Health Plans - HDHP 2016

​High Deductible Health Plans - HDHP

HEALTH PLAN OPTIONS FOR 2016 

In response to significant increases in our pharmacy plan costs, claim costs for two plans exceeding premiums, and the potential impact of Health Care Reform’s “Cadillac Tax” (a 40% excise tax based on the actuarial value of the plans) in 2018, we are implementing several changes for 2016.
 
The major change is the replacement of the Consumer Driven Health Plan (CDH OON) with Out of Network coverage with a new High Deductible Health Plan with Out of Network coverage (HDHP OON).  Members enrolled in the current CDH OON plan will see a significant reduction in their monthly premium for the new HDHP OON plan. 
 
The new HDHP OON plan is added to our HDHP Base plan providing 2 venues for coverage with the High Deductible Health Plan options.
Summary of Benefits

Highlights of HDHP's 

  • All health and prescription services are subject to the annual deductible and coinsurance based on tier of coverage with the exception of mandated preventive services or designated preventive prescriptions (see Preventive Rx list​).
  • Medical and prescription expenses will be applied toward meeting the annual deductible and coinsurance amount based on tier of coverage (Member Only coverage or Member + Dependents coverage).
  • Once the annual deductible is met, the health and pharmacy plan pays 70% and you pay 30% coinsurance of the eligible discounted costs (in-network).
  • When you reach the out-of-pocket maximum, the Plan pays 100% of eligible in-network health and prescription expenses.
  • Preventive services (see Humana Complete Summary book​) and designated preventive prescriptions (see HDHP Pharmacy​) are covered at 100%.
  • Student Passport program for dependents attending college outside of the service area (HDHP Base Plan only as HDHP OON has a national network).
  • Annual eye exam at no cost at a participating optometrist
  • Discount dental plan included at participating dental providers

Premium Costs of HDHP's 

FULLTIME​ ​ High Deductible Health Plan
(Base Plan)​ ​ ​ ​
​ ​ ​ ​ ​High Deductible Health Plan
(Out-of-Network)
Bi-Weekly
Premium
Bi-Weekly​Subsidy Bi-Weekly​Payroll
Deduction
​Annual
HSA/HRA
​Bi-Weekly
Premium
​Bi-Weekly
Subsidy
Bi-Weekly​Payroll
Deduction
​Annual
HSA/HRA
​Employee ​$185.67 ​​$180.67 ​$5.00 ​$2,100.00 ​$211.42 ​$196.04 ​$15.38 $1,500.00​

​Emp+Spouse

​$396.76 ​$381.76 ​$15.00 ​$4,200.00 $452.16​ ​$416.96 ​$35.20 ​$3,000.00
​Emp+Child $339.60​ ​$329.60 ​$10.00 ​$4,200.00 $386.97​ ​$358.29 ​$28.68 ​$3,000.00
​Emp+Family $578.95​ ​$518.95 ​$60.00 ​$4,200.00 ​$659.92 ​$589.43 ​$70.49 ​$3,000.00
  

PARTTIME​

PT20 ​ ​

High Deductible Health Plan
(Base Plan)​ ​ ​ ​
​ ​ ​ ​ ​High Deductible Health Plan
(Out-of-Network)
​Bi-Weekly
Premium

Bi-Weekly
Subsidy

Bi-Weekly
Payroll 
Deduction

​Annual
HSA/HRA
Bi-Weekly​Premium Bi-Weekly​Subsidy Bi-Weekly​Payroll
Deduction
​Annual
HSA/HRA
​Employee ​$185.67 ​$121.05 ​$64.62 ​$2,100.00 ​$211.42 ​$136.42 ​$75.00 $1,500.00​
​Emp+Spouse
​$396.76 ​$322.14 ​$74.62 ​$4,200.00 $452.16​ ​$357.34 ​$94.82 ​$3,000.00
​Emp+Child $339.60​ ​$269.98 ​$693.62 ​$4,200.00 $386.97​ ​$298.67 ​$88.30 ​$3,000.00
​Emp+Family $578.95​ ​$459.33 ​$119.62 ​$4,200.00 ​$659.92 ​$529.81 ​$130.11 ​$3,000.00

Rate Sheet - printable PDF​​​​​​​​​​​​​


Member Services: 855-202-2517
On-site Humana Rep. Susan Kaus  954-357-7191
On-site Humana Rep. Marc Dormeus  954-357-7192

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