Page 7 - Future Steps
P. 7
Medical 2017 Beneits Enrollment
Medical Plan Changes
Our goal is to provide you with the best possible health coverage—one which is
affordable for you and sustainable for us, while continuing to offer great care. We are
dedicated to continuously evaluating our beneit plans, providing market competitive
beneits, and delivering healthcare options which meet the needs of you and your
family.
This is an ever-changing healthcare environment, and we are determined to do our
best to manage and minimize cost increases.
As a result, we are switching from Medica to HealthPartners.
We have three plan options from which to choose. You no longer have to worry
about selecting a network to join. With the move to HealthPartners, all employees
have access to the same open access network. See the table on page 10 for a
summary of the plan options. Changes are in bold.
HealthPartners Open Access Network
X You can see any provider you wish who accepts HealthPartners, but you will
receive the highest level of coverage when using an in-network provider
X No referrals required
X This network is one of the largest in the nation; you will ind that most providers
are in this network
In-Network vs. Out-of-Network
A network is a group of doctors, specialists, hospitals, labs, and pharmacies your
plan contracts with at negotiated or discounted rates. These make up the providers
in your “network.” This means you will almost always pay less when you receive care
in-network.
If you choose to see an out-of-network provider, you may be required to submit
your own claims. You may also be balanced billed, which means you will be
responsible for charges above HealthPartners’ reimbursement amount.
7
Medical Plan Changes
Our goal is to provide you with the best possible health coverage—one which is
affordable for you and sustainable for us, while continuing to offer great care. We are
dedicated to continuously evaluating our beneit plans, providing market competitive
beneits, and delivering healthcare options which meet the needs of you and your
family.
This is an ever-changing healthcare environment, and we are determined to do our
best to manage and minimize cost increases.
As a result, we are switching from Medica to HealthPartners.
We have three plan options from which to choose. You no longer have to worry
about selecting a network to join. With the move to HealthPartners, all employees
have access to the same open access network. See the table on page 10 for a
summary of the plan options. Changes are in bold.
HealthPartners Open Access Network
X You can see any provider you wish who accepts HealthPartners, but you will
receive the highest level of coverage when using an in-network provider
X No referrals required
X This network is one of the largest in the nation; you will ind that most providers
are in this network
In-Network vs. Out-of-Network
A network is a group of doctors, specialists, hospitals, labs, and pharmacies your
plan contracts with at negotiated or discounted rates. These make up the providers
in your “network.” This means you will almost always pay less when you receive care
in-network.
If you choose to see an out-of-network provider, you may be required to submit
your own claims. You may also be balanced billed, which means you will be
responsible for charges above HealthPartners’ reimbursement amount.
7
