What's New for 2009?
- Wellness/Disease Management Programs
- Copay Plan
- Urgent Care
- High Deductible Health Plan with Health Savings Account
- Dental Benefits
Wellness/Disease Management Programs
Expect the following changes to Lifestyle Ladder and Smart Steps®:
- The monthly incentive for participation in the Lifestyle Ladder has increased to $15 for subscriber only coverage and $30 for subscriber/spouse coverage.
- Participation in the Smart Steps® program does not qualify you for a lower health insurance premium (incentive premium); however, you have the option to participate in both programs.
- All members (even those who have good habits and are healthy) will need to participate and work with a health coach to receive the incentive premium.
- If you qualify for Smart Steps®, you can take the Personal Health Analysis (iPHA) and participate in Lifestyle Ladder to receive the incentive premium.
- If you participate in the tobacco cessation program through Lifestyle Ladder, you
can receive approved tobacco cessation prescription drugs for 12 weeks free.
- New online coaching is available as well as many more online resources.
- Get the same great service from your health coach via e-mail. When using an online coach, you can work with the same health coach each time.
2009 Programs:
- 2009 Lifestyle Ladder - Wellness Program
- 2009 Smart Steps® - Disease Management Program
Copay Plan
The pre-existing condition limitation under the Copay Plan no longer applies. Members enrolling in the Copay Plan do not need to meet a pre-existing condition requirement.
Urgent Care
Both network and non-network urgent care centers may be accessed for urgent care. Urgent care is medically necessary services in order to prevent rapid/and or serious deterioration in a member's health as a result of injury or illness.
High Deductible Health Plan with Health Savings Account
MCHCP introduces a new medical plan option. The qualified High Deductible Health Plan (HDHP) with Health Savings Account (HSA) provides comprehensive coverage for medical expenses and a tax-advantaged way to help you save for future medical expenses. The HDHP has higher deductibles than a traditional health plan, and gives you greater flexibility and discretion over how you use your health care benefits. If enrolling in the qualified HDHP, you must enroll online
Review the High Deductible Health Plan section for more detailed benefit information.
Dental Benefits
The Delta Dental benefit has been enhanced. The following services no longer apply to the $1,000 individual benefit maximum:
- Routine and comprehensive dental exams including periodontal exams.
- X-rays, including complete series, periapical, intraoral, extraoral, bitewings and panoramic films.
- Cleanings, including perio-maintenance cleanings
- Fluoride and fluoride varnishes.
Review the Dental Benefits section for a complete list of covered benefits.