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

1. 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.�
2. The Point-of-Service (POS) Plan, administered by Blue Cross Blue Shield of GA (BCBS).   This is the “POS Plan.â€�
3. The HMO Plan, administered by Kaiser Permanente (Kaiser). This is the “HMO Plan.�

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.

• • 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.