This is where you’ll find everything you need to know about your 2014 medical benefits:
Need help deciding?
Check out these Smart Tools
The health plan carriers have a number of powerful tools to help you choose and use your benefits. Check it out.
Covering your dependents
Make sure you know who you can cover. If you are adding dependents, you will need to verify eligibility. Learn more about covering dependents and information you need to verify eligibility.
One prescription drug carrier for everyone
If you enroll in any of our medical plans, Express Scripts will provide your prescription drug benefits. This means:
- You’ll get an ID card from Express Scripts that you’ll use only for prescriptions.
- There will now be only one formulary (the list of generic and brand name drugs covered by your pharmacy benefits). That’s important if you switch medical plans in the future.
- Express Scripts will make sure you’re getting the most effective and safe medications for your condition. They’ll contact you or your doctor if they see something that requires attention.
Express Scripts offers savings at thousands of participating retail pharmacies throughout the country and through mail order. To make sure your local pharmacy is part of the Express Scripts network and to see if your medication is on the formulary, visit the Express Scripts website. For answers to questions frequently asked about Express Scripts services, click here.
Important information about covering your domestic partner
You can cover your qualified same- or opposite-sex domestic partner and their children under your medical, dental, vision, and dependent life benefits. There are some specific rules about eligibility. Get the details.
Important Note: Federal tax laws apply differently to domestic partners than to legal spouses. Your contributions for coverage of your domestic partner (and his or her children) will be deducted on a post-tax basis. In addition, the value of that coverage must be reported to and taxed by the IRS as regular income. This is known as “imputed income.” State tax laws vary. You should check with a tax advisor before deciding.
Coverage for legal same-sex marriages
Regardless of your state of residence, coverage for your legal same-sex spouse will be tax free for federal income tax. However, premiums may be subject to state taxes. Check with your tax advisor for more information.
Each has a different deductible, out-of-pocket maximum, and cost per paycheck. Learn more.
Do a quick comparison of the 2014 medical plans side-by-side.
Plug in your own numbers to see how your costs might compare under the three medical plans.
Consider the worst' case scenario under all three plans. Read this to see how your out-of-pocket costs would compare.
Check out Aetna’s handy tool to help you estimate your expenses that are subject to the deductible.
Read this if you’re thinking about enrolling in PPO1 and the Health Care FSA.
Preventive Care… Are you as healthy as you feel? The fact is, if you haven’t had a biometric screening and annual physical, you can’t know for sure. By taking advantage of free preventive care, you can save time, money… and even your life.
Wouldn’t you want to know??
Are you as healthy as you think you are? The fact is, if you haven’t had a biometric screening (measures blood pressure, cholesterol, and blood glucose levels) and annual physical, you can’t know for sure. And what you don’t know can hurt you.
Did you know that:
- About 1/3 of Americans have high blood pressure*
- 1 in 6 adults has high total cholesterol*
- Every 17 seconds, someone is diagnosed with diabetes, a disease that kills more Americans each year than breast cancer and AIDS combined**
Without a biometric screening and an annual physical, you may not even know you have any of these health issues, until it becomes a major—perhaps life-threatening—condition that may be difficult and expensive to treat. Take advantage of your annual preventive care from an in-network provider. See a complete list of preventive services covered by our health plans.
*The Centers for Disease Control and National Center for Health Statistics
**The American Diabetes Association
Know your numbers: The importance of biometric screening
Getting a biometric screening is one of the most valuable things you can do to maintain your health. It’s a quick and simple blood test that provides critical information about your overall health.
By knowing your numbers (blood pressure, total cholesterol, LDL, HDL, triglycerides and glucose levels), and monitoring them year after year, you and your doctor can know and plan exactly what steps you need to take to improve your health or get you back on track to a healthy you.
Preventive care: What’s covered?
As long as you use in-network labs and doctors, and as long as the service is coded as routine preventive care, your preventive care and biometric screenings cost you nothing!
Here’s what is covered:
- Office visit for preventive care (not to diagnose an illness)
- Lipid panel
- Fasting blood glucose
- Influenza vaccine
Any services not listed above may be subject to the deductible. Ask questions when your doctor prescribes a test. Ask if it’s necessary. Ask what it costs. Call your insurance carrier before scheduling the test so that you are aware of any out-of-pocket costs.
Click below for a list of covered services.
Read this if you’re adding dependents to your benefits.
Remember all those newsletters we sent? The ones you thought you’d read later? Well, now it’s later. And they’re all in one place for you.