Dear BBB Accredited Business Member and Subscribing Employees,
The Better Business Bureau (BBB) is pleased to once again offer a choice of health plans through Preferred Health Systems for an effective date of January 1, 2012.
As we are all aware, there has been a great deal of discussion regarding health care and health insurance over the past year. With the passage of the Affordable Care Act, health plans have made changes to incorporate those benefits, including such things as free Preventative Care (wellness), no lifetime maximum limits and extending coverage on young adults up to age 26 on family plans.
As we approached the end of 2011, we worked with our health plan carrier, Preferred Health Systems, to see what could be the best possible options to make available both from a health care benefit and from an affordability point of view. What we found is that the best way to achieve those goals was to move more towards what are called Consumer Driven Health Plans (CDHP). For everyone currently enrolled on one of the current plans, there will be no changes in copays and/or deductibles along with the addition of benefits such as outpatient prescription drug coverage on all of the plans.
There are a number of important changes which will require your attention and action by the business and the employee. It will be important for the business and employees to review the plans, compare premiums and take action before December 30, 2011. Some of the changes for 2012 include:
- All of the communication will be done this year by email and website.
- New monthly premium schedules for all plans.
- Summary of benefits for all plans.
It is important to review the premium and plan benefit schedules with your employer and select the one which fits your situation. Everyone in your BBB Accredited Business must choose the same plan.
Please remember, the election of Point of Service (POS) plan is only available to those businesses and employees who reside in the PPK service area (South Central Kansas).
Your business may elect to enroll only in the health plan or only the dental plan or both.
What do you need to do if you are currently enrolled in a plan through the BBB?
Complete the following for the health coverage:
- Election Form (each participating employee)
- Enrollment Form (if enrolling in the POS-complete the PPK form. If enrolling in either PPO-complete the PHSIC form)
- Group Enrollment Form (only for those businesses who were not enrolled in a health plan in 2011)
Please note: If you are currently enrolled in the POS and wish to enroll in one of the PPO options, you will also need to complete a change/term form (PPK) in order to “dis-enroll” you from the POS.
The same holds true if you are currently enrolled in one of the HDHPs are wish to enroll in the Point of Service (POS) plan, you will need to complete a change/term form (PHSIC) in order to “dis-enroll” you from the HDHP.
Complete the following for the dental plan:
If you are currently enrolled in one of the Delta Dental Plans and wish to continue, you do not have to complete any new forms.
If your business decides to elect a dental option for 2012, all of your eligible employees must be on the same option. With the Delta plans, you must have at least two subscribers with those subscribers having different home addresses. In other words, a couple enrolling as two separate subscribers does not qualify.
- Delta Dental Group Enrollment Form (completed by Business)
- Delta Dental Enrollment Form
Please deliver by mail, fax or email attachment all completed and signed forms to:
Insurance Resources
7701 E. Kellogg, Suite 435
Wichita, KS 67207
(316) 685-8000
Fax 685-8006
d.dixon@insresources.net
The PPO plans are both designed so that they are eligible to be used with a Health Savings Account (HSA). If you select a PPO, you are eligible to enroll in a HSA. Most local financial institutions are capable of setting up the HSA for your business/employees.
The PPO benefit designs utilize a network of Contracting Providers. You do not have to select a Primary Care Physician (PCP) like you do in the POS benefit plan. However, your level of benefit will be greater if you utilize a network provider. If you do not utilize a network provider, you still have a benefit for covered services but at a reduced level plus you will be responsible for the difference between the actual billed charges and the allowed amounts.
Please note that all plans offer maternity benefit. There are applicable deductibles/copays which apply.
Outpatient prescription drugs are now available on all of the plans. There are restrictions and copays/deductibles which apply.
The open enrollment period will run until December 31, 2011. During this period health questionnaires are not required.
If your company still has questions or concerns after reviewing the website, www.kshealthplan.com, please contact Insurance Resources LLC at (316) 685-8000 or d.dixon@insresources.net to arrange for an appointment with a representative. Please do not wait until the last week to make an appointment as scheduling will be difficult.
IMPORTANT:
All of the above information is for summary purposes only. Please consult your Certificate of Coverage for Complete Description of Services, Benefits and Exclusions.
Please make sure all of your eligible employees are enrolled. Your company must be an Accredited Business in good standing with the BBB in order to be eligible for coverage in any of the above benefit plans.