Online wwwChardSnydercom Phone 8009827715 Coverage does not rollover so every retiree must enroll Open Enrollment is October 29 th November 18th 2019 HEALTH ASSESSMENT CHANGES New DEDUCTIBLE ID: 759755
Download Presentation The PPT/PDF document "Enrollment New vendor, Chard Snyder, wil..." is the property of its rightful owner. Permission is granted to download and print the materials on this web site for personal, non-commercial use only, and to display it on your personal computer provided you do not modify the materials and that you retain all copyright notices contained in the materials. By downloading content from our website, you accept the terms of this agreement.
Slide1
Slide2Enrollment
New vendor, Chard Snyder, will handle enrollment and premium collection
Online: www.Chard-Snyder.com
Phone: 800-982-7715
Coverage does not rollover, so every retiree must enroll
Open Enrollment is October 29
th
-November 18th
Slide32019 HEALTH ASSESSMENT CHANGES
New DEDUCTIBLE
CREDIT
To qualify for the deductible credit, employees and their covered dependents should receive a preventative wellness exam with their primary care physician in 2018. Once complete, the credit will automatically apply to the 2019 deductible.
Slide4Slide5Plan Changes 2019
Telemedicine
All 6 medical plans will offer telemedicine
Plans 1-4 will have access to a Primary Care Physician
Plans 5 & 6 will have access to Primary Care Physician and Mental Health Specialists
Bariatric Surgery
No longer covered under any medical plan or The Zero Card
Mental Health Copays
Access to mental health professionals will be available for a copayment, if applicable by plan, rather than subject to deductible and coinsurance
Emergency Room Copays
Visits to the ER now come with an additional deductible of
$
250
unless admitted
Slide6RX Changes 2019
$0 Drug List
Preferred generics available on plans 1-4 at any in-network pharmacy
Replaces
RXnGo
benefit through Zero Card
90 Day Supply
Cost is 2.5 co-pays mail order or 3 co-pays in retail pharmacy
Weight Loss Prescriptions
Covered after pre-authorization
Fertility Prescriptions
Coverage now includes initial diagnosis and injections
Slide7Slide8Immunizations
Flu, HPV, shingles,
Tdap, Pneumoccocal, Heptatitus A and B
Preventative Coverage
Recommended routine gender and age-specific care and screenings
Cancer
Screenings
Mammogram, colonoscopy, PSA, pap smear
Health Counseling
Weight loss, depression, tobacco cessation
Preventative RX
Folic acid, single agent statins, aspirin
Slide9Benefits Value Advisor
Concierge-style customer service from Blue Cross and Blue Shield BVA offers the following services:Education about coverage optionsAppointment schedulingPrice comparison and shopping assistance This service empowers members to make more cost-effective, high quality choices
9
Only Available on Plans 5 and 6
Slide102019 Zero Card Changes
Slide11BCBS Plan 1Blue Choice PPO; Zero Card Eligible; Not Eligible for HSA
Benefit
In-Network Payment Level
Individual/ Family Deductible
$2,000/$6,000
Individual/ Family Out-of-Pocket Max
(Includes deductible, copays and RX)
$5,600/$13,500
Office Visit Co-pay
Primary Care- $35;
Specialist-
$50; Telemedicine- $15
Emergency Room Copay
$250
Coinsurance
80%
RX Deductible
$150 Individual/ $450 Family
Preferred Generics
$0
Non-Preferred Generic
$40
Preferred Brand
$75
Non-Preferred Brand
$125
Specialty
$200
Slide12BCBS Plan 1Blue Choice PPO; Zero Card Eligible; Not Eligible for HSA
Plan 1PPO, Blue Choice2019 Monthly Retiree CostRetiree Only$110.00Retiree + Spouse$810.00Retiree + Child$400.00Retiree + Children$660.00Retiree + Family$1,330.00
Plan 1
PPO, Blue Choice
2019
Monthly Cost WITHOUT
UCO Contribution
Retiree
Only
$578.02
Spouse Only
$578.02
Child Only
$578.02
Children Only
$860.45
Family Only
$1,142.89
Slide13BCBS Plan 2Blue Preferred PPO; Zero Card Eligible; Not Eligible for HSA
Benefit
In-Network Payment Level
Individual/ Family Deductible
$1,250/$3,750
Individual/ Family Out-of-Pocket Max
(Includes deductible, copays and RX)
$3,500/$10,500
Office Visit Co-pay
