Hourly Enrollment Guide - Pitney Bowes Project

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Medical Plan Options All of our medical plans provide you with preventive care and comprehensive coverage to protect you in case of a serious accident or illness. All plans include prescription drug and behavioral health coverage. The key differences are how you pay for services during the year and the plan administrator. There are three types of medical plans available. Medical Plan Options: Which Plan Is Right for You? Health Fund Plan = lower paycheck deductions + help paying your deductible Health Fund Plan You pay lower paycheck deductions and a higher deductible, shifting costs to when you actually use care. You can choose the Health Reimbursement Account or the Health Savings Account to help you pay for health care expenses. <strong>Pitney</strong> <strong>Bowes</strong> contributes money to the account, that you can use to help pay for the deductible. PPO Plan You pay a higher fixed cost through paycheck deductions regardless of how much care you use. You can choose the Health Care Account to help you pay for health care expenses. HMO Plan You pay a higher fixed cost through paycheck deductions regardless of how much care you use. Coverage is limited to inside the HMO network (except in certain emergencies). The HMO option is available only in certain states.* You can choose the Health Care Account to help you pay for health care expenses. *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 Group Health Cooperative. 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 receive separate details on the plan or you can visit www.pbprojectliving.com. Take time to consider your needs, your budget and what’s most important to you—like monthly paycheck deductions, flexibility in providers and out-of-pocket costs—before you choose your medical plan. PROVIDER FLEXIBILITY Low High MONTHLY PAYCHECK DEDUCTIONS (no matter how much care you need) Low POTENTIAL OUT-OF-POCKET COSTS (when you need care) High HEALTH FUND PPO HMO Low High 8 Need a little more help choosing your plan? Online decision tools can help you estimate costs, find out if your doctors are in the network and more. See page 26 for details.
Medical Plan Administrators: Provider Networks and Features You will also need to choose a plan administrator. You have a few options depending on the type of plan you want and where you live. Which one is right for you? UHC Cigna Kaiser/ Group Health Cooperative Medical plan administrator determines your provider network and support services Health Fund, PPO and Out-of-Area • Cancer support from oncology nurses and cancer centers of excellence • myuhc.com mobile to access while you’re on the go • Dedicated Latino and Asian-American Health Solutions units • Treatment cost estimator and hospital comparison tool • Support for healthy living with many tools for wellness, exercise, weight loss and nutrition Health Fund and PPO • 24 hours a day, 7 days a week customer service center • Free second opinion program with Cleveland Clinic • Support programs for managing ongoing conditions • mycigna.com mobile to access while you’re on the go • Support for healthy living with many tools for wellness, exercise, weight loss and nutrition HMO • A health plan, doctors, lab and pharmacy in one facility • A team of doctors, specialists and technicians to help you get well and stay well • Doctors connected to you by email for appointments, Rx refill orders and test results • Same-day, after hours and weekend appointments available at many facilities Change your medical plan without changing your doctor. Health Fund vs. PPO? Both have the same network options, which means you can save money by moving from the PPO to the Health Fund without changing your network and doctors. Learn more about how the medical plans work > 9
Page 1: 2013 Benefits Enrollment Guide FOR
Page 4 and 5: The Basics: Eligibility, Whom You C
Page 6 and 7: Your Path to Good Health Our health
Page 10 and 11: Medical Plan: Highlights This chart
Page 12 and 13: Health Accounts A Health Account ca
Page 14 and 15: How the Health Accounts Work with Y
Page 16 and 17: PB Healthy Rewards Incentive Progra
Page 18 and 19: Dental Coverage Dental coverage hel
Page 20 and 21: Life, Accident, Disability and Crit
Page 22 and 23: More Pitney Bowes Benefits Pitney B
Page 24 and 25: More Pitney Bowes Benefits 401(k) P
Page 26 and 27: How to Enroll and Important Reminde
Page 29 and 30: Benefits Contact Information When y

Hourly Enrollment Guide - Pitney Bowes Project

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