医疗和处方计划
The University of Idaho offers two medical plans administered by Blue Cross of Idaho. Benefit-eligible employees may choose between:
- High Deductible 健康 Plan (HDHP) with 健康储蓄帐户(HSA)
- 标准PPO with 健康 Care Flexible Spending Account (FSA)
两个计划都包括:
- In-network preventive care at 100%. View covered preventative/wellness services
- Prescription drugs (plan administered by CVS Caremark)
- Mental health 和 substance abuse treatment
- Both plans utilize the Blue Cross of Idaho PPO network of providers. 寻找供应商
请参阅 医疗概览表 和 员工的贡献 for a side-by-side comparison of the coverage 和 costs for the two plans.
Prescription Discount Cards, Manufacturer’s Coupons & 退税
使用折扣卡, manufacturer’s coupon or rebate may cause you to receive improper benefits 和 potentially even commit fraud if you accumulate expenses towards your deductible or out-of-pocket maximum that you did not actually pay out of pocket when using the University of Idaho Medical Program.
It is YOUR responsibility to advise Blue Cross of Idaho so an adjustment can be made to your deductible 和 out-of-pocket accumulators appropriately. You can do this by calling the customer service number listed on the back of your member ID card. All applicable claims will be re-adjudicated 和 you will be responsible for amounts that were incorrectly applied toward your deductible 和/or out-of-pocket maximum.
标准PPO
This is a traditional PPO plan. 访问 any provider you wish; pay less when you visit an in-network provider.
For doctor’s office visits, you pay a copayment. For all other covered services, you must first satisfy the deductible 和 then pay coinsurance until you satisfy the cost-share maximum.
- View information on the Flexible Spending Accounts below.
- 视图PPO 利益摘要
A 健康 Care Flexible Spending Accounts help you save money on eligible out-of-pocket health care expenses. Additional information is available in 健康 Care Spending Accounts.
A Dependent Care Spending Account helps you pay for care of your eligible dependents. Additional information is available in 健康 Care Spending Accounts.
High-Deductible 健康 Plan (HDHP) with 健康储蓄帐户(HSA)
The HDHP is an open access plan. See any provider you choose, either in- or out-of-network. However, receive discounted rates 和 pay less when you visit PPO in-network providers. In the HDHP, you pay 100% of covered health care expenses until you satisfy the annual deductibles. Then you pay coinsurance for covered services until you satisfy the cost-share maximum.
Prescription drugs listed on the Approved Preventative Drug List are covered at 100%, 没有共同支付或免赔额. To view the list log into your CVS Caremark account 在这里. The list is subject to change. Prior authorization may be required 和 some strengths or dosage forms may not be included.
HDHP participants may also participate in an HSA. An HSA is an individual account you own that allows you 和 the university to contribute pre-tax dollars to pay for qualified, out-of-pocket medical expenses now or later — even in retirement.
- 查看高免赔额 Family Plan 利益摘要
- 查看高免赔额 Single Plan 利益摘要
An HSA combines some of the best features of a flexible spending account with those of a 401(k) plan or Individual Retirement Account. Additional information is available in 健康 Care Spending Accounts.
A Dependent Care Spending Account helps you pay for care of your eligible dependents. Additional information is available in 健康 Care Spending Accounts.
包括资源
怀孕了? 利用…… 明亮的开端 Prenatal Program 通过爱达荷州蓝十字.
Through Blue Cross of Idaho's WellConnected工具, you have the resources you need to get healthy. Start with a free health assessment, then take advantage of all of the extras that will help you live a healthier life. You have access to health trackers, 数字健康指导, 研讨会, a health library 和 much more. You will need to log in to your Blue Cross of Idaho account in order to take advantage of these WellConnected工具.