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BCBS Health Insurance Update 2013-2014

BCBS Health Insurance Update 2013-2014. AKA: What’s different and what effect it might it have on you?. BCBS Update. Current Plan vs. New Plan. BCBS Update. The Down Side to the New Plan Deductible is $1000 higher (this would have affected 7 people)

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BCBS Health Insurance Update 2013-2014

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  1. BCBS Health Insurance Update2013-2014 AKA: What’s different and what effect it might it have on you?

  2. BCBS Update Current Plan vs. New Plan

  3. BCBS Update • The Down Side to the New Plan • Deductible is $1000 higher (this would have affected 7 people) • Out of pocket max is $1000 higher (due to the higher deductible) • Primary care co-pay is $35 instead of $25 • Generic drugs have a $10 co-pay ($4 under current plan) • Non-generic drugs are all co-pays of 50% (max of $100 per Rx per month)

  4. BCBS Update • The Up Side of the New Plan • Specialist, therapy, urgent care, and emergency department visits all have co-pays now (current plan paid nothing until deductible met) • Specialist/Therapy/Urgent Care $70 • Emergency Room $500 • Hospital outpatient and ambulatory surgery 30/70 after deductible (currently 50/50 after deductible) • No inpatient hospital co-pay (currently $250) • The new plan is about $10,000 more overall, but employee premium will remain at $100 per month for this year

  5. BCBS Update • The Up Side of the New Plan (Continued) • Mental health office visits $70 co-pay (currently only after deductible) • Substance abuse services $70 co-pay (currently only after deductible) • Infertility services $35 or $70 co-pay, $5000 lifetime max (currently only after deductible)

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