Page 4 - 2019 DLS Enrollment Guide
P. 4
2019 BENEFITS ENROLLMENT
What is a Network? MEDICAL AND
A network is a group of providers PRESCRIPTION DRUG
your plan contracts with at
discounted rates. You will almost Discovery Life Sciences offers a robust medical insurance program to our
always pay less when you receive employees. We partner with Blue Cross and Blue Shield of Alabama to offer
care in-network.
this coverage.
If you choose to see an out-of-
network provider, you may be Plan Highlights
balance billed, which means you
will be responsible for charges You have the option of choosing one of two plans. Our plans offer coverage for
above Blue Cross and Blue Shield most healthcare services. When you receive care in-network you benefit from
of Alabama’s reimbursement our negotiated discounts with Blue Cross and Blue Shield of Alabama.
amount.
Blue Cross and Blue Shield of Alabama
Member Site
Important Insurance Visit www.bcbsal.com to take advantage of all the helpful tools and resources
Terms available including the following.
Deductible: the amount of
money you are responsible for In-network provider and pharmacy searches
paying up-front before your A list of prescription drugs covered by our plans
plan shares your costs
Access to temporary ID cards and means to order another ID card
Coinsurance: the percentage
you and the plan pay; in Information regarding paid and pending claims
our plans, you pay a smaller
percentage and the plan pays Employee Monthly Medical Contributions
a larger percentage Red White
Copay: a fixed amount for Employee Only $92.92 $0.00
certain services you pay in Employee and Spouse $185.84 $0.00
some of our plans Employee and Child(ren) $171.89 $0.00
Family $264.81 $0.00
Out-of-pocket maximum: the
limit on your expenses; once
you reach this limit, the plan
covers all eligible expenses for
the remainder of the plan year
4
What is a Network? MEDICAL AND
A network is a group of providers PRESCRIPTION DRUG
your plan contracts with at
discounted rates. You will almost Discovery Life Sciences offers a robust medical insurance program to our
always pay less when you receive employees. We partner with Blue Cross and Blue Shield of Alabama to offer
care in-network.
this coverage.
If you choose to see an out-of-
network provider, you may be Plan Highlights
balance billed, which means you
will be responsible for charges You have the option of choosing one of two plans. Our plans offer coverage for
above Blue Cross and Blue Shield most healthcare services. When you receive care in-network you benefit from
of Alabama’s reimbursement our negotiated discounts with Blue Cross and Blue Shield of Alabama.
amount.
Blue Cross and Blue Shield of Alabama
Member Site
Important Insurance Visit www.bcbsal.com to take advantage of all the helpful tools and resources
Terms available including the following.
Deductible: the amount of
money you are responsible for In-network provider and pharmacy searches
paying up-front before your A list of prescription drugs covered by our plans
plan shares your costs
Access to temporary ID cards and means to order another ID card
Coinsurance: the percentage
you and the plan pay; in Information regarding paid and pending claims
our plans, you pay a smaller
percentage and the plan pays Employee Monthly Medical Contributions
a larger percentage Red White
Copay: a fixed amount for Employee Only $92.92 $0.00
certain services you pay in Employee and Spouse $185.84 $0.00
some of our plans Employee and Child(ren) $171.89 $0.00
Family $264.81 $0.00
Out-of-pocket maximum: the
limit on your expenses; once
you reach this limit, the plan
covers all eligible expenses for
the remainder of the plan year
4
