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Medical Benefits

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Stand Alone

Medical Benefits

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The backbone of our healthcare benefits is our medical coverage policy.

Did you Know?

  • Mobile applications are available to help manage your healthcare
  • Preventative care is typically fully or partially covered, so schedule an annual physical.
  • You can often save money with a Pharmacy Home Delivery Option

Click the dropdown arrows below to find the details of our plan benefits.

We have also provided tips and answers to common insurance benefits questions.

We have also provided tips and answers to common insurance benefits questions. We have also provided tips and answers to common insurance benefits questions. We have also provided tips and answers to common insurance benefits questions. We have also provided tips and answers to common insurance benefits questions. We have also provided tips and answers to common insurance benefits questions. We have also provided tips and answers to common insurance benefits questions. We have also provided tips and answers to common insurance benefits questions. We have also provided tips and answers to common insurance benefits questions.


  • bcbskc

    This plan covers some items and services even if you haven t yet met the deductible amount. But a copayment or coinsurance may apply. For example, this plan covers certain preventive services without cost sharing and before you meet your deductible. See a list of covered preventive services at https://www.healthcare.gov/coverage/preventive-care-benefits/.

    This plan uses a provider network. You will pay less if you use a provider in the plan s network. You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider s charge and what your plan pays (a balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

  • Buy-Up Plan

    A buy-up plan offers employers a way to gain better control over their annual premiums by offering employees a core or basic health benefits package. Under a buy-up plan, employees can then "buy up" to a higher level of benefits with different co-payments and deductibles.

    This plan uses a provider network. You will pay less if you use a provider in the plan s network.
    You will pay the most if you use an out-of-network provider, and you might receive a bill from a provider for the difference between the provider s charge and what your plan pays (a balance billing). Be aware, your network provider might use an out-of-network provider for some services (such as lab work). Check with your provider before you get services.

  • Health Savings Account

    A tax-favored account that allows eligible individuals covered by a qualified High-Deductible Health Plan (HDHP) to pay for current and future qualifying medical expenses tax-free. Health Savings Accounts (HSAs) were introduced beginning January 1, 2004, as part of the Medicare Prescription Drug Improvement and Modernization Act of 2003.

  • High-Deductible Health Plan

    A health insurance plan with the following characteristics:
    Minimum deductibles of $1,000 for individual coverage and $2,000 for family coverage in 2004; amounts are indexed for inflation for subsequent years.
    Annual out-of-pocket expenses (including deductibles and co-pays) do not exceed $5,000 for individual coverage and $10,000 for family coverage in 2004; amounts are indexed for inflation for subsequent years.
    A High-Deductible Health Plan (HDHP) can have first dollar coverage (no deductible) for preventive care (such as immunizations, annual physical exams and screening tests) and higher out-of-pocket (copays & coinsurance) for non-network services.
    High-Deductible PPO
    Typically the health plan component in a consumer-centric health plan. The PPO plan design offers consumers a broad provider network along with the freedom to self-refer to any participating provider. No referrals, no gatekeeper. Financial incentives reward participants for choosing participating providers; out-of-network coverage is included but reimbursement levels are lower. The high deductible means lower premiums for employer and employee.

Policy & Contact Info

Group Number: 
4321543254325432
Provided by:
Humana
Contact Information
Customer Service: 
WEBSITE LINKS

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