BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical...
-
Upload
bryce-barnett -
Category
Documents
-
view
215 -
download
1
Transcript of BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical...
![Page 1: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/1.jpg)
BROWARD HEALTH BENEFITS
![Page 2: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/2.jpg)
The Broward Health Notice of Privacy Practice describes
how medical information about you may be used and
disclosed and your rights regarding this information.
You will be asked to sign the
acknowledgement form at orientation.
Notice of Privacy Practices
![Page 3: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/3.jpg)
• Medical plans cover medical, pharmacy and vision care.
• No pre-existing limitations.
• Hospitalization requires pre-certification.
Medical Coverage
![Page 4: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/4.jpg)
• In- and out-of-network benefits.
• Broward Health facilities for in-network benefits.
• No primary care physician needed.
• No referrals needed.
• Can use out-of-network physicians and hospitals but at a greater cost.
• 911/emergencies covered at in-network level.
• In-network Broward County coverage only.
Best Choice Plus
![Page 5: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/5.jpg)
• In-network benefits only; except emergency.
• Authorizations not required for diagnostic treatment.
• Referrals required for specialist visits.
• Primary care physician coordinates your care.
• Nationwide coverage.
• Over 50 hospitals in tri-county area.
Aetna Select
![Page 6: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/6.jpg)
• High Deductible Health Plan (HDHP) = comprehensive medical coverage + Health Savings Account (HSA).
• Nationwide coverage.
• Over 50 hospitals in tri-county area.
• In-network hospital benefits paid at 80% after deductible.
• Out-of-network benefits paid at 60% after deductible.
• Pre-certification required for hospital admission.
• Specialist referrals and diagnostic authorizations not required.
• $1,500 single deductible, $3,000 family deductible
• Deductible must be met before claims are paid, except for preventive.
Aetna Choice
![Page 7: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/7.jpg)
• Fee-for-service.
• Plan pays 80% of eligible expenses.
• $1,000 maximum benefit per year.
• “Open panel” of dentists.
• Nationwide coverage.
Basic Dental
![Page 8: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/8.jpg)
• Family members choose their own dentist.
• No waiting periods, calendar year maximums or deductibles.
• No claim forms.
• No out-of-network benefits.
• Co-pays required for root canal, crowns, etc.
• Over 10,700 dentists in California, Florida and Texas.
Safeguard Dental
![Page 9: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/9.jpg)
• Health and Dental benefits effective 1st of the month following hire date.
• Required documentation such as marriage and birth certificates.
• If you miss the new hire deadline, you may only enroll at annual enrollment or if you experience a life qualifying event.
Don’t Delay Enrollment!
![Page 10: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/10.jpg)
Best Choice Plus* Aetna Select* Aetna Choice*
Office Visit
• $15 co-pay/office visit • No authorization required for
specialist
• $15 co-pay/office visit• Referral required for
specialist visit
• Covered at 80% after deductible
Inpatient Hospital
• Hospital charges paid 100% at Broward Health facilities
• Hospital charges paid 100% at Aetna facilities after $250 co-pay
• Covered at 80% after deductible
Out of Network
• Physicians paid at 60% after annual deductible; emergency covered at 100%
• Emergency only• Covered at 60% after
deductible
Outpatient Services
• Hospital charges paid 100% at Broward Health facilities
• Diagnostic cover at 90% after deductible and surgery covered at 100% with $50 co-pay
• Covered at 80% after deductible
Prescription Drugs
• $10/$20/$30 • $10/$25/$40• Covered at 80% after
deductible. Deductible waived for preventive Rx
*All plans include vision care
Medical Plans
![Page 11: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/11.jpg)
Basic Dental Plan Safeguard Dental Plan
Maximum Plan Benefit
• $1,000 Per person per Calendar Year • No maximum
Services• Most services paid at 80% of Plan
Allowance maximum• Co-pays are required for many procedures
such as root canal, crowns, etc.
