Page 2 - 2015 Saint Louis University Benefits Guide
P. 2
Saint Louis University
Medical/Prescription Drug Benefits X QHDHP Plan
X We are happy to announce employee Z The QHDHP plan is also a PPO plan, but works
contributions for both the Plus Plan differently than the Plus Plan. The biggest difference
and the QHDHP Plan (wellness and is the higher deductible. In addition to the higher
non-wellness) will remain the same for deductible, traditional copays do not exist. Instead,
2015 for the third year in a row! This is you are responsible for the full cost of care until
no small feat! Thank you for continuing the deductible is met. You will, however, receive the
to strive to be a knowledgeable contractual discount from UnitedHealthcare and Express
healthcare consumer. We will continue Scripts. Once you meet the deductible, your responsibility
to provide you with the tools and lies in the coinsurance amount. Routine preventive care,
resources to make this possible. as well as certain preventive medications, are covered at
X Medical beneits will remain with 100%, no cost to the member.
UnitedHealthcare (UHC); Prescription Z For 2015, there will be no design changes to the
Drug beneits will remain with Express QHDHP plan. Additionally, this plan meets the plan
Scripts. design requirements set by the IRS in order to be paired
X You will continue to have the option with a Health Savings Account.
between two plans—the Plus Plan and
the Qualiied High Deductible Health Wellness Plan
Plan (QHDHP). X Your health and wellbeing are extremely important to Saint
Louis University; because of this, our partnership with
X Plus Plan Vitality will continue in 2015
Z The Plus Plan is a traditional PPO X If you are engaged in the program, we will continue to
plan. There are copays for physician reward your healthy behavior through the medical premium
ofice visits as well as prescription wellness discount
drugs. Routine preventive care is
covered at 100%, no cost to the X To be engaged you must complete both the Vitality Check
member. and Vitality Health Review (VHR) by November 30, 2014.
If covering your spouse, your spouse must also complete
Z The only design change is due both requirements for both to qualify for the discount. The
to the Patient Protection and Vitality Check is the biometric screening which includes
Affordable Care Act (PPACA). screenings for height, weight, blood pressure, fasting glucose,
Effective January 1, 2015, and cholesterol. The VHR is the online health assessment
prescription drug copays will which needs to be completed by employees through
now apply to the out-of-pocket www.PowerofVitality.com.
maximum. So, both medical and
prescription drug copays will apply.
No other changes will be made to
the Plus Plan for 2015.
2
Medical/Prescription Drug Benefits X QHDHP Plan
X We are happy to announce employee Z The QHDHP plan is also a PPO plan, but works
contributions for both the Plus Plan differently than the Plus Plan. The biggest difference
and the QHDHP Plan (wellness and is the higher deductible. In addition to the higher
non-wellness) will remain the same for deductible, traditional copays do not exist. Instead,
2015 for the third year in a row! This is you are responsible for the full cost of care until
no small feat! Thank you for continuing the deductible is met. You will, however, receive the
to strive to be a knowledgeable contractual discount from UnitedHealthcare and Express
healthcare consumer. We will continue Scripts. Once you meet the deductible, your responsibility
to provide you with the tools and lies in the coinsurance amount. Routine preventive care,
resources to make this possible. as well as certain preventive medications, are covered at
X Medical beneits will remain with 100%, no cost to the member.
UnitedHealthcare (UHC); Prescription Z For 2015, there will be no design changes to the
Drug beneits will remain with Express QHDHP plan. Additionally, this plan meets the plan
Scripts. design requirements set by the IRS in order to be paired
X You will continue to have the option with a Health Savings Account.
between two plans—the Plus Plan and
the Qualiied High Deductible Health Wellness Plan
Plan (QHDHP). X Your health and wellbeing are extremely important to Saint
Louis University; because of this, our partnership with
X Plus Plan Vitality will continue in 2015
Z The Plus Plan is a traditional PPO X If you are engaged in the program, we will continue to
plan. There are copays for physician reward your healthy behavior through the medical premium
ofice visits as well as prescription wellness discount
drugs. Routine preventive care is
covered at 100%, no cost to the X To be engaged you must complete both the Vitality Check
member. and Vitality Health Review (VHR) by November 30, 2014.
If covering your spouse, your spouse must also complete
Z The only design change is due both requirements for both to qualify for the discount. The
to the Patient Protection and Vitality Check is the biometric screening which includes
Affordable Care Act (PPACA). screenings for height, weight, blood pressure, fasting glucose,
Effective January 1, 2015, and cholesterol. The VHR is the online health assessment
prescription drug copays will which needs to be completed by employees through
now apply to the out-of-pocket www.PowerofVitality.com.
maximum. So, both medical and
prescription drug copays will apply.
No other changes will be made to
the Plus Plan for 2015.
2
