Page 4 - 2015/2016 Benefits Guide
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Third Medical/Pharmacy Spouse Eligibility
Plan Option If you have a spouse who works and he or she is offered medical/
Effective July 1, 2015, you will prescription beneits through his or her employer, they must elect
have the option to enroll in an coverage through their employer in order to be eligible for any additional
HSA-Qualiied plan. or secondary coverage under TheBANK’s medical/prescription beneit
All medical and pharmacy plan. Therefore as of July 1, 2015, you no longer can elect to have your
expenses are subject to working spouse covered under TheBANK’s plan as primary. Other
deductible and coinsurance (no eligible dependents such as your children may remain on the plan with
copays). primary coverage. If you choose not to cover your spouse because he or
See page 6 for plan details she has their employer’s coverage and he or she later loses eligibility under
Deductible is non-embedded their employer’s plan, he or she would be allowed to enroll in TheBANK’s
medical/prescription plan as long as Human Resources is notiied and
Healthcare FSA application for coverage is made within 31 days of losing coverage.
Increased to $2,550
Telemedicine Program Added
New TeleMedicine Program through Teladoc
What is a Non- Teladoc is a telemedicine program offered as a covered beneit in all
Embedded medical plans. It is like going to an ofice visit via a mobile device or
Deductible? computer. No appointments, no driving, and no waiting at an urgent
If you are on a family (two are more care center. Teladoc lets you talk face-to-face with a doctor through your
members covered) medical plan
with a non-embedded deductible, mobile device or a computer with a webcam. Teladoc would be used for
there is not an individual deductible common health concerns like colds, lu, fevers, rashes, infections, and
embedded in the family deductible. In allergies. It’s faster, easier, and more convenient than a visit to an urgent
this situation, before your insurance care center.
helps you pay for any of your
medical bills the entire amount of the Doctors are available 24 hours a day, seven days a week. Busy schedule?
deductible must be met irst. It can
be met by one family member or a No problem—the convenience of having a doctor a click away can help
combination of family members. you get the care you need when you need it. Refer to your medical plan
summary for plan cost share information.
TheBANK of Edwardsville
Third Medical/Pharmacy Spouse Eligibility
Plan Option If you have a spouse who works and he or she is offered medical/
Effective July 1, 2015, you will prescription beneits through his or her employer, they must elect
have the option to enroll in an coverage through their employer in order to be eligible for any additional
HSA-Qualiied plan. or secondary coverage under TheBANK’s medical/prescription beneit
All medical and pharmacy plan. Therefore as of July 1, 2015, you no longer can elect to have your
expenses are subject to working spouse covered under TheBANK’s plan as primary. Other
deductible and coinsurance (no eligible dependents such as your children may remain on the plan with
copays). primary coverage. If you choose not to cover your spouse because he or
See page 6 for plan details she has their employer’s coverage and he or she later loses eligibility under
Deductible is non-embedded their employer’s plan, he or she would be allowed to enroll in TheBANK’s
medical/prescription plan as long as Human Resources is notiied and
Healthcare FSA application for coverage is made within 31 days of losing coverage.
Increased to $2,550
Telemedicine Program Added
New TeleMedicine Program through Teladoc
What is a Non- Teladoc is a telemedicine program offered as a covered beneit in all
Embedded medical plans. It is like going to an ofice visit via a mobile device or
Deductible? computer. No appointments, no driving, and no waiting at an urgent
If you are on a family (two are more care center. Teladoc lets you talk face-to-face with a doctor through your
members covered) medical plan
with a non-embedded deductible, mobile device or a computer with a webcam. Teladoc would be used for
there is not an individual deductible common health concerns like colds, lu, fevers, rashes, infections, and
embedded in the family deductible. In allergies. It’s faster, easier, and more convenient than a visit to an urgent
this situation, before your insurance care center.
helps you pay for any of your
medical bills the entire amount of the Doctors are available 24 hours a day, seven days a week. Busy schedule?
deductible must be met irst. It can
be met by one family member or a No problem—the convenience of having a doctor a click away can help
combination of family members. you get the care you need when you need it. Refer to your medical plan
summary for plan cost share information.
TheBANK of Edwardsville
