2009 Health Insurance Plans
IMPORTANT HEALTH INSURANCE ANNOUNCEMENT: PARTNERSHIP WITH BENE-CARE AGENCY
Effective April 1, 2009, Bene-Care Agency and the Greater Olean Area Chamber of Commerce have entered into an agreement, affording us the ability to provide enhanced services to you, our member groups.
Recently an invoice was mailed to you. Please note this invoice is a monthly invoice. If you would like to receive quarterly statements please hand write your request on the payment stub and include a payment for 3 months premium. This and all future invoices will be coming directly from Bene-Care Agency LLC. Please make all payments out to Bene-Care and include the top “tear off” portion of the invoice which includes your account information.
• Please review the invoice for accuracy.
• Please make sure your billing information is correct.
• Decide if you would like to revert back to a quarterly invoice
Additional payment options available
Electronic payment options Receive your bill via email
Feel free to contact our office if you have any questions regarding the invoice or payment options available. We look forward to servicing you.
Bene-Care Agency, LLC, 1-800-333-1673
Effective April 1, 2009, Bene-Care Agency and the Greater Olean Area Chamber of Commerce have entered into an agreement, affording us the ability to provide enhanced services to you, our member groups.
Recently an invoice was mailed to you. Please note this invoice is a monthly invoice. If you would like to receive quarterly statements please hand write your request on the payment stub and include a payment for 3 months premium. This and all future invoices will be coming directly from Bene-Care Agency LLC. Please make all payments out to Bene-Care and include the top “tear off” portion of the invoice which includes your account information.
• Please review the invoice for accuracy.
• Please make sure your billing information is correct.
• Decide if you would like to revert back to a quarterly invoice
Additional payment options available
Electronic payment options Receive your bill via email
Feel free to contact our office if you have any questions regarding the invoice or payment options available. We look forward to servicing you.
Bene-Care Agency, LLC, 1-800-333-1673
HEALTH INSURANCE PLANS 2009
Greater Olean Area Chamber of Commerce offers you a choice of several excellent insurance plans. Anyone in business knows how difficult it is to find good, affordable health insurance, but the Chamber delivers to its members several plans. New Rates and plans occur every January. If you have any questions about your health insurance, please call GOACC at 372-4433 X12.
BlueCross BlueShield POS 7100
Class # This plan qualifies for an H.S.A.
Deductible $1,500 single/$3,000 family
Out of Pocket Maximum $5,000 single/$10,000 family
Primary Care Visits 0$ copay AFTER deductible
PCP Child visits 0-19yrs covered in full
Well Child Visits 0-18 yrs covered in full
Specialist 0$ copay AFTER deductible
Prescription Drugs $15/$50/50% AFTER deductible
MANDATORY Mail order on maintenance drugs YES 2.5 copays per 90 day supply
Diagnostic X-Rays 0$ copay AFTER deductible
Laboratory Testing 0$ copay AFTER deductible
Maternity Care (prenatal&postnatal) 0$ copay AFTER deductible
Inpatient Maternity Care 0$ copay AFTER deductible
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay 0$ copay AFTER deductible
Outpatient Surgery Facility 0$ copay AFTER deductible
Emergency Room Visit 0$ copay AFTER deductible
Urgent Care Center 0$ copay AFTER deductible
Emergency Ambulance 0$ copay AFTER deductible
Mental Health Inpatient 0$ copay AFTER deductible
Mental Health Outpatient 0$ copay AFTER deductible
OUT OF NETWORK $1,500/$3,000;30%,$10,000/$20,000
Routine Vision Exam for each family member covered in full
Dependent/Student coverage to age 19yrs non-college/25yrs college
