physicians health plan
You must be considered at least 80% to qualify for health insurance.
Update for 2020-2021:
You will now have the option of choosing a PPO or HMO plan.
Both plans have the same coverage as you have now in terms of deductibles, coinsurance, out of pocket medical and services.
However, with the HMO plan we are able to maintain the same level of employee contribution as you have now.
If you choose to stay with the current PPO plan we will need to increase your employee contribution for the coverage.
So, what is the difference between PPO and HMO plans?
· PPO (Preferred Provider Organization) allows you to use providers in or out of the PHP network without referrals.
· HMO (Health Maintenance Organization) requires you to use providers in the PHP network and have referrals from your designated primary care physician to see other doctors.
The HMO option is allowing LCS to deliver the same benefits we currently have at the same cost to you by utilizing PHP HMO member doctors. This is the first change or adjustment to health insurance at LCS in several years. However, we understand that some of you (or your family members) may be utilizing doctors that are not part of the HMO and therefore we wanted to continue the PPO option
As mentioned, the HMO’s cost to you will be the same as the PPO has been. If you choose to remain with the PPO plan the payroll deductions, per paycheck will increase effective January 1, 2021.
HMO PPO
Single $70 $95
Double $155 $205
Family $175 $245
(cost is per pay period)
summary_of_benefits___coverage.pdf | |
File Size: | 774 kb |
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HMO forms
php_enrollment____change_of_status_form.pdf | |
File Size: | 2371 kb |
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enrollment.pdf | |
File Size: | 119 kb |
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Prescription Benefits
2011_benefits_summary_php_rx.pdf | |
File Size: | 30 kb |
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Insurance Plan in Coordination with HRA
The LCS insurance is a high deductible plan. In order to minimize out of pocket costs for employees the school has an Health Reimbursement Agreement (HRA) that reimburses employees for the medical expenses incurred up to the deductible. The attachment is a Flow Chart of this process.
how_lcs_health_insurance_works.pdf | |
File Size: | 24 kb |
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