Page 4 - Nortek California Employee Guide
P. 4
Open
Enrollment
Medical Plan
Options Three Medical Plan Options
California employees have three Generally speaking, the HRA Plan has
health plan options to choose from: X Lower deductibles and out-of-pocket maximums
two account-based plans and a
Kaiser HMO option . The three plan X Fixed copays for prescription drugs, ofice visits, ER, and urgent
choices are: care which count towards your out-of-pocket max
An HRA—or Health X Higher monthly employee premiums
Reimbursement Arrangement—
plan The HSA Plan has
X Higher deductibles and out-of-pocket maximums
An HSA—or Health Savings
Account—plan X Signiicant tax advantages
A Kaiser Health Maintenance X No copays, but 20% coinsurance for prescription drugs, ofice
Organization (HMO) plan visits, ER, and urgent care which count towards the deductible and
The account based plans give you out-of-pocket max
more lexibility—and accountability— X Lower monthly employee premiums
to determine when, where, and how
to receive healthcare services and Once you satisfy any applicable deductibles and out-of-pocket
how to spend those dollars . maximums for the plan you choose, Nortek will cover expenses at
Both account based plans are with 100%.
United Healthcare, and offer in-
network and out-of-network beneits. How to ind a doctor or hospital: for the most up-to-date list of
We use UnitedHealthcare’s Choice physicians and hospitals in the Choice Plus Plan network, visit
Plus plan network, which includes www.uhc.com and select the UnitedHealthcare Choice Plus network.
645,000 physicians and hospitals
across the country . Once enrolled, you will have access to www.myuhc.com and additional
tools and resources.
In the Kaiser HMO plan, you are only
offered in-network beneits through The Kaiser HMO Plan has
Kaiser Permanente doctors and
facilities . X Only network coverage available, you must utilize a Kaiser
physician or facility to receive beneit coverage (except in an
emergency situation)
X You must designate a Primary Care Physician (PCP) from Kaiser’s
network
X You cannot participate in the wellness program when you enroll in
the Kaiser health plan
4
Enrollment
Medical Plan
Options Three Medical Plan Options
California employees have three Generally speaking, the HRA Plan has
health plan options to choose from: X Lower deductibles and out-of-pocket maximums
two account-based plans and a
Kaiser HMO option . The three plan X Fixed copays for prescription drugs, ofice visits, ER, and urgent
choices are: care which count towards your out-of-pocket max
An HRA—or Health X Higher monthly employee premiums
Reimbursement Arrangement—
plan The HSA Plan has
X Higher deductibles and out-of-pocket maximums
An HSA—or Health Savings
Account—plan X Signiicant tax advantages
A Kaiser Health Maintenance X No copays, but 20% coinsurance for prescription drugs, ofice
Organization (HMO) plan visits, ER, and urgent care which count towards the deductible and
The account based plans give you out-of-pocket max
more lexibility—and accountability— X Lower monthly employee premiums
to determine when, where, and how
to receive healthcare services and Once you satisfy any applicable deductibles and out-of-pocket
how to spend those dollars . maximums for the plan you choose, Nortek will cover expenses at
Both account based plans are with 100%.
United Healthcare, and offer in-
network and out-of-network beneits. How to ind a doctor or hospital: for the most up-to-date list of
We use UnitedHealthcare’s Choice physicians and hospitals in the Choice Plus Plan network, visit
Plus plan network, which includes www.uhc.com and select the UnitedHealthcare Choice Plus network.
645,000 physicians and hospitals
across the country . Once enrolled, you will have access to www.myuhc.com and additional
tools and resources.
In the Kaiser HMO plan, you are only
offered in-network beneits through The Kaiser HMO Plan has
Kaiser Permanente doctors and
facilities . X Only network coverage available, you must utilize a Kaiser
physician or facility to receive beneit coverage (except in an
emergency situation)
X You must designate a Primary Care Physician (PCP) from Kaiser’s
network
X You cannot participate in the wellness program when you enroll in
the Kaiser health plan
4
