1. NETWORK CHANGE – BENEFITS OPEN FORUM

2. EVOLUTION OF THE NETWORK
Current
2 Separate Networks
OSF Direct Access Network – 192 Employees
Cottage (HFN) Network – 117 Employees
BENEFITS OPEN FORUM

3. EVOLUTION OF THE NETWORK
2017
One Network – Blue Cross Blue Shield of IL
85% of Doctors and Hospitals Nationwide
OSF St Mary’s In-Network
Cottage Hospital Billed as if in-network
97-99% Success Rate resolving customer service issues with the first phone call
Deeper Hospital Discounts
Greater savings for employees
BENEFITS OPEN FORUM

4. COTTAGE HOSPITAL BCBS WAIVER PROGRAM

5. COTTAGE HOSPITAL BCBS WAIVER PROGRAM
If service provided is covered under health plan, Cottage Hospital will waive the difference between in-network and out-of-network benefits.
Employee is only responsible for in-network deductibles or co-insurance
BENEFITS OPEN FORUM

6. COTTAGE HOSPITAL BCBS WAIVER PROGRAM
Adjustments only include items billed by Cottage Hospital
Physicians, anesthesiologists, and ER doctors bill separately
Most are in-network with Blue Cross Blue Shield
BENEFITS OPEN FORUM

7. HIGH DEDUCTIBLE EXHIBIT
Birth at Cottage Hospital - High Deductible Family
Cost
Employee Portion
Physician
$3,000
$2,600 (Family Deductible)+ $40 (10% Coinsurance )
Hospital
$4,000 mother
$400 (10% coinsurance)
$1,000 baby
$100 (10% coinsurance)
Anesthesiologist
$1,000
Total Out of Pocket
$3,240
Total In-Network Deductible Met
$2,600
Total Out of Network Deductible Met
$5,000
Total towards Out of Pocket Max
$2,740
BENEFITS OPEN FORUM

8. HIGH DEDUCTIBLE EXHIBIT
Birth at OSF Hospital - High Deductible Family
Cost
Employee Portion
Physician
$3,000
$2,600 (Family Deductible)+ $40 (10% Coinsurance )
Hospital
$4,000 mother
$400 (10% coinsurance)
$1,000 baby
$100 (10% coinsurance)
Anesthesiologist
$1,000
Total Out of Pocket
$3,240
Total In-Network Deductible Met
$2,600
Total Out of Network Deductible Met $0
Total towards Out of Pocket Max
BENEFITS OPEN FORUM

9. Birth at Cottage Hospital – PPO Family
PPO EXHIBIT
Birth at Cottage Hospital – PPO Family
Cost
Employee Portion
Physician
$3,000
$1,500 (Family Deductible)+ $150 (10% Coinsurance )
Hospital
$4,000 mother
$400 (10% coinsurance)
$1,000 baby
$100 (10% coinsurance)
Anesthesiologist
$1,000
Total Out of Pocket
$2,250
Total In-Network Deductible Met
$1,500
Total Out of Network Deductible Met
$5,000
Total towards Out of Pocket Max
$1,750
BENEFITS OPEN FORUM

10. Birth at OSF Hospital – PPO Family
PPO EXHIBIT
Birth at OSF Hospital – PPO Family
Cost
Employee Portion
Physician
$3,000
$1,500 (Family Deductible)+ $150 (10% Coinsurance )
Hospital
$4,000 mother
$400 (10% coinsurance)
$1,000 baby
$100 (10% coinsurance)
Anesthesiologist
$1,000
Total Out of Pocket
$2,250
Total In-Network Deductible Met
$1,500
Total Out of Network Deductible Met $0
Total towards Out of Pocket Max
BENEFITS OPEN FORUM

11. QUESTIONS?