FREQUENTLY ASKED QUESTIONS
What time period is associated with benefit choice costs?
All amounts shown are calendar-year costs and will be deducted on that basis from the number of 2007 pays you receive.
What are some of the things I should take into consideration when deciding whether an HMO or a PPO is right for me and my family?
An HMO requires the selection of a primary care physician for each member of the family from the HMO provider directory. This primary care physician is responsible for coordinating all medical care and hospitalization. Should an HMO member choose to use a provider who is not a part of the HMO network, he or she would be responsible for the total charge. HMOs do not require annual deductibles and typically offer a wide variety of preventative health care.
A PPO offers in- and out-of-network benefits. Services rendered by an in-network provider will result in lower out-of-pocket costs to the member than those services received from an out-of-network provider. In-network expenses other than office calls and prescription drugs are subject to an annual deductible and a 10 percent co-insurance. Out-of-pocket maximums are also available to assist with catastrophic heath care cost. Services rendered by a non-network provider have a higher deductible and out-of-pocket maximum and 30 percent co-insurance.
My confirmation shows "3 Emp/Child(ren)." What does this mean? I have only two children. Should I be concerned?
The "3" Emp/Child(ren)" is a code used in PeopleSoft. It does not reflect the number of children enrolled in your plan. Instead, refer to the Dependent/Beneficiary Section of your confirmation for verification of enrollment.
I have a question that is not here. Whom can I call?
Call any of the people below during normal business hours.
Externally, dial 330-972 and the extension listed.
