2009-2010 Employee Health Plan Premiums

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2009-2010 Employee Health Plan Premiums Powered By Docstoc
					                        Employee Contributions
                          Faculty - Deductions Based on 25 pays




                                                                         Geisinger Health Plan



                                                                                                 Keystone Health Plan




                                                                                                                        Keystone Health Plan
                                                                                                 Central HMO
      SINGLE CONTRACT




                                                          Aetna HMO-
                                                          Philadelphia




                                                                                                                                               UPMC HMO
                                            Indemnity




                                                                                                                        East HMO
                             PPOBlue




                                                                         HMO
FULL-TIME EMPLOYEES
Effective 7/2009        $21.92         $25.73           $32.05    $23.44   $26.49    $31.11  $24.60
Non-Participant                                           PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009      $43.84         $51.45                            REQUIRED
PART-TIME EMPLOYEES
Effective 7/2009        $120.56        $141.50
                                                         HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                       EMPLOYEES
Healthy U - 7/2009      $131.52        $154.36




                                                                         Geisinger Health Plan



                                                                                                 Keystone Health Plan




                                                                                                                        Keystone Health Plan
                                                                                                 Central HMO
   TWO-PARTY CONTRACT
                                                          Aetna HMO-
                                                          Philadelphia




                                                                                                                                               UPMC HMO
                                            Indemnity




                                                                                                                        East HMO
                             PPOBlue




                                                                         HMO

FULL-TIME EMPLOYEES
Effective 7/2009        $48.60         $57.04           $70.59    $51.65   $53.93    $63.90  $54.50
Non-Participant                                           PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009      $97.19         $114.07                           REQUIRED
PART-TIME EMPLOYEES
Effective 7/2009        $267.28        $313.70
                                                         HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                       EMPLOYEES
Healthy U - 7/2009      $291.57        $342.22
                                                                         Geisinger Health Plan



                                                                                                 Keystone Health Plan




                                                                                                                        Keystone Health Plan
                                                                                                 Central HMO




      FAMILY CONTRACT
                                                          Aetna HMO-
                                                          Philadelphia




                                                                                                                                               UPMC HMO
                                            Indemnity




                                                                                                                        East HMO
                             PPOBlue




                                                                         HMO




FULL-TIME EMPLOYEES
Effective 7/2009        $59.56         $69.90           $86.62    $63.37   $78.22    $88.37  $66.80
Non-Participant                                           PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009      $119.11        $139.80                           REQUIRED
PART-TIME EMPLOYEES
Effective 7/2009        $327.56        $384.45
                                                         HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                       EMPLOYEES
Healthy U - 7/2009      $357.33        $419.40
                          Employee Contributions
                            Faculty - Deductions Based on 20 pays




                                                                              Geisinger Health Plan



                                                                                                      Keystone Health Plan



                                                                                                                             Keystone Health Plan
                                                                                                      Central HMO
       SINGLE CONTRACT




                                                               Aetna HMO-
                                                               Philadelphia




                                                                                                                                                    UPMC HMO
                                                 Indemnity




                                                                                                                             East HMO
                                  PPOBlue




                                                                              HMO
FULL-TIME EMPLOYEES
Effective 7/2009            $27.40          $32.16           $40.07 $29.30 $33.11       $38.89 $30.75
Non-Participant                                               PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009          $54.80          $64.32                           REQUIRED
PART-TIME EMPLOYEES
Effective 7/2009            $150.70         $176.87
                                                              HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                            EMPLOYEES
Healthy U - 7/2009          $164.40         $192.95




                                                                              Geisinger Health Plan



                                                                                                      Keystone Health Plan



                                                                                                                             Keystone Health Plan
                                                                                                      Central HMO
     TWO-PARTY CONTRACT
                                                               Aetna HMO-
                                                               Philadelphia




                                                                                                                                                    UPMC HMO
                                                 Indemnity




                                                                                                                             East HMO
                                  PPOBlue




                                                                              HMO
FULL-TIME EMPLOYEES
Effective 7/2009            $60.74          $71.30           $88.24 $64.56 $67.42       $79.87 $68.13
Non-Participant                                               PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009          $121.49         $142.59                          REQUIRED
PART-TIME EMPLOYEES
New - 7/2009                $334.10         $392.13
                                                              HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                            EMPLOYEES
Healthy U - 7/2009          $364.47         $427.78
                                                                              Geisinger Health Plan



                                                                                                      Keystone Health Plan



                                                                                                                             Keystone Health Plan
                                                                                                      Central HMO




       FAMILY CONTRACT
                                                               Aetna HMO-
                                                               Philadelphia




                                                                                                                                                    UPMC HMO
                                                 Indemnity




                                                                                                                             East HMO
                                  PPOBlue




                                                                              HMO




FULL-TIME EMPLOYEES
Effective 7/2009            $74.44          $87.38           $108.28 $79.21 $97.78 $110.47 $83.50
Non-Participant                                                PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009          $148.89         $174.75                           REQUIRED
PART-TIME EMPLOYEES
Effective 7/2009            $409.44         $480.57
                                                              HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                            EMPLOYEES
Healthy U - 7/2009          $446.67         $524.25
                             Employee Contributions
                   Managers, SPFPA and Nurses - Deductions Based on 26 pays




