Presentation on theme: "International Teams - Stateside Effective July 1, 2013."— Presentation transcript:
International Teams - Stateside Effective July 1, 2013
Agenda Introduction to GuideStone Medical plans Resources and helpful tips for your family How to enroll
GuideStone’s ministry is serving you Our insurance plans give you value and share your Christian values Serving ministry employees for 94 years Industry-leading provider networks One of the four agencies of the Southern Baptist Convention Service is at the core of who we are ◦ Free wellness and educational resources for your family ◦ Discounts on medical care and prescription drugs ◦ Invested in your ministry’s — and your family’s — well-being
GuideStone brings together best-in-class Medical Benefits Prescription Drug Benefits
Best-in-Class: Highmark Blue Cross Blue Shield One of the largest provider networks in the country with more than 90% of doctors and 80% of physicians Expansive network affords GuideStone participants provider discounts of often more than 50% Dedicated customer service line for GuideStone participants 5
Best-in-Class: Express Scripts Listed at number 60 on Fortune 500 list for 2012 Price a medication online and compare retail to mail-order before you buy Save money through the online Pharmacy ® 6
Health Choice 2000 Highmark BCBS National PPO Network
Health Choice 2000 Prescription Benefits *If a preferred or non-preferred drug is purchased when a generic is available, you must pay the generic co- payment and the difference in cost between the preferred/non-preferred drug and its generic equivalent.
Health Saver 3000 High Deductible Medical Plan (federally-qualified)
What is a federally- qualified HDHP? Plan design defined by federal government Designed to be paired with a Health Savings Account (HSA) Participants must first meet the deductible, then medical or prescription drug claims are paid by GuideStone Exception: Eligible, in-network preventive care covered at 100% (not subject to deductible)
Health Saver 3000 Highmark BCBS National PPO Network *Your deductible is met by both medical and prescription drug expenses.
Health Saver 3000 Prescription benefits 1 If a preferred or non-preferred drug is purchased when a generic is available, the cost difference between the preferred/non-preferred drug and its generic equivalent will not apply to the participant’s deductible or out-of-pocket expenses. After the deductible is met, the participant must pay the cost difference between the preferred/non-preferred drug and its generic equivalent if available.
Resources and helpful tips for you and your family
How to Save money with your medical and prescription drug plan You can save money with your medical plan when you: Use in-network providers Get your preventive care (covered at 100%) Compare your provider bills to your Explanation of Benefits (EOB) You can save money with your prescription drug plan when you: Purchase generics when available Use mail order Note: Please have current prescriptions refilled for at least a 30 day supply to support a smooth transition to the new prescription drug plan
Wellness benefit Per Preventive Care Schedule The Preventive Care Schedule is based on recommendations by the CDC and American Cancer Society and includes services required under healthcare reform (PPACA). ◦ Scheduled, in-network services are covered at 100% and are not subject to co-pay, co-insurance or deductible. ◦ Specific recommendations are based on age and gender. ◦ Well-child visits and immunizations are covered up to age 18. ◦ Women’s preventive health services, including approved generic oral contraceptives, gestational diabetes screening and breastfeeding support, are covered. ◦ Expanded immunizations for at-risk patients are covered. Did you know? Three-quarters of American healthcare expenditures are linked to preventable, chronic or lifestyle-related conditions. Regular preventive care and a healthy lifestyle can dramatically reduce your healthcare costs!
How to Find a vision provider www.GuideStoneInsurance.org
How will my lab and x-ray benefits be paid? Highmark BCBS National PPO Network Wellness visit at in-network provider or wellness-related visit to network out-patient hospital or free-standing facility: For covered services, preventive lab and x-ray will be covered at 100%, per the Preventive Care Schedule. X-Ray or lab work during visit to in-network primary care physician: If you visit a network physician and they send the diagnostic x-ray or laboratory work to a facility (either in- or out-of-network) for processing, you’ll pay an office visit co-pay or the applicable office visit charges. Free-standing facility: If you go to a free-standing x-ray or lab facility for diagnostic, you will be charged the deductible and co-insurance. Note: this facility may be adjacent to or within the same suite as your doctor’s office.
Understanding Prescription Drug classifications Generic — Generic prescription drugs are listed by their chemical name. These drugs are similar to brand name drugs with expired patents, which usually means the drug is less expensive. Preferred — Preferred prescription drugs are brand name medications on your formulary. These drugs are commonly prescribed and selected to be on your formulary to help control your plan’s costs. Non-preferred — Non-preferred prescription drugs are not on your formulary. Specialty — Specialty prescription drugs are used to treat complex, chronic or special health conditions.
How to price your medications www.Express-Scripts.com
A new place to learn www.GuideStone.org/LearningCenter Variety of useful topics plus links to your provider websites
How to Enroll Please complete the enrollment form provided by your administrator. You will also find instructions in your enrollment material explaining what to do to access benefits before you receive your ID card. Your benefits administrator will be providing your deadline for enrollment. If you have any questions regarding enrollment/changes of your employee benefits, please notify your benefits administrator
This information only highlights the depth of coverage and benefits you can receive when you protect yourself with GuideStone Financial Resources. Limitations and exclusions apply. This material is a general summary of the plans. The official plan documents and contracts set forth the eligibility rules, limitations, exclusions and benefits. These alone govern and control the actual operation of the plan. In the event of a conflict with the description in this material, the terms of the official plan documents and contracts will control its operation. GuideStone Financial Resources of the Southern Baptist Convention reserves the right to change or cancel these programs at any time. This material does not imply an employment contract or guarantee of benefits. Medical underwriting could be required.