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2021 Medical Plan Comparison: Choosing Your Ideal Coverage

Compare the Point of Service (POS) and Health Savings Account (HSA) medical plans for 2021. Learn about incentives, employee contributions, coverage details, and ways to reduce medical expenses.

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2021 Medical Plan Comparison: Choosing Your Ideal Coverage

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  1. Presentation Name Date and Time 2013 Medical Plan Comparison

  2. Two New Medical Plans in 2013! • Point of Service (POS) • and • Health Savings Account (HSA)

  3. Point Of Service (POS) • Co-paysfor office visits and prescriptions • Deductible and co-insurance for lab/x-rays & hospital • Incentivesavailable to reduce deductible • Competitive employee contributions

  4. Health Savings Account (HSA) • Deductible and co-insurance for office visits, prescriptions, lab/x-rays & hospital • EHC contributions and incentives help you fund a pre-tax Health Savings Account (HSA) and reduce your deductible • Lowest employee contributions of both plans

  5. Both POS and HSA Medical Plans: • Coverroutine preventive care services at 100% when provider is in EPN or Aetna In-Network • Use same provider networks • Cover prescription drugs and behavioral health • Offer incentives for participating in wellness activities • Have an out of pocket maximum to provide financial protection • Have unlimited lifetime maximum

  6. Two Medical Plans:Take a Closer Look • Choosing the Right Medical Plan For You and Your Family

  7. Now that we’ve watched the video, let’s go into a little more detail … • The next slide gives a detailed comparison of the two medical plans. POS vs. HSA

  8. As mentioned, this year you can earn incentives through both plans for participating in wellness activities.

  9. Incentive – Health Assessment & Biometrics BOTH must be completed to receive incentive • Health Assessment • Log on to Aetna Navigator and complete your Health Assessment • Biometrics Screening (New) • Onsite screenings or • Annual physical at physician’s office

  10. Incentive – Chronic Disease Management • Program provides support and assistance to those with a • chronic condition. Diseases can include diabetes, high blood • pressure and high cholesterol. • Employee or enrolled spouse/partner are eligible • Referred through diagnosis, physician or self-referral • 4 completed phone contacts qualify for incentive

  11. 2013 Employee Contribution Rates Remember EHC already pays 80% of the total premium. You pay 20%.

  12. How Can You Reduce Medical Expenses? • All of these help you reduce your medical costs! • Use the Aetna Plan Cost & Comparison Tool to estimate your expenses • Take advantage of tax savings plans • Flexible Spending Account (POS only) • Health Savings Account (HSA only) • Get your annual physical • Learn your biometric numbers • Make healthy lifestyle choices

  13. 2013 Annual Enrollment – Make Changes Online

  14. Enrollment Timeline

  15. Questions? Contact Benefits • Call: 404-686-6044 • Email: EHC.HR/Benefits@emoryhealthcare.org

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