Answers to Commonly Asked Questions
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What is a deductible?
- It is money you pay out of your pocket for medical treatment, services and prescriptions prior to insurance paying your claim.
What is my Annual Employee Investment?
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Which Plan is the Best Fit for You?
When selecting a medical plan that best fits you and your family, below are some questions to think about:
- Do you or anyone on your plan see a doctor regularly (i.e. primary care, specialist, chiropractor, physical therapist or psychologist)?
- If yes: are the visits monthly, quarterly or annually?
- Do you or anyone on your plan take prescription medication regularly?
- If yes: what is the actual cost of the medication?
If you answered “No” to the above: The High Deductible Plan with HSA may be a great fit for you.
If you answered “Yes” to the above: fore example, you take a monthly prescription medicine that is $12, and you see a chiropractor annually (estimated $25). The Hybrid Plan could suit you best.
What services are considered Preventative Care?
- Adult Physicals
- Well Childcare & Immunizations
- Mammography
- Annual Pap Test & Ob/Gyn Exam
- Immunizations for Adults
- Colonoscopy & Sigmoidoscopy Screening for Adults
- Bone Density Tests
How much do I pay for Preventative Care?
- Preventative Care is covered in full – No deductibles or copays apply.
How can I reduce the cost of my medical coverage?
- Participate in the Curtis Lumber Wellness Program (see details on the Medical Benefits page)
- Review annual employee investment
- Consider alternate plans – different rates for each available plan