QUARTERLY RATES
Single $649.37
Family $1,763.99
BC/BS Community Blue 206
Deductible none
Out of Pocket Maximum none
Primary Care Visits $25
PCP Child visits 0-19yrs covered in full
Well Child Visits 0-18 yrs covered in full
Specialist $25
Prescription Drugs $15/$50/50%
MANDATORY Mail order on maintenance drugs YES 2.5 copays per 90 day supply
Diagnostic X-Rays $25
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) after 1st visit co-pay then covered in full
Inpatient Maternity Care covered in full
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay $250/$500
Outpatient Surgery Facility $75
Emergency Room Visit $100
Urgent Care Center $25
Emergency Ambulance $100
Mental Health Inpatient $250/$500
Mental Health Outpatient $25
OUT OF NETWORK none
Routine Vision Exam for each family member $25
Dependent/Student coverage to age 19/25
QUARTERLY RATES
Single $1,196.15
Family $3,283.28
BC/BSCommunity Blue 206Plus
Class # you pick co-pay $10/$40 or $20/$30
Deductible none
Out of Pocket Maximum none
Primary Care Visits $10 or $20
PCP Child visits 0-19yrs covered in full
Well Child Visits 0-18 yrs covered in full
Specialist $30 or $40
Prescription Drugs $15/$50/50%
MANDATORY Mail order on maintenance drugs YES 2.5 copays per 90 day supply
Diagnostic X-Rays $30 or $40
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) after 1st visit co-pay then covered in full
Inpatient Maternity Care covered in full
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay $250/$500
Outpatient Surgery Facility $75
Emergency Room Visit $100
Urgent Care Center $10 or $20
Emergency Ambulance $100
Mental Health Inpatient $250/$500
Mental Health Outpatient $30 or $40
OUT OF NETWORK $1,000/$2,000;30%;$5,000/$10,000
Routine Vision Exam for each family member $30
Dependent/Student coverage to age 19/25
QUARTERLY RATES
Single $1,196.15
Family $3,283.28
Independent Health FlexFit Select Active
$250 Allowance participating fitness club
Group #11615H
Deductible none
Out of Pocket Maximum none
Primary Care Visits $15
PCP Child visits 0-19yrs $25
Well Child Visits 0-18 yrs covered in full
Specialist $40
Prescription Drugs $10 **Generic Only
MANDATORY Mail order on maintenance drugs Not mandatory but available
Diagnostic X-Rays $40
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) Prenatal & one postpartum visit $0
Inpatient Maternity Care $500
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay $500
Outpatient Surgery Facility $75
Emergency Room Visit $100
Urgent Care Center $45
Emergency Ambulance $100
Mental Health Inpatient $500
Mental Health Outpatient $40
OUT OF NETWORK $1,000/$2,000;30%;$5,000/$10,000
Routine Vision Exam for each family member $10
Dependent/Student coverage to age 19
QUARTERLY RATES
Single $1,123.13
Family $2,832.98
Independent Health FlexFit Select Family
$250 Allowance family fitness centers and programs
Group # 11615H
Deductible none
Out of Pocket Maximum none
Primary Care Visits $25
PCP Child visits 0-19yrs covered in full
Well Child Visits 0-18 yrs covered in full
Specialist $40
Prescription Drugs $10**Generic Only
MANDATORY Mail order on maintenance drugs Not mandatory but available
Diagnostic X-Rays $40
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) Prenatal & one postpartum visit $0
Inpatient Maternity Care covered in full
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay adult $500, child $0
Outpatient Surgery Facility $75
Emergency Room Visit $100
Urgent Care Center $45
Emergency Ambulance $100
Mental Health Inpatient adult $500, child $0
Mental Health Outpatient $40
OUT OF NETWORK $1,000/$2,000;30%;$5,000/$10,000
Routine Vision Exam for each family member $5
Dependent/Student coverage to age 23
QUARTERLY RATES
Single $1,123.13
Family $2,832.98
Independent Health FlexFit Select Independent Ind.
$250 Alternativetherapy: massage, acupuncture, yoga, vitamins & herbs,etc.
