Page 7 - GESMN 2019 Benefits Enrollment Guide
P. 7
Medical
Medical Plan Options
Our goal is to provide the best possible health coverage — coverage which is
affordable for you and sustainable for GESMN — while continuing to offer great
care. We are dedicated to continuously evaluating our benefits plans, providing
market competitive benefits and delivering health care options which meet the needs
of you and your family.
This is an ever-changing health care environment, and we are determined to do our
best to manage and minimize cost increases.
We continue to partner with HealthPartners and offer two (2) plan options for
eligible employees working 30 or more hours per week. Refer to the table on page
8 for a summary of your plan options.
With HealthPartners, all employees have access to the same open access network.
HealthPartners Open Access Network
➢ You can see any provider you wish who accepts HealthPartners, but you
will receive the highest level of coverage when using an in-network
provider.
➢ No referrals required.
➢ This network is one of the largest in the nation; you will find that most
providers are in this network.
In-Network Vs. Out-Of-Network
A network is a group of doctors, specialists, hospitals, labs and pharmacies your
plan contracts with at negotiated or discounted rates. These make up the providers
in your “network.” This means you will almost always pay less when you receive
care in-network.
If you choose to see an out-of-network provider, you may be required to
submit your own claims. You may also be balance billed, which means you will
be responsible for charges above HealthPartners’ reimbursement amount.
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