Page 3 - 2016 Enrollment
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Medical Plan Options California employees have three
health plan options to choose from:
two account-based plans and a Kaiser
Generally speaking, the Health Reimbursement Arrangement (HRA) plan HMO option. The three plan choices
has: are:
Lower deductibles and out-of-pocket maximums 1. An HRA—or Health
Reimbursement Arrangement—
Fixed copays for prescription drugs, ofice visits, ER, and urgent care plan
which count towards your out-of-pocket max 2. An HSA—or Health Savings
Higher monthly employee premiums Account—plan
The High Deductible Health Plan with Health Savings Account (HSA) 3. A Kaiser Health Maintenance
has: Organization (HMO) plan
The account based plans give you
Higher deductibles and out-of-pocket maximums more lexibility—and accountability—to
Signiicant tax advantages determine when, where, and how to
receive healthcare services and how
No copays; you pay the full discounted price of covered services until to spend those dollars.
your deductible is met, then 20 percent coinsurance up to the out-of- Both account based plans are with
pocket maximum UnitedHealthcare, and offer in-network
Lower monthly employee premiums and out-of-network beneits. We use
UnitedHealthcare’s Choice Plus plan
Once you satisfy any applicable deductibles and out-of-pocket maximums network, which includes 645,000
physicians and hospitals across the
for the plan you choose, Nortek will cover expenses at 100 percent for the country.
remainder of the plan year. In the Kaiser HMO plan, you are only
offered in-network beneits through
Both account based plans use the UnitedHealthcare Choice Plus Network. Kaiser Permanente doctors and
To ind an in-network doctor or hospital, visit www.myuhc.com and select facilities.
Find Physician, Laboratory or Facility. Once enrolled, you can register on
the UHC site and access additional tools and resources.
Kaiser Permanente HMO
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). You cannot participate in
the wellness program when you enroll in the Kaiser HMO.
2016 New Hire Enrollment
Medical Plan Options California employees have three
health plan options to choose from:
two account-based plans and a Kaiser
Generally speaking, the Health Reimbursement Arrangement (HRA) plan HMO option. The three plan choices
has: are:
Lower deductibles and out-of-pocket maximums 1. An HRA—or Health
Reimbursement Arrangement—
Fixed copays for prescription drugs, ofice visits, ER, and urgent care plan
which count towards your out-of-pocket max 2. An HSA—or Health Savings
Higher monthly employee premiums Account—plan
The High Deductible Health Plan with Health Savings Account (HSA) 3. A Kaiser Health Maintenance
has: Organization (HMO) plan
The account based plans give you
Higher deductibles and out-of-pocket maximums more lexibility—and accountability—to
Signiicant tax advantages determine when, where, and how to
receive healthcare services and how
No copays; you pay the full discounted price of covered services until to spend those dollars.
your deductible is met, then 20 percent coinsurance up to the out-of- Both account based plans are with
pocket maximum UnitedHealthcare, and offer in-network
Lower monthly employee premiums and out-of-network beneits. We use
UnitedHealthcare’s Choice Plus plan
Once you satisfy any applicable deductibles and out-of-pocket maximums network, which includes 645,000
physicians and hospitals across the
for the plan you choose, Nortek will cover expenses at 100 percent for the country.
remainder of the plan year. In the Kaiser HMO plan, you are only
offered in-network beneits through
Both account based plans use the UnitedHealthcare Choice Plus Network. Kaiser Permanente doctors and
To ind an in-network doctor or hospital, visit www.myuhc.com and select facilities.
Find Physician, Laboratory or Facility. Once enrolled, you can register on
the UHC site and access additional tools and resources.
Kaiser Permanente HMO
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). You cannot participate in
the wellness program when you enroll in the Kaiser HMO.
2016 New Hire Enrollment
