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Health Plan Options Informational Sessions November 2012

Health Plan Options Informational Sessions November 2012. Agenda. Overview of Health Plans Prescription Drug Coverage 2013 Health Premiums Health Care Flex Spending Account Health Savings Account (HSA) Out-of-Pocket Cost Comparisons. Health Plans. United HealthCare (UHC) Choice HMO

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Health Plan Options Informational Sessions November 2012

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  1. Health Plan Options Informational Sessions November 2012

  2. Agenda • Overview of Health Plans • Prescription Drug Coverage • 2013 Health Premiums • Health Care Flex Spending Account • Health Savings Account (HSA) • Out-of-Pocket Cost Comparisons

  3. Health Plans • United HealthCare (UHC) Choice HMO • United HealthCare Choice Plus POS • Anthem Blue Cross Excel PPO • Anthem Blue Cross Basic PPO • UHC High Deductible Health Plan (HDHP)

  4. All Health Plans • No pre-existing condition limitations • No lifetime maximum benefit • No requirement for referral from a primary care physician to see a specialist • Coverage under health plan automatically includes coverage under the prescription drug, dental, and basic vision plans

  5. United HealthCare Choice HMO

  6. United HealthCare Choice Plus POS

  7. Anthem Blue Cross Excel PPO

  8. Anthem Blue Cross Basic PPO

  9. United HealthCare HDHP

  10. United HealthCare HDHP • Separate In-Network and Out-of-Network deductibles • Family deductible applies if you cover one or more family members • Family deductible must be fully met even if only one family member utilizes the plan • Deductible and co-insurance apply to prescription drugs (no co-pays)

  11. Prescription Drug BenefitsExpress Scripts

  12. 2013 Employee Monthly Premiums

  13. 2013 Employee Monthly Premiums

  14. 2013 Employee Monthly Premiums

  15. Health Care Flex Spending Account (FSA) WAGE WORKS

  16. Health Savings Account (HSA) US BANK

  17. Health Care FSA and HSA Comparison

  18. Scenario #1: Single Employee (Income >$35,000) – Generally Healthy * Tax savings will vary based on your current FSA contribution and medical plan election.

  19. Scenario #2: Employee Plus Spouse (income >$35,000) – Having First Baby in June * Tax savings will vary based on your current FSA contribution and medical plan election.

  20. Scenario #3: Employee Plus Spouse (income >$35,000) - Elective Surgery for Family Member * Tax savings will vary based on your current FSA contribution and medical plan election.

  21. Scenario #4: Employee Plus Family with Two Children – One child has a sports injury, the other child has asthma * 4 specialist visits, 8 physical therapy sessions ** Tax savings will vary based on your current FSA contribution and medical plan election.

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