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PMG Research, Inc. PMG Research, Inc. 2012 Annual Open Enrollment.

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Presentation on theme: "PMG Research, Inc. PMG Research, Inc. 2012 Annual Open Enrollment."— Presentation transcript:

1 PMG Research, Inc. PMG Research, Inc Annual Open Enrollment

2 PMG Research, Inc. PMG Research, Inc. Medical – Blue Cross/Blue Shield (dual option) Dental – Delta Dental of NC FSA – Process Works HSA – ACS/Mellon Bank Basic Life – USAble Life Voluntary Life, STD and LTD – Principal Life

3 PMG Research, Inc. PMG Research, Inc. Medical – Blue Cross/Blue Shield Dual Option: HSA Plan1-2-3 Plan

4 PMG Research, Inc. PMG Research, Inc. BCBS HSA Plan $2,500 Deductible Plan pays 80% after the Deductible is met Plan pays 100% after the $2,500 Coinsurance Limit is met No office visit copays or prescription drug copays – everything counts towards meeting the Deductible

5 PMG Research, Inc. PMG Research, Inc. BCBS Plan $2,500 Deductible (reduced to $1,750 through MERP) Plan pays 80% after the Deductible for Inpatient Services Plan pays 70% after the Deductible for Outpatient Services Plan pays 100% after the $2,000 Coinsurance Limit is met $20 copay for Primary Care office visits $10/35/50/75% copays for Prescription Drugs

6 PMG Research, Inc. PMG Research, Inc. Blue Cross/Blue Shield Monthly Employee Contributions HSA Plan Plan Employee Only $ $63.97 $150.06$ Employee/Spouse $424.10$ $493.15$ Employee/Child(ren)$263.76$ $413.59$ Employee/Family $701.58$ $777.07$715.98

7 PMG Research, Inc. PMG Research, Inc. Blue Cross/Blue Shield 2012 Employee Contributions Comparison HSA Plan1-2-3 PlanAnnual Difference Employee Only $63.97 $ $ Employee/Spouse $ $ $1, Employee/Child(ren) $ $ $2, Employee/Family $ $ $1,216.68

8 PMG Research, Inc. PMG Research, Inc Employer-Sponsored Reimbursement Accounts HSA Plan FSA PlanAnnual Difference $ $ $360.00

9 PMG Research, Inc. PMG Research, Inc Employer-Sponsored Medical Expense Reimbursement Plan (MERP) Available for Plan participants: The participant pays the first $1,750 of covered medical expenses that are applied to the Deductible. PMG Research, Inc. will reimburse the next $750 of covered medical expenses that are applied to the $2,500 Deductible.

10 PMG Research, Inc. PMG Research, Inc. Which Plan Should I Choose?

11 PMG Research, Inc. PMG Research, Inc. Example #1: $250 claim for annual wellness exam and screening tests (in-network) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $0 Deductible $0 $0 Coinsurance $0 $0 Premium (employee only) $ $1, PMG HSA/FSA Contribution $ $ Net Totals $ $ $906.12

12 PMG Research, Inc. PMG Research, Inc. Example #2: $1,500 miscellaneous claims for in-network office visits with lab work (1 primary and 1 specialist) plus 3 monthly prescriptions (2 generic and 1 preferred brand) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $0 Deductible $1, $ Coinsurance/Copays $0 $ Premium (employee only) $ $1, PMG HSA/FSA Contribution $ $ Net Totals $1, $1, $261.12

13 PMG Research, Inc. PMG Research, Inc. Example #3: $4,000 claim for pre-natal care and delivery (in-network) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $ Deductible $2, $1, Coinsurance $ $ Premium (employee only) $ $1, PMG HSA/FSA Contribution $ $ Net Totals $2, $3, $231.12

14 PMG Research, Inc. PMG Research, Inc. Example #4: $25,000 claim for hip replacement (in-network hospital stay and surgery) HSA Plan1-2-3 PlanDifference Hospital Copay $0 $ Deductible $2, $1, Coinsurance $2, $2, Premium (employee only) $ $1, PMG HSA/FSA Contribution $ $ Net Totals $5, $4, $93.88

15 PMG Research, Inc. PMG Research, Inc. Delta Dental $50 Deductible ($150 per family) $1,500 Annual Maximum benefit Plan pays 100% (no Deductible) for Preventive Services Plan pays 80% after the Deductible for Basic Services Plan pays 50% after the Deductible for Major Services Plan pays 50% for Orthodontia to $1,500 lifetime maximum benefit

16 PMG Research, Inc. PMG Research, Inc. Be sure to review your current elections for: Voluntary STD Voluntary Employee Life Voluntary Dependent Life

17 PMG Research, Inc. PMG Research, Inc. Enrollment Portal: https://www.benedetails.com/?alias=56423


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