Title: The New Fully Insured HRA
1The New Fully Insured HRA Two Card Health
Insurance Program Works
And
High Deductible Major Medical Plan
2The employer purchases 2 insurance policies that
work together to provide employees great medical
health insurance benefits.
3The major medical insurance program has a large
deductible. Thats the amount you are
responsible for before major medical begins
paying benefits.
4Your second insurance policy pays most of your
new large deductible.
5Together, both policies provide great coverage at
an affordable cost.
LOW COST
COVERAGE
6Whenever you use medical services, which apply to
the deductible or co-insurance, you Present BOTH
Cards. There is a toll free 800 number on each
card for medical providers to call to answer any
billing questions
- HOSPITAL
- LAB
- EMERGENCY ROOM
- URGENT CARE
7The Premium Saver Insured HRA Plan covers the
same expenses as the major medical plan except
for the professional fee in a doctors office or
medical clinic or outpatient prescription drugs.
If you have a copay requirement on your major
medical plan, youll still have to pay those at
the time of service.
- EMERGENCY
- OFFICE VISIT
- URGENT CARE
- PRESCRIPTIONS
8The Major Medical and Premium Saver plans will
pay their benefit portions leaving the patient to
pay their portion of the
Deductible Co-insurance Co-pays
PAYMENTS
The employee portion will be the Premium Saver
deductible and coinsurance that the Employer
elects.
9In the mail, you will receive whats called an
explanation of benefits or EOB from your
Major Medical plan AND the Administrator of the
Premium Saver plan.
10Most medical providers will send a copy of your
bill and your EOB to the administrator for you.
The administrator will process both documents to
determine the amount of deductible or
coinsurance you may owe.
11The EOB from the administrator informs you the
deductible or coinsurance amount you may owe. It
should match your final bill from your medical
provider. You pay that amount to your medical
provider as your deductible or coinsurance
responsibility.
12ANY QUESTIONS???
Contact Us George Knox 214-443-1400 george_at_rslins.
com
THIS POLICY PROVIDES SUPPLEMENTAL
COVERAGE.Policy Form SLIC-GAP-P(0405) The policy
contains exclusions and limitations. For a
complete description of the terms and conditions,
please contact your insurance agent.