Page 6 - 2021 Vocon Benefits Guide

Health Care

Coverage

Your health care coverage includes medical, dental and
vision plans. Detailed information about each plan is in this
section. If you have questions, please contact Human
Resources.

YOUR MEDICAL PLAN
You have two medical plan options:

• Anthem PPO Plan
• Anthem HSA Plan OUT-OF-POCKET MAXIMUMS
Out-of-pocket maximums apply to all of the plans. This is
IN/OUT-OF-NETWORK COVERAGE the maximum amount you will pay for health care costs in a
Each medical plan features in- and out-of-network calendar year. Once you have reached the out-of-pocket
coverage; individual and family deductibles; copays; maximum, the plan will fully cover eligible medical
coinsurance; and out-of-pocket maximums. Some offer a expenses for the rest of the benefits plan year. If you see an
lower monthly cost, a higher deductible, and lower out-of-network provider, you may be responsible for
coinsurance amounts, while others cost more each month out-of-pocket costs that are considered above the
but offer a lower deductible and higher levels of “reasonable and customary” fees.
coinsurance. If you don’t understand some of these terms,
please refer to the Glossary. HEALTH SAVINGS ACCOUNT
If you are enrolled for family coverage in the plans using a
You may use in- or out-of-network providers. You will Health Savings Account (HSA), the single deductible applies
always pay less if you see a doctor or receive services within to the family deductible. Once the single deductible has
the provider network because the plan pays more for “in- been satisfied, benefits for that member are payable
network services.” subject to coinsurance. Once the family deductible has
been satisfied, benefits for the family are payable subject to
DEDUCTIBLE coinsurance.
You must meet an annual deductible before the medical
plan begins to cover a portion of your costs; however, you You decide which medical plan will work best for you and
may use the funds that you contribute into your Health your family based on the monthly cost of coverage, the
Savings Account (HSA) to pay for eligible medical expenses. annual deductible, and the out-of-pocket maximums, taking
Once the deductible is met, the medical plan begins to pay into consideration how often you typically visit the doctor,
for a percentage of covered expenses (this is called any upcoming surgeries, etc.
coinsurance).

Note that when you are enrolled in the High Deductible
Health Plan (HDHP) with the HSA, prescriptions are also
subject to the deductible and out-of-pocket maximum.

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