MEDICAL
PLAN OVERVIEW
Mary Free Bed is proud to offer services to our employees within our facilities. The plan overviews below outline how much you will pay out of pocket for services administered by Mary Free Bed and designated providers, as well as other in-network providers.
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Plan 1 |
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| MARY FREE BED & DESIGNATED PROVIDERS |
OTHER IN-NETWORK PROVIDERS | |||
| Annual deductible (individual/family) | $1,700/$3,400 |
$2,000/$4,000 | ||
| Deductible Type | Aggregate |
Aggregate | ||
| Coinsurance | 10% |
20% | ||
| Annual Out-of-Pocket Maximum (individual/family) |
$2,500/$5,000 |
$5,000/$10,000 | ||
| Preventative & Wellness Care | Covered 100% |
Covered 100% | ||
| Virtual Visit | 20% after deductible |
20% after deductible | ||
| Primary Care Office Visit | 0% after deductible |
20% after deductible | ||
| Specialist Visit | 0% after deductible |
20% after deductible | ||
| Urgent Care Visit | 20% after deductible |
20% after deductible | ||
| EMPLOYEE BI-WEEKLY CONTRIBUTIONS | ||||
| FTE 0.75-1.0 | PTE 0.5-.0.74 | |||
| Mary & Me Participant |
Non-Mary & Me Participant |
Mary & Me Participant |
Non-Mary & Me Participant |
|
| Employee Only | ||||
| Employee + Spouse | ||||
| Employee + Child(ren) | ||||
| Employee + Family | ||||
|
Plan 2 |
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| MARY FREE BED & DESIGNATED PROVIDERS |
OTHER IN-NETWORK PROVIDERS | |||
| Annual deductible (individual/family) | $500/$1,000 | $1,000/$2,000 | ||
| Deductible Type | Embedded | Embedded | ||
| Coinsurance | 10% |
20% | ||
| Annual Out-of-Pocket Maximum (individual/family) |
$2,500/$5,000 |
$6,350/$12,700 | ||
| Preventative & Wellness Care | Covered 100% |
Covered 100% | ||
| Virtual Visit | $25 copay | $25 copay | ||
| Primary Care Office Visit | $25 copay | $25 copay | ||
| Specialist Visit | $40 copay | $40 copay | ||
| Urgent Care Visit | $75 copay | $75 copay | ||
| EMPLOYEE BI-WEEKLY CONTRIBUTIONS | ||||
| FTE 0.75-1.0 | PTE 0.5-.0.74 | |||
| Mary & Me Participant |
Non-Mary & Me Participant |
Mary & Me Participant |
Non-Mary & Me Participant |
|
| Employee Only | ||||
| Employee + Spouse | ||||
| Employee + Child(ren) | ||||
| Employee + Family | ||||
A preferred provider organization (PPO) is a health plan that has contracts with a network of preferred providers from which you can choose. With a PPO plan, you have the flexibility of visiting “in-network" or “out-of-network" providers. However, utilizing in-network providers is a much cheaper option than that of out-of-network providers. You do not need to select a primary care physician (PCP) and you do not need referrals to see a specialist.
A high-deductible health plan (HDHP) is a health plan with a higher deductible than a traditional insurance plan. The monthly premium is usually lower, but you pay more health care costs yourself before the insurance company starts to pay its share (also called your deductible). An HDHP can be combined with a health savings account (HSA), for you to pay for certain medical expenses with money you set aside in your tax-free HSA. This is why it’s more commonly called an HSA-eligible plan.