Page 7 - 2015 Four Seasons Enrollment Guide
P. 7
2015 Open Enrollment
Which Plan is Right for You?
All three plan options will cover preventive care at 100%. When choosing a plan, you need to think about your
medical needs for the next year. Are you in good health? Are you being treated for a long-term illness? Do you
expect to make several trips to the doctor? It is important to understand your medical care needs and how you
would pay for them under each plan so you pick the coverage which is best for you.
HSA OAP HMO *
z If your annual medical needs are z If your annual medical needs are z If your annual medical needs are
low moderate higher
z Lowest paycheck contributions z Lower paycheck contributions than z Highest paycheck contributions
z Higher deductible and out-of- the HMO z Lowest deductible and out-of-
pocket costs z Higher deductible and out-of- pocket costs
z In- and out-of-network coverage Pocket costs z In-network coverage only
z Tax-advantage saving accounts to z In- and out-of-network coverage
pay for current and future medical
expenses
* Not available to employees hired on or after January 1, 2014.
HSA
If you or your family are healthy and see the doctor mainly for preventive
care and one or two sick visits each year then you may want to consider the
HSA Plan. It is the lowest-cost option which comes with a Health Savings Women’s Preventive
Account (HSA). For 2015, Four Seasons will contribute $500 for single or Care Services
$1,000 for family coverage into your account. Learn more about the HSA on Health plans must cover a list of
page 13. women’s preventive care services
with no deductible or coinsurance
OAP as long as services are received
If you or your family see doctors or specialists a few times each year, are in-network. Four Seasons already
covers many of these, including
generally healthy but have regular, periodic need for care then you may want well women visits. There are a
to consider the OAP Plan. Your paycheck contributions are higher than the few items which are covered in
HSA Plan. full, including generic and brand
name (if a generic is not available
or if the brand name is medically
HMO necessary) FDA-approved
The HMO is a grandfathered plan and is only available to employees hired contraceptives and breastfeeding
prior to January 1, 2014. If you or your family see doctors or specialists support, supplies, and counseling.
several times during the year, ill prescriptions, have recurring lab tests, or
need ongoing care for a medical condition then you may want to consider
the HMO Plan. It is the highest cost of the three health plan choices.
7
Which Plan is Right for You?
All three plan options will cover preventive care at 100%. When choosing a plan, you need to think about your
medical needs for the next year. Are you in good health? Are you being treated for a long-term illness? Do you
expect to make several trips to the doctor? It is important to understand your medical care needs and how you
would pay for them under each plan so you pick the coverage which is best for you.
HSA OAP HMO *
z If your annual medical needs are z If your annual medical needs are z If your annual medical needs are
low moderate higher
z Lowest paycheck contributions z Lower paycheck contributions than z Highest paycheck contributions
z Higher deductible and out-of- the HMO z Lowest deductible and out-of-
pocket costs z Higher deductible and out-of- pocket costs
z In- and out-of-network coverage Pocket costs z In-network coverage only
z Tax-advantage saving accounts to z In- and out-of-network coverage
pay for current and future medical
expenses
* Not available to employees hired on or after January 1, 2014.
HSA
If you or your family are healthy and see the doctor mainly for preventive
care and one or two sick visits each year then you may want to consider the
HSA Plan. It is the lowest-cost option which comes with a Health Savings Women’s Preventive
Account (HSA). For 2015, Four Seasons will contribute $500 for single or Care Services
$1,000 for family coverage into your account. Learn more about the HSA on Health plans must cover a list of
page 13. women’s preventive care services
with no deductible or coinsurance
OAP as long as services are received
If you or your family see doctors or specialists a few times each year, are in-network. Four Seasons already
covers many of these, including
generally healthy but have regular, periodic need for care then you may want well women visits. There are a
to consider the OAP Plan. Your paycheck contributions are higher than the few items which are covered in
HSA Plan. full, including generic and brand
name (if a generic is not available
or if the brand name is medically
HMO necessary) FDA-approved
The HMO is a grandfathered plan and is only available to employees hired contraceptives and breastfeeding
prior to January 1, 2014. If you or your family see doctors or specialists support, supplies, and counseling.
several times during the year, ill prescriptions, have recurring lab tests, or
need ongoing care for a medical condition then you may want to consider
the HMO Plan. It is the highest cost of the three health plan choices.
7
