Page 6 - CC 2018 Benefits Booklet_revised

2018 EMPLOYEE BENEFITS GUIDE
MEDICAL

An HDHP is a lot like other medical
plans. You have:

Flexibility to see any doctor and receive benefits if you use in-network
or out-of-network doctors or hospitals--of course, you’ll receive better
benefits by sticking in-network.
An annual deductible you must meet before the plan covers a majority
of the costs.
Discounted rates for services that have been negotiated with the
providers—you’re not paying retail.

Limits on the total amount you’ll have to spend each year—your out-of-
pocket maximum.
But with an HDHP, you also get:
Lower monthly costs. It costs you less per month in premium. On the
flip side, you’ll assume a little more responsibility for out-of-pocket NOTE

costs in the form of higher office visit, prescription costs and larger
deductibles. Medicare or
Help building a nest egg for qualified health care expenses. With this Tricare employees
plan, you can open a tax-advantaged HSA. Use it to pay for qualified enrolled in the
health care expenses that count toward meeting your deductible. You HDHP are eligible
contribute to the account with pretax payroll deductions or lump-sum for an HRA [Health
deposits. Reimbursement

Free money from Columbia College. Columbia College plans to Account]. Contact
contribute to your HSA as well. You will receive a prorated contribution Human Resources.
of $1,000 when you enroll in the HSA plan option. *This contribution is
evaluated on a yearly basis.
Preventive care covered 100%. Preventive care services such as annual
check-ups, immunizations and age-appropriate screenings are covered
100% on both of the Columbia College-sponsored medical plans.

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