Group # 11615H
Deductible none
Out of Pocket Maximum none
Primary Care Visits 25
PCP Child visits 0-19yrs $25
Well Child Visits 0-18 yrs covered in full
Specialist $40
Prescription Drugs $10**Generic Only
MANDATORY Mail order on maintenance drugs Not mandatory but available
Diagnostic X-Rays $40
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) Prenatal & one postpartum visit $0
Inpatient Maternity Care $500
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay $500
Outpatient Surgery Facility $75
Emergency Room Visit $100
Urgent Care Center $45
Emergency Ambulance $100
Mental Health Inpatient $500
Mental Health Outpatient $40
OUT OF NETWORK $1,000/$2,000;30%;$5,000/$10,000
Routine Vision Exam for each family member $20
Dependent/Student coverage to age 26
QUARTERLY RATES
Single $1,123.13
Family $2,832.98
Univera Simply Univera
Deductible none
Out of Pocket Maximum none
Primary Care Visits $30
PCP Child visits 0-19yrs $30
Well Child Visits 0-18 yrs covered in full
Specialist $50
Prescription Drugs $7/$50/$100 $1,000MAX
MANDATORY Mail order on maintenance drugs NOT mandatory but available
Diagnostic X-Rays $30
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) $30 initial visit then$0
Inpatient Maternity Care 500
Mammograms $30
Pap Smears covered in full
Hospital Inpatient Stay $500
Outpatient Surgery Facility $75
Emergency Room Visit $100
Urgent Care Center $50
Emergency Ambulance $100
Mental Health Inpatient $500-30 days
Mental Health Outpatient $50- 20 visits
OUT OF NETWORK none
Routine Vision Exam for each family member $50
Dependent/Student coverage to age 19 /25 college
QUARTERLY RATES
Single $1,237.52 Sole Prop $1,424.75
Family $3,180.35 Sole Prop $3,666.11
Community Blue HMO 104Plus
This plan is ONLY Available to EXISTING 104Plus and POS150D Employer Groups
Deductible none
Co-Insurance none
Out of Pocket Maximum none
Primary Care Visits $25
PCP Child visits 0-19yrs covered in full
Well Child Visits 0-18 yrs covered in full
Specialist $40
Prescription Drugs $15/$50/50%
MANDATORY Mail order on maintenance drugs YES 90 day supply 2.5 copays
Diagnostic X-Rays $40
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) covered in full after initial visit
Inpatient Maternity Care covered in full
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay $500
Outpatient Surgery Facility $75
Emergency Room Visit $100
Urgent Care Center $25
Emergency Ambulance $100
Mental Health Inpatient $500 30 days
Mental Health Outpatient $40 visits 1-20
OUT OF NETWORK $1000/$2000 70%/30% $5,000/$10,000
Routine Vision Exam for each family member $30
Dependent/Student coverage to age 19 non-student;25 student
QUARTERLY RATES
Single $957.35
Family $2,619.38
BlueCross BlueShield POS 150D
This plan is ONLY Available to EXISTING 104Plus and POS150D Employer Groups
Deductible $500/$1,000
Co-Insurance 20%
Out of Pocket Maximum $5,000/$10,000
Primary Care Visits $25
PCP Child visits 0-19yrs $25
Well Child Visits 0-18 yrs covered in full
Specialist $40
Prescription Drugs $15/$50/50%
MANDATORY Mail order on maintenance drugs YES 90 day supply 2.5 copays
Diagnostic X-Rays deductible then co-insurance
Laboratory Testing covered in full
Maternity Care (prenatal&postnatal) PCP co-pay then covered in full
Inpatient Maternity Care covered in full
Mammograms covered in full
Pap Smears covered in full
Hospital Inpatient Stay deductible then co-insurance
Outpatient Surgery Facility deductible then co-insurance
Emergency Room Visit deductible then $100 copay
Urgent Care Center $40
Emergency Ambulance deductible then $100 copay
Mental Health Inpatient deductible then coinsurance
Mental Health Outpatient $40 visits 1-20
OUT OF NETWORK $2,000/$4,000; 40%; $10,000/$20,000
Routine Vision Exam for each family member $30
Dependent/Student coverage to age 19 non-student; 25 student
QUARTERLY RATES
Single $608.96
Family $1,654.58
To qualify for one subscriber heath insurance with GOACC, a business must be a "dues paying" member of the GOACC for 60 days. For more information on the One-Subscriber Group health insurance plans, please contact Nancy Morgan or Brenda Kasperski at 372-4433 or email nancy@oleanny.com as soon as possible.
March 23, 2009