Why Failing and Risk-Taking Are Better Than Perfection
(by Bright Horizons)
We are committed to providing comprehensive coverage to ensure that our employees have access to the care they need to stay healthy and productive In this section, you’ll find detailed information about our medical and prescription drug coverage, including how to enroll, how to access care, and how to manage your benefits.
Memorial offers a variety of medical plans to meet the diverse needs of our employees. Our three plan options include the Copay Plan, HSA Plan, and HMO Plan. The Copay Plan offers a low monthly premium with minimal out-of-pocket costs. The HSA Plan is a high-deductible health plan that is paired with a Health Savings Account, allowing employees to save for future healthcare expenses. The HMO Plan offers a network of providers with little to no out-of-pocket costs, but also has a higher monthly premium. Each of these plans has its own unique features and benefits, and we encourage you to review them to find the one that best fits your healthcare needs.
The Copay Plan is a traditional plan that offers low monthly premium with minimal out-of-pocket costs. Under this plan, you will have a copayment for doctor visits and prescription drugs, and there is also a small annual deductible that you’ll need to meet before your insurance kicks in. This plan covers preventive care, such as check-ups and vaccinations, at no additional cost. Additionally, it covers inpatient and outpatient hospital stays, lab tests, diagnostic imaging, and emergency services. The Copay Plan also offers a prescription drug benefit that covers most medications, with a low copayment for each prescription. This plan is a great option for those who want low monthly premium and want to minimize out-of-pocket expenses.
The HSA Plan is a high-deductible health plan that is paired with a Health Savings Account (HSA). Under this plan, you will have a higher annual deductible that you’ll need to meet before your insurance kicks in, but you’ll have lower monthly premium. The HSA is a personal savings account that you can use to pay for qualified medical expenses, including doctor visits, prescription drugs, and hospital stays. The money in the account belongs to you, even if you change jobs or leave the company. You can also invest the money in the account and let it grow tax-free. The HSA plan also covers preventive care, such as check-ups and vaccinations, at no additional cost. This plan is a great option for those who want to save money on monthly premium and want to save money on future medical expenses.
The HMO Plan is a health maintenance organization plan that offers a network of providers with little to no out-of-pocket costs, but also has a higher monthly premium. This plan requires you to choose a primary care physician and get referrals to see specialists. Under this plan, you will have access to a wide range of medical services, including preventive care, doctor visits, laboratory tests, diagnostic imaging, and prescription drugs. Inpatient and outpatient hospital stays are also covered under this plan. The HMO plan also covers preventive care, such as check-ups and vaccinations, at no additional cost. This plan is a great option for those who want low out-of-pocket costs and who prefer to have a primary care physician who coordinates their care.
Important!
Choose the plan that best fits your healthcare needs – consider coverage, costs, and network to ensure optimal health support!
Here you will find information about our prescription drug coverage, including the types of medications covered, the cost-sharing for each medication and the process of ordering the medication. We understand that medication plays an important role in maintaining good health, that’s why we strive to provide our employees with access to the medication they need. We have partnered with leading pharmacy benefit managers to ensure that our prescription drug coverage is comprehensive, affordable and easy to access.
The Copay Plan is a traditional plan that offers low monthly premium with minimal out-of-pocket costs. Under this plan, you will have a copayment for doctor visits and prescription drugs, and there is also a small annual deductible that you’ll need to meet before your insurance kicks in. This plan covers preventive care, such as check-ups and vaccinations, at no additional cost. Additionally, it covers inpatient and outpatient hospital stays, lab tests, diagnostic imaging, and emergency services. The Copay Plan also offers a prescription drug benefit that covers most medications, with a low copayment for each prescription. This plan is a great option for those who want low monthly premium and want to minimize out-of-pocket expenses.
The HSA Plan is a high-deductible health plan that is paired with a Health Savings Account (HSA). Under this plan, you will have a higher annual deductible that you’ll need to meet before your insurance kicks in, but you’ll have lower monthly premium. The HSA is a personal savings account that you can use to pay for qualified medical expenses, including doctor visits, prescription drugs, and hospital stays. The money in the account belongs to you, even if you change jobs or leave the company. You can also invest the money in the account and let it grow tax-free. The HSA plan also covers preventive care, such as check-ups and vaccinations, at no additional cost. This plan is a great option for those who want to save money on monthly premium and want to save money on future medical expenses.
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using ‘Content here, content here’, making it look like readable English.
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It is a long established fact that a reader will be distracted by the readable content of a page when looking at its layout. The point of using Lorem Ipsum is that it has a more-or-less normal distribution of letters, as opposed to using ‘Content here, content here’, making it look like readable English.
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What it offers |
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Nam ullamcorper bibendum dapibus. Cras ultrices in mi eget luctus commodo auctor magna eu sollicitudin:
Foundation offers a variety of medical plans to meet the diverse needs of our employees. Our three plan options include the Copay Plan, HSA Plan, and HMO Plan. The Copay Plan offers a low monthly premium with minimal out-of-pocket costs. The HSA Plan is a high-deductible health plan that is paired with a Health Savings Account, allowing employees to save for future healthcare expenses. The HMO Plan offers a network of providers with little to no out-of-pocket costs, but also has a higher monthly premium. Each of these plans has its own unique features and benefits, and we encourage you to review them to find the one that best fits your healthcare needs.
