Page 4 - 2017 Employee Benefit Highlights

Selecting your medical insurance plan

Medical insurance

Decision #1 | should you take it

Your first step in making this important decision should be to make an estimate of what
your medical expenses will be for the year and what will influence those expenses. Are you
planning to have a child? Been putting off surgery or a procedure that you know you might The medical plan you choose
face this year? Do you take good physical care of yourself? The answers to these questions will make a difference in
and more can have a big influence on your decision. your health care spending
throughout the year.
After you’ve considered the questions and made your estimate, compare it with the
employee contribution amounts, plus apply some of the deductibles, copays and
coinsurance that you may incur throughout the year as listed on the following page.
That’s how to make your decision.
Decision #2 | HMO, PPO or HDHP In-Network, Out-of-Network?

Epicor provides you with 4 medical options: Kaiser Permanente HMO plan (CA only), PPO stands for “Preferred Provider
Anthem Blue Cross PPO plan and 2 Anthem Blue Cross High Deductible Health Plans Organization.” HDHP stand for
(HDHP 1500 and HDHP 2500). “High Deductible Health Plan.”
Both are a group of doctors, hospitals
and other providers who agree to
The HMO plan is available to California residents only. You can go to any provider you like
in the Kaiser Permanente Network; however, there is no out-of-network coverage. provide services to Anthem patients
at a reduced, pre-negotiated rate.
Under our plan, they are referred to
The PPO allows you to go to any provider you like; however, you’ll benefit from negotiated
rates and higher benefit levels when you use the contracted PPO providers. as “In-Network Providers.”

Some physicians, hospitals or other
The HDHP 1500 and HDHP 2500 allow you to set up a Health Savings Account (HSA) and providers may choose NOT to join the
make tax free contributions to your account. Please refer to page 7 for more information network. Under our PPO and HDHP
regarding HSA accounts. Both plans cover the same services; only your premiums and plan, they are considered “Out-of-
individual/family deductibles are different. You may go to any provider you like; however, Network Providers” and when you
you’ll benefit from negotiated rates and higher benefit levels when you use the contracted enroll in the Anthem PPO or HDHP
PPO providers.
plan you can still choose to see them
Decision #3 | who should you cover but your expenses will be covered at a
lower rate. You are in control of who
you see.
You share the cost of health care services with Epicor and the medical plan you select. Each
of these levels of coverage carries a different employee contribution (the semi-monthly The Kaiser Permanente HMO plan does
pre-taxed amount you pay per paycheck) toward the total medical premium. Premiums not have an out-of-network option.
are higher or lower based upon the benefits provided by each medical plan.

HMO PPO HDHP 1500 HDHP 2500 Please note: A spouse surcharge of $40

You only $133 $100 $52 $37 per paycheck will be added to the cost
of Employee + Spouse and Employee
You + Spouse $274 $220 $114 $83
+ Family if an employee’s spouse has
You + Child(ren) $228 $182 $94 $68 medical coverage available through

You + Family $418 $309 $158 $114 their own employer. All employees will
be required to certify that their spouse
does not have other coverage available.
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