Page 5 - 2016 Nortek Enrollment Guide Kaiser
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Medical Plan Options The Nortek health plans are account-
based health plans, which means you
will use dollars in a healthcare account
Generally speaking, the HRA plan has: to pay for some of your medical
expenses. The two plan choices are:
Lower deductibles and out-of-pocket maximums
Fixed copays for prescription drugs, ofice visits, ER, and urgent care An HRA—or Health
Reimbursement Arrangement—
which count towards your out-of-pocket max plan
Higher monthly employee premiums An HSA—or Health Savings
Account—plan
The HSA plan has:
The plans give you more lexibility—
Higher deductibles and out-of-pocket maximums and accountability—to determine
Signiicant tax advantages when, where, and how to receive
healthcare services and how to spend
No copays; you pay the full discounted price of covered services until those dollars.
your deductible is met, then 20 percent coinsurance up to the out-of- Both plans are with United
pocket maximum Healthcare, and offer in-network
and out-of-network beneits. We use
Information about how to open an HSA account is available toward UnitedHealthcare’s Choice Plus plan
the end of this guide network, which includes 645,000
Lower monthly employee premiums physicians and hospitals across the
country.
Once you satisfy any applicable deductibles and out-of-pocket maximums
for the plan you choose, Nortek will cover expenses at 100 percent for the
remainder of the plan year.
How to ind a doctor or hospital: for the most up-to-date list of
physicians and hospitals in the Choice Plus Plan network, visit
www.uhc.com and select the UnitedHealthcare Choice Plus network.
Once enrolled, you can register on the UHC site and access additional
tools and resources.
Kaiser Permanente Option
You have a third plan option available to you through Kaiser Permanente.
The Kaiser HMO, or Health Maintenance Organization, is a speciic
group of healthcare providers afiliated with the Kaiser Permanente
network. In the HMO plan, you must designate a Primary Care Physician
(PCP) when you enroll in the plan. You will only receive beneits and
coverage when you obtain care through a Kaiser Permanente physician
or facility (except in the event of an emergency). More details about your
Kaiser HMO plan design are available in this guidebook. 2016 Open Enrollment
Medical Plan Options The Nortek health plans are account-
based health plans, which means you
will use dollars in a healthcare account
Generally speaking, the HRA plan has: to pay for some of your medical
expenses. The two plan choices are:
Lower deductibles and out-of-pocket maximums
Fixed copays for prescription drugs, ofice visits, ER, and urgent care An HRA—or Health
Reimbursement Arrangement—
which count towards your out-of-pocket max plan
Higher monthly employee premiums An HSA—or Health Savings
Account—plan
The HSA plan has:
The plans give you more lexibility—
Higher deductibles and out-of-pocket maximums and accountability—to determine
Signiicant tax advantages when, where, and how to receive
healthcare services and how to spend
No copays; you pay the full discounted price of covered services until those dollars.
your deductible is met, then 20 percent coinsurance up to the out-of- Both plans are with United
pocket maximum Healthcare, and offer in-network
and out-of-network beneits. We use
Information about how to open an HSA account is available toward UnitedHealthcare’s Choice Plus plan
the end of this guide network, which includes 645,000
Lower monthly employee premiums physicians and hospitals across the
country.
Once you satisfy any applicable deductibles and out-of-pocket maximums
for the plan you choose, Nortek will cover expenses at 100 percent for the
remainder of the plan year.
How to ind a doctor or hospital: for the most up-to-date list of
physicians and hospitals in the Choice Plus Plan network, visit
www.uhc.com and select the UnitedHealthcare Choice Plus network.
Once enrolled, you can register on the UHC site and access additional
tools and resources.
Kaiser Permanente Option
You have a third plan option available to you through Kaiser Permanente.
The Kaiser HMO, or Health Maintenance Organization, is a speciic
group of healthcare providers afiliated with the Kaiser Permanente
network. In the HMO plan, you must designate a Primary Care Physician
(PCP) when you enroll in the plan. You will only receive beneits and
coverage when you obtain care through a Kaiser Permanente physician
or facility (except in the event of an emergency). More details about your
Kaiser HMO plan design are available in this guidebook. 2016 Open Enrollment