                                                                                Geisinger Health Plan




                                                                                                                               Keystone Health Plan
                                                                                                        Keystone Health Plan
                                                                                                        Central HMO
     SINGLE CONTRACT




                                                                 Aetna HMO-
                                                                 Philadelphia




                                                                                                                                                      UPMC HMO
                                                   Indemnity




                                                                                                                               East HMO
                                    PPOBlue




                                                                                HMO
FULL-TIME EMPLOYEES
Effective 7/2009              $21.08          $24.74           $30.82    $22.54    $25.47   $29.91   $23.66
Non-Participant                                                   PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009            $42.15          $49.48                             REQUIRED
PART-TIME EMPLOYEES
Effective 7/2009              $115.92         $136.06
                                                                   HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                                 EMPLOYEES
Healthy U - 7/2009            $126.46         $148.43




                                                                                Geisinger Health Plan




                                                                                                                               Keystone Health Plan
                                                                                                        Keystone Health Plan
                                                                                                        Central HMO
   TWO-PARTY CONTRACT
                                                                 Aetna HMO-
                                                                 Philadelphia




                                                                                                                                                      UPMC HMO
                                                   Indemnity




                                                                                                                               East HMO
                                    PPOBlue




                                                                                HMO

FULL-TIME EMPLOYEES
Effective 7/2009              $46.73          $54.84           $67.88    $49.66    $51.86   $61.44   $52.41
Non-Participant                                                   PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009            $93.45          $109.69                            REQUIRED
PART-TIME EMPLOYEES
New - 7/2009                  $257.00         $301.64
                                                                   HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                                 EMPLOYEES
Healthy U - 7/2009            $280.36         $329.06
                                                                                Geisinger Health Plan



                                                                                                        Keystone Health Plan




                                                                                                                               Keystone Health Plan
                                                                                                        Central HMO




     FAMILY CONTRACT
                                                                 Aetna HMO-
                                                                 Philadelphia




                                                                                                                                                      UPMC HMO
                                                   Indemnity




                                                                                                                               East HMO
                                    PPOBlue




                                                                                HMO




FULL-TIME EMPLOYEES
Effective 7/2009              $57.26          $67.21           $83.29    $60.93    $75.21   $84.97   $64.23
Non-Participant                                                   PARTICIPATION IN WELLNESS PROGRAM NOT
Healthy U - 7/2009            $114.53         $134.42                            REQUIRED
PART-TIME EMPLOYEES
Effective 7/2009              $314.96         $369.67
                                                                   HMO COVERAGE NOT OFFERED TO PART-TIME
Non-Participant                                                                 EMPLOYEES
Healthy U - 7/2009            $343.59         $403.27
                               Employee Contributions
                                 Non-Faculty Athletic Coaches




                                                                                       Geisinger Health Plan




                                                                                                                                      Keystone Health Plan
                                                                                                               Keystone Health Plan
                                                                                                               Central HMO
                                                                        Aetna HMO-
                                                                        Philadelphia




