Private Catholic Group Employee Benefits

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Private Catholic Health Group Employee Benefits

The Employee Benefits web information below provides comprehensive information regarding medical, dental, prescription, and life insurance benefits. Your employer administers these benefits. Please work with your employer for rules of eligibility, enrollment, changes, termination or questions.

Medical and Prescription Drug Benefits with dental and a $10,000 Term Life Insurance and AD&D Plan

MEDICAL INSURANCE PLANS, EFFECTIVE JULY 1, 2014 THRU JUNE 30, 2015

MEDICAL AND PRESCRIPTION DRUG BENEFITS

All eligible employees of Private Catholic Groups that participate in the Archdiocese of St. Louis health insurance are eligible for a choice of two medical programs, provided enrollment occurs within 31 days of eligibility. The available programs are UnitedHealthCare POS (Archdiocese Self-Funded Medical Program) Standard Plan or the UnitedHealthcare POS Premier Plan.

A POS (Point of Service) Plan is a network of physicians and hospitals that has a contract with the plan to provide medical benefits. Members can choose any provider for care. However, if you choose an in-network provider (i.e. “go in network”), you will receive a higher level of benefits.

Both UHC medical plans provide a dental plan through Delta Dental of Missouri plus a $10,000 term life insurance policy through Unum Life Insurance. See information below.

Major Health Insurance Plan Provisions & Comparison 2014 - 2015

Active eligible employees receive medical, prescription, dental and life insurance within the Archdiocesan health insurance plan. Coverage is available at three different levels – employee, employee + one eligible dependent, or employee + family.

The health insurance plan has a wellness program, The Employee Wellness Choice

The Employee Wellness Choice Option

Important Health Insurance Plan ACTION REQUIRED DURING 2013-2014

Effective Plan Year July 1, 2014 – Prerequisite for UHC Premier Plan For Employees Currently Enrolled in the UnitedHealthcare Plan

Remember the old saying that “an ounce of prevention is worth a pound of cure?” This can be especially true when it comes to preventive healthcare services.

Wellness has an important place in your employee’s daily life and your workplace. The Archdiocese has a goal to further promote, improve and integrate more employee wellness attention through plan design initiatives of the Archdiocese Health Insurance Plan.  It is to the benefit of all when an employee identifies health risk factors early and takes steps to minimize those risks. We hope you choose to be part of this wellness program detailed below.

 The Archdiocese offers two health plan options – the UnitedHealthcare Standard and Premier Plan. To be eligible for the Premier Plan choice in 2014, you must complete a Wellness Prerequisite as described below.

 Plan Year Beginning July 1, 2014 – Prerequisite for UHC Premier Plan

 Effective July 1, 2014, the employee (not spouse or children on the health plan) must complete one of the following in order to choose the United Healthcare (UHC) Premier Plan:

  1.  Receive an annual wellness exam with a physician of your choice and submit an Employee Wellness Form  to H&H Associates between May 1, 2013 and April 30, 2014

 or

   2. Participate in the employer paid, confidential H & H Health Associates health screening between May 1, 2013 and April 30, 2014.

 If you receive your annual wellness exam from your physician, please complete the Employee Wellness Form for Open Enrollment 2013 -2014. Send the form to H&H Health Associates via mail, fax or email in order to have a choice between the two plan options in 2014. If you complete an H&H Health Associates screening, you do not need to submit the form. 

 Without the health screening or an annual wellness exam as verified on the completed Employee Wellness Form for Open Enrollment 2013 -2014, you will be limited to selecting the UHC Standard Plan, effective July 1, 2014.

 A quality and comprehensive wellness exam by your physician, including lab work, is generally more thorough to an H & H Health Associates screening. We encourage you to develop a physician/patient relationship to enhance the quality of your life.

Effective Plan Year July 1, 2015 – Prerequisite for UHC Premier Plan For Employees Currently Enrolled in the UnitedHealthcare Plan

 Effective July 1, 2015, the employee electing to enroll in UHC on or before 7/1/2014  (not for spouse or children) must complete one of the following in order to choose the UHC Premier Plan on July 1, 2015:

  1.  Receive an annual wellness exam with a physician of the employee's choice and submit an  Employee Wellness Form for 2014 -2015   notification to H&H Associates between May 1, 2014 and April 30, 2015.

 or

   2. Participate in the employer paid, confidential H & H Health Associates health screening between May 1, 2014 and April 30, 2015.

A quality and comprehensive wellness exam by your physician, including lab work, is generally more thorough to an H & H Health Associates screening. We encourage you to develop a physician/patient relationship to enhance the quality of your life.

