Changes for

1
Changes for 08

• National Park Community College

2
Changes for 08

• Health Insurance
• Benefit Enhancements
• Benefit Changes

3
Changes to ARHealth

• Restructuring of Benefit Options with fewer
  plans2 Plan Options instead of 4
• ARHealth ARHealth HD PPO
• No HMO, POS or PPO
• 2 Benefit Coordinators instead of 4
• Health Advantage NovaSys Health
• No Blue Cross Blue Shield or QualChoice

4
Changes to ARHealth

• POS Style Plan The structure of an HMO with
  the choice of a PPO
• No deductible
• Co-pays are primary method of payment
• Primary Care Physician is Recommended but not
  Required
• Greatly Expanded Networks
• No Referrals Required
• Out-of-Network Coverage
• (may be subject to Balance Bill)

5
Is There Another Option?

• ARHealth HD PPO
• Offered thru the NovaSys Health Network
• Deductible co-insurance is primary method to
  pay for medical services
• Open Access PPO plan
• Significantly Lower premium
• Healthy Employee only coverage less than 5 per
  payroll
• Not right for everybody

6
What are the Options for 08?

• ARHealth
• Health Advantage Network
• NovaSys Health Network
• ARHealth HD PPO
• NovaSys Health Network

7
Benefit Enhancements

• Additional vaccines immunizations have
• been added to the Wellness/Preventative Care
• benefits, including Gardasil (females ages 926)
• and Zostavax Vaccine (adults age 60 over).
• Out-Patient Rehabilitation services coinsurance
• reduced from 20 to 10.
• New Utilization and Case Management Services
• will be provided.
• Enhanced TMJ/TMD Coverage

8
Benefit Changes

• Copayments for Specialist Office Visit were
• increased to 35 and Physician Office visits
  were increased to 25.
• Preferred (Tier II) Prescription Copayments were
  increased to 30 and the Non-Preferred (Tier III)
• Prescription Copayments were increased to 60
• Out-Patient Radiology Services has a 250
• copayment along with a 10 coinsurance. These
• fees would apply for radiology services such as
• MRI, CT, MRA, and PET Scans. It will not apply
  to
• simple x-rays.

9
Benefit Changes

• Annual Coinsurance limit has been increased for
  the family to 2,000.
• Coinsurance increased to 10 for many
• In-Network services and to 40 for most
• Out-of-Network services.
• Preventative services for dental and vision are
• no longer available

10
Questions ? ?