1. 2016 BCBSGa
Open Enrollment

2. Agenda What’s new in 2016? BCBSGa Plan Options and Benefits
Personal Health Programs
Online Tools
Questions

3. What’s new in 2016?

4. LiveHealth Online HMO Plan: Subject to $35 co-pay
HRA Plan: In-network co-insurance applies; member does not have to meet the deductible first
What is LiveHealth Online?
LiveHealth Online is BCBSGa’s telemedicine offering. This allows members to have a virtual visit with an in-network doctor, providing an alternative method to access quality care.
When your own doctor isn’t available or you are short on time, LiveHealth Online can help. LiveHealth Online gives you access to quality medical care 24/7 with no appointments or long wait times
With LiveHealth Online you get:
Immediate access to in-network, board-certified doctors 24/7
Secure and private two-way video chats with doctors
Prescriptions sent directly to your pharmacy, if needed*
When to use LiveHealth Online?
As always, you should call 911 with any emergency
Use LiveHealth Online for common health concerns
such as colds, the flu, fevers, rashes, infections,
allergies, and family health questions
*In certain states, prescriptions cannot be issued as a result of an online interaction with a doctor. For state telehealth availability, check the map on livehealthonline.com.

5. Roll Over Credits
In 2015, members were only allowed to roll over their unused well-being incentive credits between the three BCBSGa HRA plans
Beginning in 2016, members can roll over unused well-being incentive credits if they decide to move from plan to plan, regardless of plan type (HRA or HMO) or insurance carrier
Example #1: Member moves from the BCBSGa Bronze HRA plan in 2015 to a BCBSGa HMO plan in 2016
Example #2: Member moves from the UnitedHealthcare HMO in 2015 to a BCBSGa HMO plan in 2016
BCBSGa
Kaiser Permanente
UnitedHealthcare $

6. BCBSGa Plan Options & Benefits

7. Active and Early Retirees
BCBSGa HRA Plans
HRA = Health Reimbursement Arrangement
No co-pays
Benefits are subject to deductible/co-insurance
Our BCBSGa HRA plans offer members true consumerism
Active and Early Retirees
Gold HRA
Silver HRA
Bronze HRA
Provider Network:
SHBP network (Open Access POS)
Outside of GA use BlueCard National PPO network
No referrals required for specialists
Out-of-network benefits available

8. How the HRA plans work Health Reimbursement Arrangement (HRA) Account
Annual Deductible
Out-of-Pocket
Once your HRA well-being incentive credits are exhausted, you are responsible for meeting an annual deductible before the plan begins to pay a percentage of your covered expenses, called co-insurance.
After you meet your annual deductible, you pay a percentage of the cost of your covered expenses, called co-insurance.
SHBP contributes base HRA well-being incentive credits to your Health Reimbursement Arrangement (HRA) account.
If you still have well-being incentive credits in your HRA account after you've met your annual deductible, you can use them to pay your share of co-insurance.
These well-being incentive credits are used to help pay for your covered major medical expenses, such as inpatient or outpatient procedures.
You can use the well-being incentive credits in your HRA account to help meet your deductible.
Once you reach your annual out-of-pocket maximum, the plan pays 100 percent of any of your remaining in-network covered expenses for the rest of the plan year. .

9. Active and Early Retirees
BCBSGa HMO Plan
HMO = Health Maintenance Organization
Care is guided by your doctor, but unlike most HMOs, you don’t need referrals to see a specialist.
Budget friendly
Active and Early Retirees
BCBSGa Statewide HMO
Provider Network:
SHBP network (Open Access POS)
Outside of GA use BlueCard National PPO network
No referrals required for specialists
No out-of-network benefits available

10. Benefits at a Glance

11. Personal
Health Programs

13. Online Tools

15. Questions?
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