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Nam ullamcorper bibendum dapibus. Cras ultrices in mi eget luctus. Quisque commodo auctor magna eu sollicitudin. Proin sagittis euismod tortor vel fermentum. Morbi vitae ante condimentum, ultricies urna non, tristique justo. In justo libero, porttitor nec molestie non, iaculis at diam. Donec suscipit eu est sed scelerisque. Nunc aliquam tellus id urna bibendum consequat.
Nam ullamcorper bibendum dapibus. Cras ultrices in mi eget luctus commodo auctor magna eu sollicitudin:
Nam ullamcorper bibendum dapibus. Cras ultrices in mi eget luctus. Quisque commodo auctor magna eu sollicitudin. Proin sagittis euismod tortor vel fermentum. Morbi vitae ante condimentum, ultricies urna non, tristique justo. In justo libero, porttitor nec molestie non, iaculis at diam. Donec suscipit eu est sed scelerisque. Nunc aliquam tellus id urna bibendum consequat.
Nam ullamcorper bibendum dapibus. Cras ultrices in mi eget luctus commodo auctor magna eu sollicitudin:
Lorem Ipsum is simply dummy text of the printing and typesetting industry.
Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book. It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
It was popularised in the 1960s with the release of Letraset sheets containing Lorem Ipsum passages, and more recently with desktop publishing software like Aldus PageMaker including versions of Lorem Ipsum.
Nam ullamcorper bibendum dapibus. Cras ultrices in mi eget luctus. Quisque commodo auctor magna eu sollicitudin. Proin sagittis euismod tortor vel fermentum.
Morbi vitae ante condimentum, ultricies urna non, tristique justo. In justo libero, porttitor nec molestie non, iaculis at diam. Donec suscipit eu est sed scelerisque. Nunc aliquam tellus id urna bibendum consequat.
Nam ullamcorper bibendum dapibus. Cras ultrices in mi eget luctus commodo auctor magna eu sollicitudin:
Foundation offers a variety of medical plans to meet the diverse needs of our employees. Our three plan options include the Copay Plan, HSA Plan, and HMO Plan. The Copay Plan offers a low monthly premium with minimal out-of-pocket costs. The HSA Plan is a high-deductible health plan that is paired with a Health Savings Account, allowing employees to save for future healthcare expenses. The HMO Plan offers a network of providers with little to no out-of-pocket costs, but also has a higher monthly premium. Each of these plans has its own unique features and benefits, and we encourage you to review them to find the one that best fits your healthcare needs.
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Features |
PPO |
PPO+ |
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Annual Deductible |
$XXX/individual $XXXX/family |
$XXXX/individual; $XXXX/family* |
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Out-of-Pocket Limit |
$XXXX/individual |
$XXXX/individual |
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Total Out-of-Pocket Limit |
$XXXX/individual |
$XXXX/individual; |
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Preventive Care |
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Exam |
XXX%, no deductible |
XXX%, no deductible |
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Non-Urgent Services |
$XXX copayment |
XX%, after deductible |
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Routine Care |
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Primary Care visits |
$XX copayment |
XX%, after deductible |
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Specialist |
$XX copayment |
XX%, after deductible |
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Features |
PPO |
PPO+ |
|---|---|---|
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Annual Deductible |
$XXX/individual $XXXX/family |
$XXXX/individual; $XXXX/family* |
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Out-of-Pocket Limit |
$XXXX/individual |
$XXXX/individual |
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Total Out-of-Pocket Limit |
$XXXX/individual |
$XXXX/individual; |
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Preventive Care |
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Exam |
XXX%, no deductible |
XXX%, no deductible |
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Non-Urgent Services |
$XXX copayment |
XX%, after deductible |
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Routine Care |
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Primary Care visits |
$XX copayment |
XX%, after deductible |
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Specialist |
$XX copayment |
XX%, after deductible |
Participants who elect coverage for one or more dependents must meet the $5,000 deductible before the plan begins to pay 80% (or 60%) of eligible expenses.
** Copays will not apply to services received at an independent facility. The Concierge Service will help you find independent facilities in your area.
(by Bright Horizons)
Join us for a review of benefits and resources for this year’s open enrollment.
(by Fidelity Investments)
Lorem Ipsum
Lorem Ipsum
Dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
Lorem Ipsum
Lorem Ipsum
Dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
It has survived not only five centuries, but also the leap into electronic typesetting, remaining essentially unchanged.
For general questions about Memorial’s health and insurance benefits, or assistance enrolling, contact the Benefits Service Center.
hrmicrosite.com
555-555-5555
TDD for hearing impaired: Use 711 Relay
Representatives are available Monday through Friday (excluding New York Stock Exchange holidays), 8:30 a.m. to 8:30 p.m. ET.
Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type specimen book.
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