                                                                                                                                                             UPMC HMO
                                                         Indemnity




                                                                                                                                      East HMO
                                          PPOBlue




                                                                                       HMO
FULL-TIME EMPLOYEES
Single, Two-Party and Family Contracts
Effective 7/2009                    1% of salary
Non-Participant                                                         PARTICIPATION IN WELLNESS PROGRAM NOT
                                    2% of salary
Healthy U - 7/2009                                                                     REQUIRED
PART-TIME EMPLOYEES
                                                                       HMO COVERAGE NOT OFFERED TO PART-TIME
Single
                                                                                    EMPLOYEES
Effective 7/2009                $105.38             $123.69
Two-Party
                                                                     Plus 1% for employees participating in Healthy U OR
Effective 7/2009                $233.63             $274.22
                                                                              2% if Non-Participant in Healthy U
Family
Effective 7/2009                $286.32             $336.06
   Pennsylvania State System of Higher Education Group Health Program
                   2009 - 2010 Health Plan Comparison
                                    Highmark PPOBlue (Preferred Provider               Health Maintenance Organization (HMO)
                                                Organization)
                                     In-Network              Out-of-Network
General Features            In-network providers        Services performed by      Payment in full to participating providers for
                            accept Highmark             out-of-network             medically necessary surgery, diagnostic services
                            allowance as payment        providers are paid at      and inpatient services. Services must be authorized
                            in full.                    80% of allowance after     by HMO primary care physician. Covered services
                                                        a deductible. Providers    vary by HMO. No payment for services out of the
                                                        can bill employees for     HMO network. Must select a primary care
                                                        charges above              physician.
                                                        allowances.
                            Covers medically necessary surgery, diagnostic
                            services, therapy, inpatient services and preventive
                            benefits. Not necessary to select a primary care
                            physician.
Deductibles                 No deductible.              $250 per person/$500       No deductible.
                                                        per family deductible
                                                        per year.
Co-payments and/or Co-      $15 for office visits and   After deductible,          $2 to $15 for primary care physician visit. Co-
Insurance                   for physical, speech and    employee pays 20%          payments for other services vary by HMO.
                            occupational therapy        until $1500 per
                            and chiropractic visits.    person/$3000 per
                                                        family out-of-pocket
                                                        maximum is paid.
Lifetime Maximum            Unlimited.                  $1,000,000/person.         Unlimited.
Physical Exams and Health   $15 office visit co-    Employee pays 20%              Preventive care is covered after office visit co-
Guidance                    payment. Includes       after deductible for           payment and includes routine physical
                            routine physical        adult and pediatric            examinations for adults and children, pediatric
                            examinations for adults exams and certain              immunizations, gynecological exams and Pap test.
                            and children along with preventive care.               Diagnostic screenings vary by HMO.
                            certain diagnostic      Deductibles do not
                            screenings. Pediatric   apply for gynecological
                            immunizations,          exams, Pap tests, and
                            gynecological exams     pediatric
                            and Pap tests are       immunizations.
                            covered.
Emergency Room Services     $50 co-payment. Co-payment waived if admitted.         Co-payments vary by HMO. Covered if considered
                                                                                   a medical emergency as defined by the HMO. Co-
                                                                                   payment may be waived if admitted.
Mental Health-Inpatient     30 days per calendar        Employee pays 20%          Coverage varies by HMO. See HMO literature.
                            year.                       after deductible. 30
                                                        days per calendar year
                                                        plus 30 more if serious
                                                        mental illness.
Mental Health-Outpatient    $15 office visit; 60 visits Employee pays 50%
                            per calendar year.          after deductible. 60
                                                        visits per calendar year.
Prescription Drug           No deductible; $0/$15/$30 co-payment for 30-day supply at retail; $0/$30/$60 co-payment for 90-day
Coverage-same for all       supply through mail order.
plans
                                    Plan Service Areas and Contacts
        PPOBLUE                                Offered in all counties in Pennsylvania
(866) 727-4935
www.highmarkblueshield.com
AETNA HMO                                      Offered in the following counties (Plan name in parenthesis):
(800) 323-9930                                      (Philadelphia) Bucks, Chester, Delaware, Lehigh, Montgomery,
www.aetna.com                                            Northampton and Philadelphia
GEISINGER HEALTH PLAN HMO                      Offered in the following counties:
(800) 631-1656 Pre-enrollment questions        Adams, Bedford , Berks, Blair, Bradford, Cambria, Cameron, Carbon, Centre,
(800) 447-4000 Current members                 Clearfield, Clinton, Columbia, Cumberland, Dauphin, Elk , Huntingdon, Jefferson,
www.thehealthplan.com                          Juniata, Lackawanna, Lancaster, Lebanon, Lehigh, Luzerne, Lycoming, Mifflin,
                                               Monroe, Montour, Northampton, Northumberland, Perry, Pike, Potter, Schuylkill,
                                               Snyder, Somerset, Sullivan, Susquehanna, Tioga, Union, Wayne, Wyoming and York
                                                DENOTES PARTIAL COUNTY
KEYSTONE HEALTH PLAN CENTRAL                   Offered in the following counties:
HMO                                            Adams, Berks, Centre, Columbia, Cumberland, Dauphin, Franklin, Fulton, Juniata,
(800) 669-7061                                 Lancaster, Lebanon, Lehigh, Mifflin, Montour, Northampton, Northumberland, Perry,
                                               Schuylkill, Snyder, Union and York
www.capbluecross.com
KEYSTONE HEALTH PLAN EAST HMO                  Offered in the following counties:
(215) 241-3400                                 Berks, Bucks, Chester, Delaware, Lancaster, Lehigh, Montgomery, Northampton and
www.ibx.com                                    Philadelphia
UPMC HMO                                       Offered in the following counties:
(800) 644-1046 Pre-enrollment questions        Allegheny, Armstrong, Beaver, Bedford, Blair, Butler, Cambria, Cameron, Clarion,
(888) 876-2756 Current members                 Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene, Indiana, Jefferson, Lawrence,
www.upmchealthplan.com                         McKean, Mercer, Potter, Somerset, Venango, Warren, Washington and
                                               Westmoreland
PRESCRIPTION DRUG – MEDCO                      Offered in all counties in Pennsylvania
HEALTH (included with all medical
plans)
(866) 727-4935 (Highmark Customer Service
number)
www.highmarkblueshield.com


      HIPAA PRIVACY NOTICE
 As required by the Health Insurance
 Portability and Accountability Act (HIPAA),
 the Pennsylvania State System of Higher
 Education is required to notify employees
 of the availability of the HIPAA Privacy
 Notice. A copy of the HIPAA Privacy Notice
 can be obtained from your Human
 Resources Office.