Small Employer Plans

Transcription

1 Small Employer Plans

2 Neighborhood Health Plan of Rhode Island Health Insurance that s Right for You and Your Employees Choose from Neighborhood s small employer plans: Small employers are the backbone of Rhode Island, anchoring our communities and economy. We understand you want to offer high-quality health insurance at the best value for your employees. Every business is unique and deserves the personal attention we provide. Neighborhood has the best prices for the coverage I get in return. The enrollment process went smoothly and the Neighborhood customer service team is extremely helpful. Bernadette S., Neighborhood Small Business Health Options Program Member

3 Neighborhood provides high-quality, affordable coverage through HealthSource RI All Neighborhood plans offer comprehensive benefits and services, including: Primary Care, including Annual Check-Ups and Sick Visits Preventive Care, including Screenings, Vaccinations and Health Needs Assessments Inpatient and Outpatient Hospital Services Pharmacy Benefits Full Range of Specialist Services Pediatric and Adolescent Care Care Management Programs for Chronic Conditions Maternity and Newborn Care, including Well Baby Visits Laboratory and Imaging Services Wellness Programs Skilled Nursing Facility Care Home Health Care Patient Education and Counseling Services Emergency and Urgent Care Services Behavioral Health Services Substance Abuse Treatment Residential and Day Treatment Programs Rehabilitative/Habilitative Services Prosthetic and Orthotic Devices Medical Equipment and Supplies Physical and Occupational Therapy, including Chiropractic Care Vision and Hearing Services Social Needs Care Coordination Hospice Care Neighborhood is offering the lowest-priced plans for small employers for the third consecutive year.

4 Benefits and Cost-Sharing PLAN NAME Plan Type Bronze Silver Silver HSA-Qualified* Yes Yes No DEDUCTIBLES, CO-INSURANCE AND OUT-OF-POCKET MAXIMUMS (PER BENEFIT YEAR) Individual Plan Deductible $4,900 $2,000 $2,250 Family Plan Deductible $9,800 $4,000 $4,500 Co-insurance 20% 15% 30% Individual Out-of-Pocket Maximum $6,550 $6,550 $6,550 Family Out-of-Pocket Maximum $13,100 $13,100 $13,100 MEDICAL SERVICES COST-SHARING Preventive Care Visit No Charge No Charge No Charge Primary Care Visit $30 co-payment Specialty Care Visit Urgent Care Emergency Room $250 co-payment Inpatient Hospital 3 Outpatient Hospital 3 Imaging Services 3 Laboratory Services 3 Behavioral Health Care - Outpatient $30 co-payment Behavioral Health Care - Inpatient 3 Rehabilitation Services PRESCRIPTION DRUG COVERAGE Tier 1 (Generic Drugs) $10 co-payment $10 co-payment $15 co-payment Tier 2 (Preferred Brand Drugs) $35 co-payment $35 co-payment $40 co-payment Tier 3 (Non-preferred Brand Drugs) $90 co-payment Tier 4 (Specialty Drugs) $100 co-payment $100 co-payment $200 co-payment * Health Savings Account Qualified Plan: Pursuant to Internal Revenue Code 223, this plan qualifies as a High Deductible Health Plan, which is suitable for use with a Health Savings Account (HSA). This plan may be used in conjunction with an HSA but it is not an HSA itself.

5 Gold Platinum No No $1,500 $500 $3,000 $1,000 0% 0% $5,000 $1,500 $10,000 $3,000 No Charge No Charge $20 co-payment $10 co-payment $40 co-payment $30 co-payment $40 co-payment $30 co-payment $200 co-payment $100 co-payment Ask Your Broker, or Call Us Today for a Quote! Our friendly and helpful sales representative makes choosing a health plan that s right for you and your employees easy. Emily Colton Sales & Marketing Consultant Commercial Products , Option 6 ecolton@nhpri.org $20 co-payment $10 co-payment $40 co-payment $30 co-payment $10 co-payment $10 co-payment $35 co-payment $35 co-payment $100 co-payment $100 co-payment

6 Neighborhood & HealthSource RI Neighborhood offers high-quality, affordable health insurance through HealthSource RI to the employees of small businesses (2-50 employees) and non-profit organizations. HealthSource RI makes it easier to understand your options and apply for coverage, and ensures your coverage meets high standards for quality and affordability. Small employers and non-profit (taxexempt) employers may qualify for tax credits to offset the cost of covering employees, making high quality health insurance affordable for employers and employees alike. Employers can choose to select a plan for all their employees, or provide a defined contribution and allow their employees to choose the best option for themselves and their family. Pay for Medical Expenses, Get Tax Savings With a Health Savings Account If you choose a Health Savings Account (HSA) qualified plan, you may be able to take advantage of a tax-free savings account to pay for your eligible medical expenses. An HSA allows you to set aside tax-free money for qualified medical expenses, such as prescription drugs, deductibles and other medical costs. The money you contribute will never be taxed and once the money is in the account, it can be used at any time for qualified medical expenses. To learn more, call us today at

7 Neighborhood is the best choice for your company and your employees because: Neighborhood was recognized as the region s fastest growing large company with $75 million or more in revenue by Providence Business News in Neighborhood has a large network of providers available 24 hours a day/7 days a week, including more than 1,300 primary care providers, 3,700 specialists, 2,000 behavioral health providers and access to every hospital in the state. Neighborhood has the best customer service team, including care managers, social care coordinators to help with non-medical issues, and call-center staff ready to help you. Neighborhood offers a full range of benefits, including primary and specialty care, comprehensive hospital services, behavioral health care, medicines from nearly every pharmacy in Rhode Island, medical equipment and supplies, and special wellness programs to help you manage your health. Neighborhood is a local, not-for-profit organization that has more than 20 years of experience helping Rhode Islanders receive high-quality care.

8 299 Promenade Street : Providence, RI : 15-NHPRI-0332 REV. OCT2015