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How Plan Works
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Uses flat-dollar copayments for office-based services.
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Uses coinsurance for office-based services. Employees pay a certain percentage of the provider’s billed charge.
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Uses a tiered copay design for office visits. Employees pay for a lower copay for primary care and a higher copay for non-primary care. |
Uses a tiered copay design to help keep costs down. Employees pay a lower copay for primary care and a higher copay for non-primary care.
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Requires selection of a primary care provider (PCP). Out-of-pocket costs are lowest when employees see their PCP, but they can see any physician for most services. |
Allows employees to see any provider in the network without a referral. Employees are not required to choose a PCP, however, employee costs are lower for office services from seven types of primary care providers.
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Requires selection of a primary care provider (PCP), who serves as the starting point for all health care.
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Combines a high-deductible PPO health plan with a health savings account (HSA). The HSA can be used to pay for medical expenses until the deductible is met.
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Combines a high-deductible PPO health plan with an employer-funded health reimbursement account (HRA). The HRA reimburses employees for covered health care expenses.
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Network
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Alliance Select Network: 100% of hospitals and 99% of physicians in Iowa.
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Wellmark Health Plan of Iowa: 100% of hospitals and 97% of physicians in Iowa. |
Alliance Select Network: 100% of hospitals and 99% of physicians in Iowa.
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Network Out of State
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BlueCard® Network: More than 90% of hospitals and 80% of doctors in the U.S.
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Blue Card Network: For emergency care only. |
BlueCard® Network: More than 90% of hospitals and 80% of doctors in the U.S.
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| Prescription Drug Coverage Included in Plan |
Blue Rx PreferredSM: Employees pay copayment for prescriptions. Uses tiered copay structure to encourage use of generic or lower-priced drugs.
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Covered under health plan. Employees pay full cost of prescriptions and are reimbursed once they meet their deductible.
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Blue Rx PreferredSM: Employees pay copayment for prescriptions. Uses tiered copay structure to encourage use of generic or lower-priced drugs.
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