Hourly Enrollment Guide - Pitney Bowes Project
Hourly Enrollment Guide - Pitney Bowes Project
Hourly Enrollment Guide - Pitney Bowes Project
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Medical Plan Options<br />
All of our medical plans provide you with preventive care and comprehensive<br />
coverage to protect you in case of a serious accident or illness. All plans include<br />
prescription drug and behavioral health coverage. The key differences are how you<br />
pay for services during the year and the plan administrator. There are three types of<br />
medical plans available.<br />
Medical Plan Options: Which Plan Is Right for You?<br />
Health Fund<br />
Plan = lower<br />
paycheck<br />
deductions +<br />
help paying your<br />
deductible<br />
Health Fund Plan You pay lower paycheck deductions and a higher deductible,<br />
shifting costs to when you actually use care. You can choose the Health<br />
Reimbursement Account or the Health Savings Account to help you pay for health<br />
care expenses. <strong>Pitney</strong> <strong>Bowes</strong> contributes money to the account, that you can use to<br />
help pay for the deductible.<br />
PPO Plan You pay a higher fixed cost through paycheck deductions regardless of how<br />
much care you use. You can choose the Health Care Account to help you pay for health<br />
care expenses.<br />
HMO Plan You pay a higher fixed cost through paycheck deductions regardless of<br />
how much care you use. Coverage is limited to inside the HMO network (except in<br />
certain emergencies). The HMO option is available only in certain states.* You can<br />
choose the Health Care Account to help you pay for health care expenses.<br />
*If you live in certain parts of CA, CO, GA, HI, OR, WA or the Mid-Atlantic area, you have an HMO option with Kaiser and/or<br />
Group Health Cooperative.<br />
If you live outside the service area for Cigna, UHC, and an HMO, your medical plan option is the Out-of-Area Plan. You will<br />
receive separate details on the plan or you can visit www.pbprojectliving.com.<br />
Take time to consider your needs, your budget and what’s most important to you—like<br />
monthly paycheck deductions, flexibility in providers and out-of-pocket costs—before<br />
you choose your medical plan.<br />
PROVIDER FLEXIBILITY<br />
Low<br />
High<br />
MONTHLY PAYCHECK DEDUCTIONS (no matter how much care you need)<br />
Low<br />
POTENTIAL OUT-OF-POCKET COSTS (when you need care)<br />
High<br />
HEALTH FUND<br />
PPO<br />
HMO<br />
Low<br />
High<br />
8<br />
Need a little more help choosing your plan? Online decision tools can help you estimate<br />
costs, find out if your doctors are in the network and more. See page 26 for details.
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