Zachry Corporation Benefits Buzz Q1 2018
Understand Your Medical Deductibles
Understanding when and how to pay for your medical care can cause confusion. Here we break down the cost for in-network medical office visits and prescriptions if you are enrolled in the Zachry PPO plan or the High-Deductible Health Plan (HDHP).
Before you meet your deductible: On the PPO plan, you pay
20
%
Scan this QR code on your smart phone to watch a video comparing a PPO plan with an HDHP. Use your PayFlex health care flexible spending account (FSA) debit card. Check your balance by logging in to www.payflex.com or using the PayFlex mobile app.
of the cost
for an in-network medical office visit or the prescription copay
On the HDHP, you pay
100%of the cost
for an in-network medical office visit or prescription
After you meet your deductible: You CONTINUE to pay
20%of the cost
for an in-network medical office visit or the prescription copay
NOW you pay only
20%of the cost
Your 2018 in-network annual deductibles are: • PPO plan = $500 (individuals) or $1,500 (family coverage) • HDHP = $2,700 (individuals) or $6,000 (family coverage) You can find out how close you are to meeting your annual deductible by logging in to www.bcbstx.com or using the BCBSTX mobile app.
Use your Fidelity health savings account (HSA) debit card if funds are available. Check your HSA balance by logging in to www.netbenefits.com or using the Fidelity mobile app.
for an in-network medical office visit or prescription
Please refer to the plan documents and policies for all of the terms, coverages, exclusions, limitations and conditions of the actual contract language.
BlueCross BlueShield of Texas (BCBSTX) gives you and your covered dependents access to care for non-emergency medical issues through MDLIVE. The cost per virtual visit is less than a trip to the urgent care! To register, call (888) 680-8646, visit www.MDLIVE.com/bcbstx or download the MDLIVE mobile app.
Schedule Your Annual Physical We want you to take care of your health, which starts with an annual physical exam. Preventive care is not only covered at 100% in network for anyone enrolled in a Zachry medical plan, but it also helps to: • Prevent health problems. Annual physicals allow your doctor to review any changes that have occurred over the last year and help you identify risk factors that could lead to future health problems as well as offer expert advice on how to manage them. • Strengthen the relationship between you and your doctor. People who have established a relationship with their doctors are more likely to see them regulary, be honest with them and listen to their advice. • Establish baselines. Getting a routine physical can establish a baseline to aid you and your doctor in making future decisions. • Update vaccinations. Staying up-to-date on your vaccinations is an important way to prevent disease. To find a doctor in the BCBSTX network, visit www.bcbstx.com > Find a Doctor or Hospital within the PPO Choice (BCA) network, or download the BCBSTX mobile app.