Emergency Treatment
• 80% of Plan Allowance• $50 co-pay plus any charges related to
service treatment
Orthodontia• 60% of billable charges, up to $1,500
lifetime maximum• $1,850 co-pay
Dentist• You may select any licensed Dentist who
meets plan guidelines • You may select any Dentist from provider
directory
Dental Plans
![Page 12: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/12.jpg)
Your Cost Per Pay Cycle
Best Choice Plus
(Preferred Provider Organization) – PPO
Aetna Select
(Exclusive Provider Organization) – EPO
Aetna Choice (POS II)
(High Deductible Health Plan) – HDHP
Employee $38.46 $40.86 $6.32
Employee & Spouse/DP
$79.94 $84.92 $13.13
EE & Child(ren) $58.85 $62.52 $9.67
Family/DP $108.83 $115.61 $17.87
Note: Part-time rates and domestic partner benefits also available
Medical Bi-Weekly Payroll Deductions
![Page 13: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/13.jpg)
Your Cost Per Pay Cycle
Basic Dental Safeguard Dental
Employee $2.76 $1.88
Employee & Spouse/DP
$5.71 $3.57
EE & Child(ren) $5.35 $3.38
Family/DP $9.08 $4.16
Dental Bi-Weekly Payroll Deductions
Note: Part-time rates also available
![Page 14: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/14.jpg)
Voluntary Short-Term Disability
• Pays up to 60% of your basic weekly earnings.
• Maximum benefit $1,000 per week.
• Maximum of 9 weeks.
• Pre-existing condition limitation.
• 29-day elimination period.
• Employee pays full cost.
• If you do not enroll at time of hire, evidence of insurability is required at open enrollment.
![Page 15: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/15.jpg)
Voluntary Long-Term Disability
• Pays up to 60% of your basic weekly earnings.
• Maximum benefit $5,000 per month.
• 90-day elimination period.
• Pre-existing condition limitation.
• BH pays ½ of premium.
• If you do not enroll at time of hire, evidence of insurability is required at open enrollment.
• Management and Physicians subject to other plan criteria.
![Page 16: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/16.jpg)
• 1x base salary life insurance at no cost.
• Additional voluntary insurance for employees and dependents available for payroll deduction.
• Call 1-800-553-1209 to enroll.
Life Insurance
![Page 17: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/17.jpg)
Flexible Spending Accounts
• Medical Expenses- Pre-tax dollars to pay for out-of-pocket expenses, such as
prescription drug co-pays, over-the-counter medications and medical, dental and vision expenses.
- Up to $5,000/year.
• Dependent Expenses- Pre-tax dollars to pay for day care expenses.
- Up to $5,000/year.
• Use It or Lose It- Any monies remaining in a flexible spending account after
the 2009 plan year claim deadline of March 31, 2010 will be forfeited.
![Page 18: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/18.jpg)
Retirement Plans
• Pension Plan
- 5% of base pay contributed by Broward Health.
- Automatically enrolled after one year of employment.
• Star Plus 403(b) Plan / 457(b) Plan
- AIG VALIC & Fidelity.
- Match (403b) up to 2.4% of base pay after one year of employment.
- You must enroll in the plan.
• More Information- Cafeteria, AIGRetirement.com / Fidelity.com or Human
Resources.
![Page 19: BROWARD HEALTH BENEFITS The Broward Health Notice of Privacy Practice describes how medical information about you may be used and disclosed and your.](https://reader035.fdocuments.in/reader035/viewer/2022062719/56649ef45503460f94c06cab/html5/thumbnails/19.jpg)
Thank you!
This presentation has been prepared as a guide and reference for the use of North Broward Hospital District’s employees. It explains the Medical, Dental and Prescription Plan Programs.
If there are any discrepancies between the information stated in this presentation and the plan documents, company policy or health care provider contracts, the plan documents, company policy and healthcare provider contracts will supersede. The North Broward Hospital District reserves the right to be the final authority in any matters concerning these programs. The District also reserves the right to change these policies or discontinue this program at any time without notice.
Welcome to Broward Health!
For more information, please visit:
www.BrowardHealth.org