Page 8 - 2016 ACProducts Non-Union
P. 8
2016 Beneits Guide
Action Required 2015 Monthly Contributions
Tobacco User Fee—in 2016, the PPO HDHP
medical program will continue to have Employee $164.77 $115.08
a Tobacco User Fee. This fee is an Employee + 1 $329.54 $232.11
additional $35 per month for salaried Family $560.22 $387.38
employees, on top of your monthly
medical contributions. Executives Class I pay 120% of the rates illustrated above; Executives Class II or higher
pay 140% of these rates.
Spouse Access Fee—in 2015, the Insurance Terms
medical plan will continue to have a Deductible
Spouse Access Fee of $100 per month A deductible is the amount of money you must pay before the plan
for salaried employees. The Spouse begins paying coinsurance. There are several commonly received
Access Fee only applies if you cover services for which the deductible does not apply. For example, if you
your spouse and he or she has access have a physician’s visit or ill prescriptions at an in-network provider,
to medical coverage through his or her you pay the speciied copayment amount. Your deductible payments
employer. accumulate toward your out-of-pocket maximum.
Coinsurance
Coinsurance is the percentage of the bill that is your responsibility
once all of the deductible amount has been satisied. The remaining
percentage of the bill is covered by your plan. Coinsurance is applied
to the same services as the deductible. Your coinsurance payments
accumulate toward your out-of-pocket maximum.
Copay
A copay is a speciied amount you will pay for out-of-pocket
expenses for healthcare services such as doctor visits and prescription
drugs at the time the service is rendered, with the plan paying the
remaining costs. Your copayments accumulate toward your out-of-
pocket maximum.
Total Out-of-Pocket-Maximum
The out-of-pocket maximum is designed to protect you in the event
of a catastrophic illness or injury. After you have paid the speciied
out-of-pocket amount during a policy year, the plan pays the
remaining covered services at 100 percent. PPO out-of-network total
out-of-pocket does not account for any balance billing charges.
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Action Required 2015 Monthly Contributions
Tobacco User Fee—in 2016, the PPO HDHP
medical program will continue to have Employee $164.77 $115.08
a Tobacco User Fee. This fee is an Employee + 1 $329.54 $232.11
additional $35 per month for salaried Family $560.22 $387.38
employees, on top of your monthly
medical contributions. Executives Class I pay 120% of the rates illustrated above; Executives Class II or higher
pay 140% of these rates.
Spouse Access Fee—in 2015, the Insurance Terms
medical plan will continue to have a Deductible
Spouse Access Fee of $100 per month A deductible is the amount of money you must pay before the plan
for salaried employees. The Spouse begins paying coinsurance. There are several commonly received
Access Fee only applies if you cover services for which the deductible does not apply. For example, if you
your spouse and he or she has access have a physician’s visit or ill prescriptions at an in-network provider,
to medical coverage through his or her you pay the speciied copayment amount. Your deductible payments
employer. accumulate toward your out-of-pocket maximum.
Coinsurance
Coinsurance is the percentage of the bill that is your responsibility
once all of the deductible amount has been satisied. The remaining
percentage of the bill is covered by your plan. Coinsurance is applied
to the same services as the deductible. Your coinsurance payments
accumulate toward your out-of-pocket maximum.
Copay
A copay is a speciied amount you will pay for out-of-pocket
expenses for healthcare services such as doctor visits and prescription
drugs at the time the service is rendered, with the plan paying the
remaining costs. Your copayments accumulate toward your out-of-
pocket maximum.
Total Out-of-Pocket-Maximum
The out-of-pocket maximum is designed to protect you in the event
of a catastrophic illness or injury. After you have paid the speciied
out-of-pocket amount during a policy year, the plan pays the
remaining covered services at 100 percent. PPO out-of-network total
out-of-pocket does not account for any balance billing charges.
8