If you are an employee of a Private Catholic Group or Order, please see your employer for your health insurance premium contribution information. Below is the Premium cost to your employer.

Plan – July 1, 2014                         Employee Employee +1*                        Employee + Family                       
UnitedHealthcare Standard      
Total Monthly Premium $436.00 $  958.00 $1,298.00
United Healthcare Premier      
Total Monthly Premium $638.00 $1,278.00 $1,612.00
Continuation of Coverage:**      
UHC Standard $444.00 $  976.00 $1,324.00
UHC Premier $650.00 $1,304.00 $1,644.00
Part Time: See Bookkeeper   **Continuation of Coverage does not include the life insurance benefit                                               

* "1" means spouse or dependent child.

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UnitedHealthcare

United Healthcare Choice Plus Self-Funded Plan

Customer Service Information: 1.888.332.8885

UnitedHealthcare Premier Plan:

UnitedHealthcare Standard Plan:

Information below is for both the Premier and Standard UHC Plans:

United Healthcare has a Health Pregnancy Program. Please click here for your Pregnancy Manual.

Would you like a health coach or would you like to assess your health risk? United Healthcare has a  Wellness Program, too. UHC Wellness Prgram 220.55 Kb

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Delta Dental logo

Delta Dental of Missouri

Customer Service Information: 1.800.335.8266

All Archdiocesan employees enrolled into one of the two available medical plans are automatically enrolled into the Delta Dental Plan of Missouri. Like the medical plans, you may see any dentist you wish. However, if your dentist participates with Delta Dental your costs may be reduced. Employees are not able to enroll in just the dental plan only.

The Archdiocese has an enhanced dental program by offering a second network (Delta Dental PPO network) with enhanced Basic and Major benefits.  If you choose to see a Delta Dental PPO dentist, you will save money and stretch your benefits.  The Delta Dental PPO network gives you 10% more benefits for Basic and Major services. Delta Dental PPO dentists provide greater discounts, saving you even more money. There is no change to your benefits, if you continue to see a Delta Dental Premier dentist or a non-participating dentist.

      You and your eligible dependents have the freedom to choose any dentist. Benefits will be based upon your provider and services. You do not enroll in the PPO Network or Premier Network. For example, you may be a patient of a PPO network provider and your dependent may be a patient of a Premier network provider. You are able to change a dentist at any time.

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unum.gif

Unum Life Insurance and Accidental Death & Dismemberment

Customer Service Information: 314.792.7540

Each eligible Archdiocesan employee enrolled in the medical plan is automatically provided $10,000 of group term life insurance through Unum Life Insurance Company. Each eligible Archdiocesan employee is also automatically provided $10,000 of accidental death and dismemberment insurance through Unum. At age 70, the benefit reduces to $5,000.

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Other Information

New Employee Benefit Packet

To receive a New Employee Benefit Packet, you may contact your parish/agency/school benefits administrator. Your local agency/school employer administers these benefits. You need to work with your employer for rules of eligibility, enrollment, changes, termination or questions.

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Forms (Enrollment, Change, Termination, and Claim forms)

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Health Insurance Portability and Accountability Act (HIPAA) Privacy Notice

 

The use and disclosure of your Protected Health Information ("PHI") by the Plans is regulated by a federal law known as HIPAA (the Health Insurance Portability and Accountability Act). This Notice of Privacy Practices is intended to summarize the HIPAA regulations. PHI includes all individually identifiable health information created, received, sent to other people or companies, or maintained by the Plans. The Plans are required by law to maintain the privacy of PHI. This Notice is effective beginning April 14, 2003, and the Plans are required to comply with the terms of this Notice.

The Notice of Privacy Practices for the Archdiocese of St. Louis health plan and dental plan 27.91 Kb 

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Medicare D Prescription Drugs

Medicare prescription drug coverage is insurance that covers both brand name and generic prescription drugs at participating pharmacies. Medicare Part D plans are open to everyone who is eligible for Medicare in the U.S. Generally, that means people who are 65 years old or older, and some younger people with certain disabilities. Participation is voluntary. You get to decide if you want to enroll or not. Below is a letter from the Archdiocese of St. Louis Employee Benefit Health Plan that explains about your current prescription plan with Mercy Health Plan or United Healthcare Choice Plus Plan and the enrollment into Medicare D. For further comprehensive information, please see the Medicare website at http://www.medicare.gov 

Go to the Medicare.gov website and search for the MEDICARE AND YOU booklet for a Show Me Guide that is an easy to use reference for understanding Medicare and its coverage options, provided by United Healthcare.

DISCLAIMER: In the event of a discrepancy between information on the website and the Plan Document, the Plan Document will be the official governance information.

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