Primary Care- $25;
Specialist- $50; Telemedicine- $15
Emergency Room Copay
$250
Coinsurance
80%
RX Deductible
$150 Individual/ $450 Family
Preferred Generics
$0
Non-Preferred Generic
$40
Preferred Brand
$75
Non-Preferred Brand
$125
Specialty
$200
Slide14BCBS Plan 2Blue Preferred PPO; Zero Card Eligible; Not Eligible for HSA
Plan 2PPO, Blue Preferred2019 Monthly Retiree CostRetiree Only$40.00Retiree + Spouse$670.00Retiree + Child$300.00Retiree + Children$530.00Retiree + Family$1,150.00
Plan
2
PPO, Blue
Preferred
2019
Monthly Cost WITHOUT
UCO Contribution
Retiree
Only
$576.08
Spouse Only
$576.08
Child Only
$576.08
Children Only
$857.56
Family Only
$1,139.05
Slide15BCBS Plan 3Blue Preferred PPO; Zero Card Eligible; Not Eligible for HSA; No RX Deductible
Benefit
In-Network Payment Level
First Dollar Coverage
$500 per person
Individual/ Family Deductible
$500/$1000
Individual/ Family Out-of-Pocket Max
(Includes deductible, copays and RX)
$5,500/$11,000
Office Visit Co-pay
No co-pays. Office visits including telemedicine are subject to first dollar coverage, then deductible and coinsurance
Emergency Room Copay
$250
Coinsurance
50%
Preferred Generics
$0
Non-Preferred Generic
$25
Preferred Brand
$50
Non-Preferred Brand
$100
Specialty
$150
Slide16BCBS Plan 3Blue Preferred PPO; Zero Card Eligible; Not Eligible for HSA; No RX Deductible
Plan 3PPO, Blue Preferred 2019 Monthly Retiree CostRetiree Only$0.00Retiree + Spouse$490.00Retiree + Child$200.00Retiree + Children$360.00Retiree + Family$890.00
Plan
3
PPO, Blue
Preferred
2019
Monthly Cost WITHOUT
UCO Contribution
Retiree
Only
$554.08
Spouse Only
$554.08
Child Only
$554.08
Children Only
$824.40
Family Only
$1,094.99
Slide17BCBS Plan 4Blue Preferred PPO; Zero Card Eligible; Not Eligible for HSA; No RX Deductible
Benefit
In-Network Payment Level
Individual/ Family Deductible
$
5,000
/$
10,000
Individual/ Family Out-of-Pocket Max
(Includes deductible, copays and RX)
$7,900/15,800
Office Visit Co-pay
Primary
Care- $35;
Specialist- $60; Telemedicine- $15
Emergency Room Copay
$250
Coinsurance
80
%
Preferred Generics
$0
Non-Preferred Generic
$25
Preferred Brand
$50
Non-Preferred Brand
$100
Specialty
$150
Slide18BCBS Plan 4Blue Preferred PPO; Zero Card Eligible; Not Eligible for HSA; No RX Deductible
Plan 4PPO, Blue Preferred 2019 Monthly Retiree CostRetiree Only$0.00Retiree + Spouse$430.00Retiree + Child$160.00Retiree + Children$310.00Retiree + Family$660.00
Plan
4
PPO, Blue
Preferred
2019
Monthly Cost WITHOUT
UCO Contribution
Retiree
Only
$513.47
Spouse Only
$513.47
Child Only
$513.47
Children Only
$764.34
Family Only
$1,015.21
Slide19BCBS Plan 5Blue Choice PPO; HSA Eligible; Not Eligible for Zero Card
Benefit
In-Network Payment Level
Individual/ Family Deductible
$4,000/$12,000
Individual/ Family Out-of-Pocket Max
(Includes deductible, copays and RX)
$6,500
/$
13,000
Coinsurance
80%
Office Visit Co-pay
No co-pays. Office visits including telemedicine are subject to deductible and coinsurance
Telemedicine
Primary
care
physicians and mental health specialists are available through telemedicine for substantially less than traditional office visits
All RX
No co-pays, RX subject to deductible and coinsurance
Slide20BCBS Plan 5Blue Choice PPO; HSA Eligible; Not Eligible for Zero Card
Plan 5PPO, Blue ChoiceUCO HSA Contribution2019 Monthly Retiree CostRetiree Only$75.00$0.00Retiree + Spouse$75.00$410.00Retiree + Child$75.00$130.00Retiree + Children$90.00$280.00Retiree + Family$90.00$630.00
Plan
5
PPO, Blue
Choice
No
HSA Contribution
2019
Monthly Cost WITHOUT
UCO Contribution
Retiree
Only
$456.54
Spouse Only
$456.54
Child Only
$456.54
Children Only
$678.31
Family Only
$900.08
Slide21BCBS Plan 6Blue Preferred PPO; HSA Eligible; Not Eligible for Zero Card
Benefit
In-Network Payment Level
Individual/ Family Deductible
$3,000/$9,000
Individual/ Family Out-of-Pocket Max
(Includes deductible, copays and RX)
$5,000
/$
10,000
Coinsurance
80%
Office Visit Co-pay
No co-pays. Office visits including telemedicine are subject to deductible and coinsurance
Telemedicine
Primary
