In our effort to provide you and your family with high-quality, affordable medical coverage, we offer the following medical plans:
Three Medical Plan Options
- The Consumer-Directed Health Plan with a Health Savings Account (HSA), administered by Blue Cross Blue Shield of GA (BCBS). This is the “HSA Plan.â€
- The Point-of-Service (POS) Plan, administered by Blue Cross Blue Shield of GA (BCBS). This is the “POS Plan.â€
- The HMO Plan, administered by Kaiser Permanente (Kaiser). This is the “HMO Plan.â€
Each plan has unique features and advantages, so please review the following information carefully.
PLAN HIGHLIGHTS
BCBS CDHP with HSA Plan
- The HSA Plan is an IRS HSA-qualified Health Plan with a Health Savings Account. It uses the same BCBS network of providers as the POS Plan.
- The HSA Plan gives you the flexibility to visit any provider in or out of the BCBS network.
- When you enroll in the plan, a Health Savings Account will be set up in your name automatically and you will receive a welcome kit. (Health Equity administers the HSA Account on behalf of BCBS)
- You can use your HSA to help you meet the Plan’s deductible and pay other out- of-pocket covered medical expenses.
BCBS POS Plan
- The POS Plans give you the flexibility to visit any provider in or out of the BCBS network.
- You and the Plan share the cost of your care through an annual deductible, copays, and coinsurance.
KAISER HMO PLAN
- The HMO Plan has a different provider network and health care model than the HSA and POS Plans.
- The plan pays benefits only when you receive care from a Kaiser HMO network provider or partner provider. Otherwise, the plan does not pay benefits (except, in the case of emergency).
- You and the Plan share the cost of your care only through copays – there is no annual deductible or coinsurance.
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- All three plans offer Preventive care and preventive medications (as described under the Affordable Care Act—the ACA) are covered 100% by the Plan with no deductible or coinsurance. These plans also offer comprehensive coverage for a wide range of medical services and supplies, and a large network of providers (primary doctors, specialists and hospitals).
Please see the Fulton County Benefits Guide for complete details.
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