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