Page 14 - Your New Medical Plans with Centivo
P. 14

Your costs


                                                      Telemedicine through MDLIVE                                                         You can compare the payroll deductions for each plan below.


                                                      By enrolling in any of the health plan options,                                      MONTHLY RATES                       MBA Centivo Plus     MBA HSA High        MBA HSA Low
                                                      you’ll get access to telemedicine (virtual care)                                     Employee (EE) only                  $174.10            $94.50              $56.51
                                                      for primary care 24/7/365 through MDLIVE.                                            Employee + spouse                   $432.47            $246.34             $129.96
                                                                                                                                           Employee + child(ren)               $385.47            $219.57             $115.84
                                                      Telemedicine offers an easy, low-cost                                                Employee + family                   $582.89            $332.02             $175.17
                                                      alternative to urgent care for simple health
                                                      concerns, such as earaches, sore throats,                                           You’ll see that the MBA Centivo Plus Plan offers substantial savings over the
                                                      vomiting, fever, and more.
                                                                                                                                          PPO Plan offered last year - savings of $29.76 per month or $357.12 per year for
                                                                                                                                          employee only coverage and $49.08 per month or $588.96 per year for families.



                                                                                                                                          A year in comparison


                                                                                                                                          Take a look at a few scenarios to understand your total out-of-pocket
                                                                                                                                          costs, including payroll deductions, for each plan option.
               An easy-to-use app                                                                                                         In all 3 scenarios, you will pay
               and member portal                                                                                                          less out-of-pocket under the
                                                                                                                                          MBA Centivo Plus Plan.
                                                                                                                                                                               MBA Centivo Plus     MBA HSA High        MBA HSA Low
               You’ll have access to the                                                         sponsored by MB Aerospace.               SCENARIO A: LOW UTILIZATION
                                                                                                  MBA Centivo Plus Plan,
               Centivo app and member portal                                         Subscriber  Penelope Jacobs
                                                                                     Member ID  ACME1654321                               Annual EE contributions (for single coverage) $2,089    $1,134              $678
               to help you get the most out of                                                Employee + Family                           Annual physical                     $0                  $0                  $0
               your plan during the year.                                            PLAN INFO  ACME1                                     2 PCP visits                        $20                 $200                $200
                                                                                     Group ID
                                                                                     Payer ID  12345                                      1 urgent care visit                 $60                 $250                $250
                                                                                     Network  Centivo Network 100
                                                                                     Rx PCN   XYZ                                         1 preferred brand Rx (for full year at retail) $580     $2,400              $2,400
                                                                                     Rx BIN   11111
                                                                                     Rx GRP   ACME1                                       Total payroll deductions (fixed costs)  $2,089          $1,134              $678
               You can use the app or                                                MEMBER COSTS  $1,000                                 Total point of care costs (variable costs)  $660        $2,850              $2,850
                                                                                     Deductible
               member portal to:                                                     Primary Care Team $10                                Total annual out-of-pocket costs    $2,749              $3,984              $3,528
                                                                                             $50 $60
                                                                                     Specialist
                                                                                     Urgent Care  $50 $60                                 SCENARIO B: MEDIUM UTILIZATION
               •  Find where to get care                                             Remember to get referrals from your Primary Care Team   Annual EE contributions (for single coverage) $2,089   $1,134            $678
                                                                                     for specialist care.
                                                                                                                                          3 PCP visits                        $30                 $300                $300
               •  Access your plan details                                                                                                3 specialist visits                 $180                $1,050              $1,050
               •  View cost information and                                                                                               1 outpatient surgery                $1,600              $2,120              $3,055
                                                                                                                                                                                                  $1,134
                                                                                                                                                                              $2,089
                                                                                                                                                                                                                      $678
                                                                                                                                          Total payroll deductions (fixed costs)
                  Explanation of Benefits                                                                                                 Total point of care costs (variable costs)  $1,810      $3,470              $4,405
                  statements (EOBs) for any                                                                                               Total annual out-of-pocket costs    $3,899              $4,604              $5,083
                  healthcare you receive                                                                                                  SCENARIO C: HIGH UTILIZATION
                                                                                                                                          Annual EE contributions (for single coverage) $2,089    $1,134              $678
               •  View or print your electronic                                                                                           2 PCP visits                        $20                 $200                $200
                  ID card                                                                                                                 3 specialist visits                 $180                $1,050              $1,050
                                                                                                                                          1 ER visit                          $500                $2,100              $2,975
               •  Send a message to the                                                                                                   Hospital stay                       $3,800              $3,000              $2,675
                  Centivo Concierge Team                                                                                                  1 inpatient surgery                 $500                $550                $0
               •  And more                                                                                                                Total payroll deductions (fixed costs)  $2,089          $1,134              $678
                                                                                                                                          Total point of care costs (variable costs)  $5,000      $6,900              $6,900
                                                                                                                                          Total annual out-of-pocket costs    $7,089              $8,034              $7,578
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