care
physicians and mental health specialists are available through telemedicine for substantially less than traditional office visits
All RX
No co-pays, RX subject to deductible and coinsurance
Slide22BCBS Plan 6Blue Preferred PPO; HSA Eligible; Not Eligible for Zero Card
Plan 6PPO, Blue PreferredUCO HSA Contribution2019 Monthly Retiree CostRetiree Only$100.00$0.00Retiree + Spouse$100.00$400.00Retiree + Child$100.00$120.00Retiree + Children$115.00$270.00Retiree + Family$115.00$620.00
Plan
6
PPO, Blue
Preferred
No
HSA Contribution
2019
Monthly Cost WITHOUT
UCO Contribution
Retiree
Only
$459.29
Spouse Only
$459.29
Child Only
$459.29
Children Only
$682.40
Family Only
$905.52
Slide23Dental Plan Changes 2019
New vendor, Blue Cross and Blue Shield of Oklahoma
Dental plans in 2018 paid 146% of premiums collected, meaning rates were set to increase by almost 60%
To curb the increase, UCO is self-funding claims through BCBS and the plans have new coverage amounts
Two Plans with Orthodontia
New lifetime max on orthodontia services
No Joint Networks
Providers are either in-network or out of network
Slide24BCBS Plan 1
BenefitIn-Network Payment LevelNo Deductible for Preventative CareIndividual/Family Deductible$100/$300Preventative ServicesRoutine cleanings and x-rays100%Basic Services Cavities and fillings 80%Major Services Crowns, dentures and implants 50%Orthodontic Services 50%Orthodontic Lifetime Max$2,000Annual Maximum Per PersonPreventative services do not reduce annual maximum $1,500
Plan 1
2019 Monthly Cost
Retiree
Only
$54.00
Retiree
+ Spouse
$104.00
Retiree
+ Child
$80.00
Retiree
+ Children
$106.00
Retiree
+ Family
$154.00
Slide25BCBS Plan 2
BenefitIn-Network Payment LevelNo Deductible for Preventative CareIndividual/Family Deductible$75/$225Preventative ServicesRoutine cleanings and x-rays100%Basic Services Cavities and fillings 75%Major Services Crowns, dentures and implants 50%Orthodontic Services 50%Orthodontic Lifetime Max$1,000Annual Maximum Per PersonPreventative services do not reduce annual maximum $1,000
Plan
2
2019 Monthly Cost
Retiree
Only
$42.00
Retiree
+ Spouse
$80.00
Retiree
+ Child
$62.00
Retiree
+ Children
$82.00
Retiree
+ Family
$118.00
Slide26BCBS Plan 3
BenefitIn-Network Payment LevelNo Deductible for Preventative CareIndividual/Family Deductible$50/$150Preventative ServicesRoutine cleanings and x-rays100%Basic Services Cavities and fillings 80%Major Services Crowns, dentures and implants N/AOrthodontic Services N/AAnnual Maximum Per PersonPreventative services do not reduce annual maximum $750
Plan
3
2019 Monthly Cost
Retiree
Only
$19.00
Retiree
+ Spouse
$38.00
Retiree
+ Child
$31.00
Retiree
+ Children
$40.00
Retiree
+ Family
$61.00
Slide27Vision Plan Changes 2019
Same vendor (VSP), new plans
Two plans
Plan 2 offers the ability for contacts and prescriptions lenses in the same year
No ID Cards
Use SSN to verify eligibility
2019 is the last year to elect vision and keep it. If vision is not elected this year, you will not be able to enroll in vision benefits in the future
This rule will apply every year from now on
Slide28VSP Vision Plan 1
BenefitIn-Network Payment LevelWell Vision Exam$10Frame AllowanceAllowance on contacts OR frames$150 or $170 for featured brands Lenses $25 copay for single vision, lined bifocal/trifocalContactsAllowance on contacts OR frames$150 per year
Plan 12019 Monthly CostRetiree Only$7.54Retiree + Spouse$15.06Retiree + Child$14.74Retiree + Children$16.10Retiree + Family$25.72
VSP does not issue ID cards,
use your SSN to verify eligibility
Slide29VSP Vision Plan 2
BenefitIn-Network Payment LevelWell Vision Exam$10Frame Allowance$150 or $170 for featured brands Lenses $25 copay for single vision, lined bifocal/trifocalContacts$150 per yearAllowance LimitAllows for purchase of frames and contacts in the same year, or double frame/contact benefit
Plan 22019 Monthly CostRetiree Only$12.30Retiree + Spouse$24.64Retiree + Child$24.10Retiree + Children$26.34Retiree + Family$42.04
VSP does not issue ID cards,
use your SSN to verify eligibility
Slide30