OUR INSURANCE PLANS VIRGINIA STATE INSURANCE BY BERT KREBS
Dec 31, 2015
OUR INSURANCE PLANSVIRGINIA STATE INSURANCE
BY BERT KREBS
Preferred Provider Organization
WHAT IS A PPO?
HMOVs.PPO
CHANGES TO CURRENT PLANSThe flexible spending account (FSA)
$2,500
$3,000Integrated Behavioral Health Plan
(IBHP)$15
In-Patient Co-paymentOutpatient Co-payment
$25
Wellness Benefits Well Baby Nursery
Benefit
Co –Insurances UNCHANGED
CHANGES TO TRADITIONAL HMO
PREMIUMS INCREASED
15%
80%
20%
CHANGES TO PPOLower rates than Current HMO plan
In Network $20
SMALLER NETWORK
Co-Insurance
80%
20%
70%30%
In Network Out of Network