Page 8 - 2017 US Benefits Guide - for all Capgemni employees in the FS SBU
P. 8
Your Medical Plan Options
Capgemini ofers two Medical Plan options: Premier PPO and Basic PPO. Both Medical Plan When choosing a plan,
options are administered by Blue Cross Blue Shield of Illinois (BCBS of IL) and both provide consider your individual needs.
comprehensive medical coverage. The diference between these two plans is how your costs ➤ Do you typically incur high medical
are structured. Therefore, the right plan for you is the one that best meets your needs and costs during the year?
preferences for how you pay for your medical care.
➤ Do you anticipate signiicant medical
Choosing Your Plan expenses next year?
➤ Do you cover any dependents with
As the following table shows, in the Premier PPO Plan you pay a higher semi-monthly rate but less signiicant medical needs?
out of pocket at the time you receive medical care. This plan might be an attractive option to
those who want more predictable health care costs or greater protection against unanticipated ➤ Do you have a low tolerance for
medical expenses. In the Basic PPO Plan, you pay a lower semi-monthly rate, but you pay more inancial risk?
when you receive care. This plan might be an attractive option to those who do not anticipate ➤ Do you need greater predictability
heavy medical expenses during the year. in your budget?
Feature Premier PPO Basic PPO If you answered “yes” more often than
Medical Services Covered Same Same “no” to these questions, Premier PPO
might be more attractive to you. If you
Semi-Monthly Rates Higher Lower answered “no” more often, Basic PPO
(Amount you pay to participate in the plan) might be more attractive.
Annual Deductibles Lower Higher Take the time to do the math and think
(Amount you pay before the plan begins paying through your needs before making a
certain beneits) decision. You also may want to consider
whether you have access to other medical
Co-insurance Higher Lower insurance, such as through your spouse’s/
(A percentage of your costs that the Company pays) domestic partner’s employer.
Out-of-Pocket Maximum Lower Higher
(The most you must pay for covered services in a
plan year)
For Medical Plan Semi-Monthly Rates, go to page 12.
For a Medical Plan Comparison Chart, go to page 13.
CAPGEMINI 2017 BENEFITS GUIDE 5
Capgemini ofers two Medical Plan options: Premier PPO and Basic PPO. Both Medical Plan When choosing a plan,
options are administered by Blue Cross Blue Shield of Illinois (BCBS of IL) and both provide consider your individual needs.
comprehensive medical coverage. The diference between these two plans is how your costs ➤ Do you typically incur high medical
are structured. Therefore, the right plan for you is the one that best meets your needs and costs during the year?
preferences for how you pay for your medical care.
➤ Do you anticipate signiicant medical
Choosing Your Plan expenses next year?
➤ Do you cover any dependents with
As the following table shows, in the Premier PPO Plan you pay a higher semi-monthly rate but less signiicant medical needs?
out of pocket at the time you receive medical care. This plan might be an attractive option to
those who want more predictable health care costs or greater protection against unanticipated ➤ Do you have a low tolerance for
medical expenses. In the Basic PPO Plan, you pay a lower semi-monthly rate, but you pay more inancial risk?
when you receive care. This plan might be an attractive option to those who do not anticipate ➤ Do you need greater predictability
heavy medical expenses during the year. in your budget?
Feature Premier PPO Basic PPO If you answered “yes” more often than
Medical Services Covered Same Same “no” to these questions, Premier PPO
might be more attractive to you. If you
Semi-Monthly Rates Higher Lower answered “no” more often, Basic PPO
(Amount you pay to participate in the plan) might be more attractive.
Annual Deductibles Lower Higher Take the time to do the math and think
(Amount you pay before the plan begins paying through your needs before making a
certain beneits) decision. You also may want to consider
whether you have access to other medical
Co-insurance Higher Lower insurance, such as through your spouse’s/
(A percentage of your costs that the Company pays) domestic partner’s employer.
Out-of-Pocket Maximum Lower Higher
(The most you must pay for covered services in a
plan year)
For Medical Plan Semi-Monthly Rates, go to page 12.
For a Medical Plan Comparison Chart, go to page 13.
CAPGEMINI 2017 BENEFITS GUIDE 5
