Plan design changes for April 1

From Broker Flash, January 31, 2011

We're making a few changes to our FCHP Direct Care, FCHP Select Care and Fallon Preferred Care products, effective April 1, 2011, upon anniversary.

These are: 

  • two additional deductible plans (you asked, and we listened!)
  • a new vision benefit
  • increase of some copayments

Download the Benefits Comparison chart for 4/1/11

 

The new plan designs you asked for!

In response to feedback from our brokers and employer groups, FCHP is introducing two additional plan designs in April 2011:

  • Premium Saver 1500 Classic
  • Premium Saver 2000 Classic

The new designs mirror our existing Premium Saver 1500 and Premium Saver 2000 options, but without a copayment after the deductible for inpatient hospital stays, same day surgery and the imaging benefit.

 

Overview of changes

For new business effective April 1, 2011, and for existing business at anniversary renewal dates:

  • New! $0 preventive vision benefit! Now, FCHP members will have one of the best vision benefits in the region as they have no cost sharing for annual preventive vision exams. This is part of FCHP’s own initiative to give our members more healthy extras, in addition to what is required as part of health care reform.

  • Increase in specialty copayment for Premium Saver I and II plans to $30, and for Premium Saver 500 and 1000 to $40.

  • PCP and specialist copayments for Premium Saver 1500 now will align with the deductible plans.

  • Increase in prescription mail-order copayment for Tier 3 drugs from 2 to 3 times the amount of the copayment for Tier 3 retail prescriptions. (Example, if Tier 3 retail drug has a copayment of $50, the mail order Tier 3 copayment is increasing from $100 (2 times the copay) to $150 (3 times the copay.)

  • Care Choice plans: Increase in office visit and prescription copayments, as well as out-of-pocket maximums.

Download the Benefits Comparison chart for 4/1/11

 

If you have any questions, please call your sales executive at FCHP’s dedicated broker line, 1-888-746-4823.

We look forward to partnering with you for April 1 enrollments.

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