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What is a Network? MEDICAL AND PRESCRIPTION
A network is a group of providers DRUG BENEFITS
your plan contracts with at
discounted rates. You will almost Patton Logistics offers a robust medical insurance program to our
always pay less when you receive employees. We partner with BlueCross BlueShield of Tennessee (BCBS
care in-network.
of TN) to offer our medical plan.
If you choose to see an out-of-
network provider, you may be Plan Highlights
balance billed, which means
you will be responsible for The medical plan covers 100% of all preventive care that meet the ACA
charges above BCBS of TN’s requirements without a copayment requirement. Our plan offers coverage
reimbursement amount.
for most healthcare services.
Important Insurance When you receive care in-network, you beneit from our negotiated
discounts with BCBS of TN.
Terms
Deductible: the amount of
money you are responsible High Deductible Health Plan
for paying upfront before your
plan shares your costs The High Deductible Health Plan (HDHP) plan requires that you must
Coinsurance: the percentage meet your deductible for all non-preventive medical and pharmacy
you and the plan pay; in services prior to any coverage from the plan. The HDHP encourages you
our plans, you pay a smaller to take a more active role in managing your individual healthcare spend.
percentage and the plan pays
a larger percentage You are responsible for paying 100% all non-preventive costs, including
Copay: a ixed amount for doctors visits, medical services and prescriptions until you meet your
certain services you pay annual deductible. When you meet your annual deductible, coinsurance
Out-of-pocket maximum: the picks up a portion on your costs until the out-of-pocket maximum is
limit on your expenses; once met. Once the maximum out-of-pocket is met, the HDHP will pay 100%
you reach this limit, the plan
covers all eligible expenses for of all future medical and prescription services for the remainder of the
the remainder of the plan year calendar year. In-network wellness exams and preventative medical and
listed preventive prescription drugs services are covered at 100% with no
deductible.
6
A network is a group of providers DRUG BENEFITS
your plan contracts with at
discounted rates. You will almost Patton Logistics offers a robust medical insurance program to our
always pay less when you receive employees. We partner with BlueCross BlueShield of Tennessee (BCBS
care in-network.
of TN) to offer our medical plan.
If you choose to see an out-of-
network provider, you may be Plan Highlights
balance billed, which means
you will be responsible for The medical plan covers 100% of all preventive care that meet the ACA
charges above BCBS of TN’s requirements without a copayment requirement. Our plan offers coverage
reimbursement amount.
for most healthcare services.
Important Insurance When you receive care in-network, you beneit from our negotiated
discounts with BCBS of TN.
Terms
Deductible: the amount of
money you are responsible High Deductible Health Plan
for paying upfront before your
plan shares your costs The High Deductible Health Plan (HDHP) plan requires that you must
Coinsurance: the percentage meet your deductible for all non-preventive medical and pharmacy
you and the plan pay; in services prior to any coverage from the plan. The HDHP encourages you
our plans, you pay a smaller to take a more active role in managing your individual healthcare spend.
percentage and the plan pays
a larger percentage You are responsible for paying 100% all non-preventive costs, including
Copay: a ixed amount for doctors visits, medical services and prescriptions until you meet your
certain services you pay annual deductible. When you meet your annual deductible, coinsurance
Out-of-pocket maximum: the picks up a portion on your costs until the out-of-pocket maximum is
limit on your expenses; once met. Once the maximum out-of-pocket is met, the HDHP will pay 100%
you reach this limit, the plan
covers all eligible expenses for of all future medical and prescription services for the remainder of the
the remainder of the plan year calendar year. In-network wellness exams and preventative medical and
listed preventive prescription drugs services are covered at 100% with no
deductible.
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