2024 Medic al Plans
Effective January 1, 2024 - December 31, 2024
Blue Cross Blue Shield
Low-deductible plan
HSA Plan
Deductible
$1,000 / $2,000
$3,200 / $6,400
Coinsurance
80% covered by insurance $2,500 / $5,000 Annual Max
80% covered by insurance
$8,150 / $16,300
$6,900 / $13,800
Preventitive care
Covered at 100%
Covered at 100%
Office visit & ER copay
$30 office visit & urgent care $150 ER visit
Deductible + coinsurance
Prescription copay
$10 generic $40 preferred brand $80 non-preferred brand
$10 generic $40 preferred brand $80 non-preferred brand
What is a deductible? The amount of money you will pay for services before Blue Cross starts to pay.
(INDIVIDUAL / FAMILY)
(INDIVIDUAL / FAMILY)
Out-of-pocket maximum (INDIVIDUAL / FAMILY)
What is coinsurance? Once the deductible is met, claim costs are shared between you (20%) and Blue Cross (80%) for innetwork providers
What is considered preventive? Annual physicals/OBGYN appointments, routine mammograms/colonoscopies, well-baby visits, and certain immunizations (i.e. flu shots)
(after deductible)
90-day supply: 3 months for the price of 2 months
Cost
Single: $107.45 Couple: $257.87 Employee + Children: $257.87 Family: $322.34
(PAY PER PERIOD)
Single: $71.60 Couple: $171.84 Employee + Children: $171.84 Family: $214.80
How much does the company pay per month for HSA: Single: $41.67 | Couple / Family: $83.33
2024 Dental Plan
2024 Vision Plan
Lincoln Financial
MetLife
Preventative care
Covered at 100%, up to annual maximum (annual cleanings, x-rays)
Eye exam
$10 (in-network)
Basic dental care
Covered at 90% in-network, after deductible, up to annual maximum (fillings, oral surgery)
Lenses
$25 copay (in-network)
Major dental care
Covered at 60% in-network, after deductible, up to annual maximum (bridges, dentures, implants)
Frames
$135 allowance
Annual maximum
$1,500 per person, per year
Contacts
$135 allowance
Orthodonics
Covered at 50% to a lifetime limit of $1,500 per child, up to age 19
Deductible
Single $25 Family $75
Cost
Single: $6.76 Couple: $12.10 Employee + Children: $14.66 Family: $20.19
(PER PAY PERIOD)
Cost
(PER PAY PERIOD)
20% off the balance over $100
Insurance will cover frames / lenses + contacts once every 12 months
Single: $1.85 Couple: $3.49 Employee + Children: $3.49 Family: $5.12