Health Plans

To access this information go to: http://www.usg.edu/hr/benefits/healthcare

The Open Access POS (PPO) Plan

The Open Access POS (PPO) plan requires a $20 copay for office visits and pays 90 - 100 percent of most other eligible expenses once the deductible is met. The deductible is $300 for an individual and $900 for a family. The full family deductible must be met before expenses are paid for any one individual. Wellness is covered at 100 percent for in-network providers and is not subject to the deductible. A copay is not required for wellness visits.

Pharmacy benefits are offered through Express Scripts which uses a large network of retail pharmacies, and there is no additional cost for this program. The copay is $10 for generic drugs, $30 for preferred brand name drugs, and a 20 percent coinsurance for non-preferred brand name drugs. The plan also offers a voluntary mail order prescription plan for maintenance medication which can be ordered up to a 90 day supply. The cost of a 90 day supply is 2 ½ times the monthly premium ($25 for generic, $75 for name brand, 20 percent of copay for non-preferred brand name with minimum cost being $100 and maximum of $250).

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DOWNLOAD: BCBSGA Medical Claim Form

Health Savings Account/ Open Access Point of Service (PPO) Plan

This HSA/Open Access POS (PPO) plan is a High Deductible Health Plan (HDHP). Employees are required to satisfy a $1,500 individual deductible or $3,000 family deductible before most eligible expenses are covered at 90 percent. The full family deductible must be met before expenses are paid for any one individual. Wellness is covered at 100 percent for in-network providers and is not subject to the deductible. Pharmacy costs are covered like any other expense (subject to the deductible and then paid at 90 percent). The advantage to this plan is that the monthly employee premium is very low in exchange for a higher out-of-pocket liability.

DOWNLOAD: Rates Chart

DOWNLOAD: BCBSGA Medical Claim Form

Tobacco Use Surcharge

A $50 surcharge will be added to the monthly medical plan premium for the use of tobacco products. This charge applies to both active employees and retirees but not COBRA participants. The surcharge is designed to encourage tobacco users to adopt a healthier lifestyle. If a tobacco cessation program is successfully completed and the use of tobacco is discontinued, the surcharge will be removed.

There are many resources available to employees who need assistance with stopping the use of tobacco.

Dental Plan

Delta Dental offers two plan options — a Base Plan and High Plan. Both plans cover preventive services, like routine checkups and cleanings. However, there are important differences to consider. Dental Plan Details

Dental Providers: http://www.deltadentalins.com/usg/

DOWNLOAD: Rates Chart

Vision Plan

The USG provides vision coverage through EyeMed, which features a large network of top national retail chains as well as local providers. For more information: Vision Plan Details

EyeMed Providers: https://www.eyemedvisioncare.com/locator/captcha.emvc

DOWNLOAD: Rates Chart