Page 5 - 2018 Roquette Benefit Guide
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Roquette America Inc.
Medical and Prescription Drug What Is A Non-Embedded
Roquette partners with Wellmark to administer the medical and Deductible?
prescription drug programs. Wellmarkâs network offers access to a wide Individual deductibles are not
embedded into the family maximums.
range of in-network providers and signiicant discounts on services, If dependents are covered, the full
which helps lower the cost of healthcare for you and your family. family responsibility must be satisied
Through Wellmark, you have access to extensive online resources such as before the plan will begin to pay
care comparison tools and health and wellness information. beneits. There is no true individual
limit except for employee only
Employees will have the opportunity to review and select between two coverage.
plan options. Details of each plan offering are included in the following
pages. Review your options carefully to determine which option works
best for you and your family.
How the Plans Work
Low Deductible Plan
Our low deductible plan is a preferred provider organization (PPO)
plan. A PPO is a national network of physicians and hospitals who
have agreed to a discounted payment schedule. You are not required to
select a PCP (primary care provider) in this plan; instead, select a doctor
of your choice. You may access specialist care directly; no referrals are
required for specialist care. When you utilize network doctors, you will
receive a higher beneit level. Coverage is available for providers not in the
network; however you will have higher out-of-pocket costs. Roquette contributes $250 for an
individual or family into the HSA.
High Deductible Health Plan Employees have the ability to
contribute additional pre-tax dollars
The high deductible health plan offers the same discounts and availability up to IRS maximums, combined with
as the low deductible plan, but it comes with additional beneits. While the the company contribution. Employees
deductible is higher, employee premiums are lower, saving the employee enrolling in the HSA plan will receive
the full company contribution on
money up front. In addition, a tax-favored health savings account (HSA) April 1. New employees hired in
can be combined with this medical plan. Money in the HSA can help 2018 prior to July 1 will receive $250
pay your deductible and many other eligible expenses. Money left in the in their HSA on September 1. New
employees hired after July 1, but prior
savings account earns interest and is yours to keep, even if you leave the to October 1 will receive $250 in their
company or retire. HSA on December 1. New employees
hired after October 1 are not eligible
for a company contribution into the
HSA. HSA participants are ineligible to
contribute to a healthcare FSA.
5
Medical and Prescription Drug What Is A Non-Embedded
Roquette partners with Wellmark to administer the medical and Deductible?
prescription drug programs. Wellmarkâs network offers access to a wide Individual deductibles are not
embedded into the family maximums.
range of in-network providers and signiicant discounts on services, If dependents are covered, the full
which helps lower the cost of healthcare for you and your family. family responsibility must be satisied
Through Wellmark, you have access to extensive online resources such as before the plan will begin to pay
care comparison tools and health and wellness information. beneits. There is no true individual
limit except for employee only
Employees will have the opportunity to review and select between two coverage.
plan options. Details of each plan offering are included in the following
pages. Review your options carefully to determine which option works
best for you and your family.
How the Plans Work
Low Deductible Plan
Our low deductible plan is a preferred provider organization (PPO)
plan. A PPO is a national network of physicians and hospitals who
have agreed to a discounted payment schedule. You are not required to
select a PCP (primary care provider) in this plan; instead, select a doctor
of your choice. You may access specialist care directly; no referrals are
required for specialist care. When you utilize network doctors, you will
receive a higher beneit level. Coverage is available for providers not in the
network; however you will have higher out-of-pocket costs. Roquette contributes $250 for an
individual or family into the HSA.
High Deductible Health Plan Employees have the ability to
contribute additional pre-tax dollars
The high deductible health plan offers the same discounts and availability up to IRS maximums, combined with
as the low deductible plan, but it comes with additional beneits. While the the company contribution. Employees
deductible is higher, employee premiums are lower, saving the employee enrolling in the HSA plan will receive
the full company contribution on
money up front. In addition, a tax-favored health savings account (HSA) April 1. New employees hired in
can be combined with this medical plan. Money in the HSA can help 2018 prior to July 1 will receive $250
pay your deductible and many other eligible expenses. Money left in the in their HSA on September 1. New
employees hired after July 1, but prior
savings account earns interest and is yours to keep, even if you leave the to October 1 will receive $250 in their
company or retire. HSA on December 1. New employees
hired after October 1 are not eligible
for a company contribution into the
HSA. HSA participants are ineligible to
contribute to a healthcare FSA.
5
