other deductibles for specific services?
Blue Shield of CA Life & Health Active Choice Plan 750 Coverage Period: 04/01/2015-03/31/2016 Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual + Family Plan
HPN Solutions HMO 15 V2 $7/35/55
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.myhpnonline.com or by calling (702) 242-7300 or 1-800-777-1840.
Cigna Health and Life Insurance Co.: Choice Fund Open. Access Plus IN HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Cigna Health and Life Insurance Co.: Choice Fund Open Coverage Period: 07/01/2016-06/30/2017 Access Plus IN HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Individual
Aetna Savings Plus plan guide
Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Savings Plus plan guide New health plans designed with Tennessee businesses in mind For businesses with
Nationwide Life Insurance Co.: University of Phoenix NJ Coverage Period: 9/24/13-8/23/14
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.chpstudent.com or by calling 1-800-633-7867. Important
Cigna Open Access Plans for Tennessee
Individual & Family Plans Insured by Connecticut General Life Insurance Company Cigna Open Access Plans for Tennessee medical & PHARMACY INSURANCE with the ONE-AND-ONLY YOU IN MIND. 858436 a 12/12 Services
Kaiser Permanente: KP CA Silver 1250/40
Kaiser Permanente: KP CA Silver 1250/40 Coverage Period: Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Plan Type: HMO This is only a summary. If you want more detail
High Deductible Health Plan (HDHP) and Health Savings Account (HSA) Frequently Asked Questions CY2015
High Deductible Health Plan (HDHP) and Health Savings Account (HSA) Frequently Asked Questions CY2015 High Deductible Health Plan 1. What is a deductible? A. A deductible is a fixed amount of money that
Anthem Blue Cross Blue Shield St. Charles School District Blue Access & Blue Access Choice PPO Base Plan Coverage Period: 01/01/2015-12/31/2015
Anthem Blue Cross Blue Shield St. Charles School District Blue Access & Blue Access Choice PPO Base Plan Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage Period: 01/01/2015-12/31/2015
Cigna Health and Life Insurance Co.: Choice Fund Open. Access Plus HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs
Cigna Health and Life Insurance Co.: Choice Fund Open Coverage Period: 01/01/2016-12/31/2016 Access Plus HSA Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage for: Individual/Individual
Medical Benefits. Stryker s Medical Options. How the UnitedHealthcare PPOs Work
Stryker s medical benefits are designed to provide comprehensive coverage and freedom of choice while also controlling costs for you and for Stryker. You may use any licensed healthcare provider and receive
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
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
You can see the specialist you choose without permission from this plan.
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or plan document at www.mhhealthplan.org or by calling 1-888-594-0671. Important
Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs
Connecticut General Life Insurance Co.: Open Access 1000 Plan Coverage Period: Beginning on or after 9/23/2012 Coverage for: Individual/Individual + Family What this Plan Covers & What it Costs! This is