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2014-2015 Open Enrollment

July 1, 2014 Insurance Changes

Please be advised of the following MEDICAL changes:

    • Deductible (in-network) - Increased from $100 individual/$300 family to $350 individual/$1,050 family per plan year
    • Deductible (out-of-network) - Increased from $500 individual/$1,500 family to $800 individual/$2,400 family per plan year
    • Coinsurance (in-network) - Increased from 0% to 10% (capped at $700 individual/$2,100 family per plan year)
    • 30% Coinsurance (out-of-network) – Cap increased from $500 individual/$1,500 family to $800 individual/$2,400 family per plan year (excludes amounts over R&C)
    • Primary Care Copay - Increased from $15 to $20
    • Specialist Care Copay - Increased from $20 to $25
    • Urgent Care Copay - Increased from $20 to $40 (waived if sent to ER within 24 hours)
    • Emergency Room Copay - Increased from $100 (waived if admitted) to $125 (waived if admitted)
    • Out Of Pocket Maximum (in-network) (includes deductible, coinsurance and copays for medical) - Increased from $0 to $4,850 individual/$9,700 family (Affordable Care/Health Care Reform Mandate)
    • Prescription Benefit Maximums - From $1,500 individual/$0 family to $1,500 individual/$3,000 family per plan year (Affordable Care/Health Care Reform Mandate)
    • CRX International Brand Name Mail Order Drug Option http://www.dickinsoncrx.com/
    • Increase in employee contribution 

Please be advised of the following DENTAL changes:

  • Smile for Health Wellness - benefit enhancement 
  • No change in employee contribution 

Please be advised of the following VISION changes:

  • Contact Lens Allowance – increase from $150 to $160
  • Decrease in employee contribution