Page 6 - 2018-19 myNEXUS Benefit Guide
P. 6
2018–19 BENEFITS ENROLLMENT
Plan Highlights
Both medical plan options cover preventive medical care at 100% and listed
preventive prescriptions subject to a copayment as noted on page 7. You are
not required to meet your deductible to receive preventive medical care nor
preventive medications listed on Humana’s preventive drug list.
Base Plan (HDHP)
Offers lower per-paycheck premiums with higher deductibles and out-of-
pocket maximums
A viable option for healthy individuals/families who do not anticipate a
great need for care throughout the year, or those who foresee some large
expenses where the out-of-pocket maximum will easily be met
myNEXUS will provide a dollar-for-dollar matching contribution to your
HSA as described further on page 12, up to a plan year maximum of $600
Plan begins paying a portion of non-preventive medical and prescription
drug costs once the deductible is met until you reach your out-of-pocket
maximum (costs then covered at 100%)
Buy-Up Plan (HDHP)
Offers higher per-paycheck premiums with lower deductibles and out-of-
pocket maximums
A meaningful option for those who prefer to pay more in premiums
throughout the year and less when receiving services after reaching their
deductible
Like the Base plan, the Buy-Up plan begins paying a portion of non-
preventive medical and prescription drug costs once the deductible is
met until you reach your out-of-pocket maximum (costs then covered at
100%)
Find an In-Network Provider
When you choose to visit in-network providers you will receive the deepest
level of discount on your services. You will also have the most cost protection
from your plan. This is because our in-network providers have agreed to
charge negotiated rates. To find an in-network provider near you, visit
www.humana.com and search for providers in the Choice Care PPO or Choice
POS networks. If you decide to go to an out-of-network provider, there are
benefits available. However, you will pay more out of your pocket for care so it
is in your best interest to stay in-network.
6
Plan Highlights
Both medical plan options cover preventive medical care at 100% and listed
preventive prescriptions subject to a copayment as noted on page 7. You are
not required to meet your deductible to receive preventive medical care nor
preventive medications listed on Humana’s preventive drug list.
Base Plan (HDHP)
Offers lower per-paycheck premiums with higher deductibles and out-of-
pocket maximums
A viable option for healthy individuals/families who do not anticipate a
great need for care throughout the year, or those who foresee some large
expenses where the out-of-pocket maximum will easily be met
myNEXUS will provide a dollar-for-dollar matching contribution to your
HSA as described further on page 12, up to a plan year maximum of $600
Plan begins paying a portion of non-preventive medical and prescription
drug costs once the deductible is met until you reach your out-of-pocket
maximum (costs then covered at 100%)
Buy-Up Plan (HDHP)
Offers higher per-paycheck premiums with lower deductibles and out-of-
pocket maximums
A meaningful option for those who prefer to pay more in premiums
throughout the year and less when receiving services after reaching their
deductible
Like the Base plan, the Buy-Up plan begins paying a portion of non-
preventive medical and prescription drug costs once the deductible is
met until you reach your out-of-pocket maximum (costs then covered at
100%)
Find an In-Network Provider
When you choose to visit in-network providers you will receive the deepest
level of discount on your services. You will also have the most cost protection
from your plan. This is because our in-network providers have agreed to
charge negotiated rates. To find an in-network provider near you, visit
www.humana.com and search for providers in the Choice Care PPO or Choice
POS networks. If you decide to go to an out-of-network provider, there are
benefits available. However, you will pay more out of your pocket for care so it
is in your best interest to stay in-network.
6
