Ivy Tech Community College Limited Medical Insurance Plans.
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Transcript of Ivy Tech Community College Limited Medical Insurance Plans.
Ivy Tech Community College
Limited Medical Insurance Plans
Ivy Tech Community College currently offers two limited medical insurance plans to adjunct faculty members who do not also have a full-time appointment with Ivy Tech, or part-time (less than 60%) hourly or administrative employees who are not eligible for the full-time Ivy Tech benefit plan. Eligible employees may purchase one of the plans to cover you, your spouse and eligible dependent children.
The two limited medical insurance plans offered include:Basic Medical PlanEnhanced Medical Plan
PLAN INFORMATION
Plan comparison at a glance
BASIC PLAN ENHANCED PLAN Maximum Per Occurrence or Sickness
$2,500 $5,000
Deductible (per illness or injury)
$200 $150
Prescription Drug Benefit
At pharmacy, there is a point of sale discount.
After paying for prescription, receipt
should be sent to American Sentinel for 50% reimbursement
At pharmacy, there is a point of sale discount.
After paying for prescription, receipt
should be sent to American Sentinel for 50% reimbursement
Office Visit Copay $20.00 $15.00 Hospital Care
60% after deductible 80% after deductible
Physician Services Lab/X-ray/Diagnostic Care Surgery Other Covered Medical Services Additional Inpatient Benefit
$400 per day $500 per day
Emergency Room/Ambulance
60% 80%
PLAN SUMMARY COMPARISON
MultiPlan Network
Office Visit Benefit $20 co-pay
Rx Benefit (name brands and generics) Covered at 50% up to $750 per Calendar Year
Hospital Care (inpatient and outpatient) 60% after per occurrence deductible
Physician Services 60% after per occurrence deductible
Additional In-patient Benefit $400 Per Day30 Days Per Calendar Year
Lab/X-ray/Diagnostic Care 60% up to $750 per occurrence
BASIC MEDICAL PLAN SUMMARY
MultiPlan Network
Emergency Room/Ambulance Covered at 60%($350 per visit Emergency Room Deductible – waived if due to an accident or results in hospital admission)
Surgery (inpatient and outpatient) 60% after per occurrence deductible
Other Covered Medical Services (home health, hospice, physical therapy) 60% after per occurrence deductible
Deductible Per Accident or Sickness $200
Maximum Benefit Per Accident/Sickness $2,500 Per Occurrence
BASIC MEDICAL PLAN SUMMARY (continued)
MultiPlan Network
Office Visit Benefit $15 co-pay
Rx Benefit (name brands and generics) Covered at 50% up to $1,000 per Calendar Year
Hospital Care (inpatient and outpatient) 80% after per occurrence deductible
Physician Services 80% after per occurrence deductible
Additional In-patient Benefit $500 Per Day30 Days Per Calendar Year
Lab/X-ray/Diagnostic Care 80% up to $1,000 per occurrence
ENHANCED MEDICAL PLAN SUMMARY
MultiPlan Network
Emergency Room/Ambulance Covered at 80%($350 per visit Emergency Room Deductible – waived if due to an accident or results in hospital admission)
Surgery (inpatient and outpatient) 80% after per occurrence deductible
Other Covered Medical Services (home health, hospice, physical therapy) 80% after per occurrence deductible
Deductible Per Accident or Sickness $150
Maximum Benefit Per Accident/Sickness $5,000 Per Occurrence
ENHANCED MEDICAL PLAN SUMMARY (cont.)
90% of claims incurred are between $1 and $3,500 Both plans cover all State Mandates $10,000 Accidental Death Coverage No Medical Underwriting – Guarantee Issue Vision Discount Program – National Vision Administrators Prescription Benefits Available
• Express Scripts is the discount prescription vendor on both plans.
Pre-existing condition clause does not apply to Pregnancy Plan policies are underwritten by American Sentinel Insurance Co. $100 Wellness Benefit Included
COVERAGE BASICS
Monthly Premiums Basic Plan Enhanced Plan
Employee Only $111.24 per month $180.12 per month
Employee + 1 $213.20 per month $355.30 per month
Family $313.14 per month $511.46 per month
Premiums are direct billed to the employee. Payments can be made through debit card, credit card or ACH Debit monthly.
PREMIUM INFORMATION
Why are there dollar limits on this plan?The American Sentinel Plan was not designed to replace a traditional health insurance plan, only to offer affordable coverage to individuals who otherwise wouldn’t be able to buy coverage.
Can an employee be turned down for coverage?No, an eligible person cannot be turned down.
Can dependents be covered?Yes. Due to changes with Health Care Reform, dependents can now be covered to age 26, if the dependent is not eligible for another employer-sponsored health plan.
FREQUENTLY ASKED QUESTIONS
Is there a pre-existing condition clause?Yes, a pre-existing condition is an injury or illness for which you have received medical advice, treatment, or incurred expenses within 6 months prior to your enrollment date. Pre-existing conditions are covered after 12 continuous months from your enrollment date or after 6 continuous months of receiving no treatment and incurring no expenses for the condition. These periods may be reduced by any creditable coverage that you may have had with a previous employer-sponsored or individual insurance plan. No pre-existing limitation will be applied to pregnancy. Lastly, due to changes with Health Care Reform, the pre-existing clause will not apply to any enrollee that is under the age of 19.
Who do I contact with questions?Contact American Sentinel customer service at 1-800-692-7338 or you can email questions to [email protected].
FREQUENTLY ASKED QUESTIONS (continued)
To Enroll in one of the Plans: Complete the Enrollment Packet. Packets are located in the
Employee Services and Faculty Tabs of Campus Connect. You may also obtain an Enrollment Packet from your Regional Human Resources Department.
Once the Enrollment Packet is complete, submit the completed forms to your Regional Human Resources Department within 31 days from your date of hire.
Coverage becomes effective on the first day of the month following your completion and return to your Regional Human Resources Department of the appropriate paperwork, and the Regional Human Resources Department’s verification of eligibility. Employees must have an active assignment on the effective date of coverage.
ENROLLMENT INFORMATION
CHANGE & TERMINATION INFORMATION
To make changes to your Plan: Complete the Change Form located in the Employee
Services tab on Campus Connect under College Benefits Website via Adjunct Faculty/Part-Time Employees Forms & Resources link. You may also obtain an Change Form from your Regional Human Resources Department.
Once the Change Form is complete, submit the completed form to your Regional Human Resources Department.
To Terminate your Plan: To cancel your coverage please notify
Christine Butler by sending an email to [email protected].
Your coverage will end at the end of the month coverage is cancelled.
OPEN ENROLLMENT
An Open Enrollment period will be conducted September 4 – September 14, 2012.
Effective date of coverage for the Open Enrollment period will be October 1, 2012.
Check with your local Human Resources Department for information on meeting dates and times.
UPCOMING OPEN ENROLLMENT PERIOD