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									   The New Fully Insured HRA
“Two Card” Health Insurance Program
              Works

                       And

                  High Deductible
                 Major Medical Plan
The employer purchases 2 insurance policies
that work together to provide employees great
medical health insurance benefits.
The major medical insurance program has a large
deductible. That’s the amount you are responsible for
before major medical begins paying benefits.
Your second insurance policy pays most of
your new large deductible.
Together, both policies provide great
coverage at an affordable cost.

   C                                    L
   O                                    O
   V                                    W
   E
   R                                    C
   A                                    O
   G                                    S
   E                                    T
Whenever 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
The Premium Saver Insured HRA Plan covers the same expenses as
the major medical plan except for the professional fee in a doctor’s
office or medical clinic or outpatient prescription drugs. If you have
a copay requirement on your major medical plan, you’ll still have to
pay those at the time of service.



• EMERGENCY
• OFFICE VISIT
• URGENT CARE
• PRESCRIPTIONS
The 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



  The employee portion will be the Premium Saver
  deductible and coinsurance that the Employer elects.
In the mail, you will receive what’s called an “explanation of
benefits” or “EOB” from your Major Medical plan AND the
Administrator of the Premium Saver plan.
Most 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.
The 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.
ANY QUESTIONS???
    Contact Us
   George Knox
  214-443-1400
george@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.

								
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