Medical/Rx Plans Overview
Below is a high-level overview of your plan options and in-network benefit information:
You can view more details of these plans by accessing the benefit summaries provided below.
Virtual Care
Deporre Veterinary Hospital provides those employees who are covered by one of the BCBSM medical plans access to virtual care with Teladoc Health (formerly known as BCBSM Online Visits). Teladoc Health provides members the opportunity to receive medical and mental health care from the comfort of your own home.
All eligible members will need to download the Teladoc Health app and create a new account with Teladoc Health.
Virtual Care:
Have a virtual visit with a U.S. board-certified doctor for minor illnesses such as colds, sore throats, urinary tract infections and pink eye. Visits are available for adults and children 24/7. Average wait time is 10 minutes. Prescriptions can be called in to your preferred pharmacy if needed.
Virtual Primary Care (Only available to PPO Members):
See your PCP virtually, from the convenience and comfort of your home. You will receive, at no cost to you, a digital blood pressure monitor before your first visit. Appointments are available from 7 a.m. to 6 p.m. Monday through Friday, and 8 a.m. to 12 p.m. on Saturday.
Member Advantages
- <7-day average wait time to see a PCP
- Eliminating transportation costs and travel time
- Build a relationship and receive quality care; average length of a new patient visit is 54 minutes
- Manage their chronic conditions; 46% of follow up visits were for identified chronic conditions
- Address their whole health needs; 20% of visits resulted in a referral to an in-network care provider and 53% used at least one other Teladoc service
Virtual Mental Health Services:
Through the Mental Health option, you can connect with a licensed therapist or U.S. board-certified psychiatrist when you’re dealing with stressful situations or issues such as grief, anxiety and depression. Appointments are available from 7 a.m. to 9 p.m., seven days a week. Therapy is available for members ages 13 and up. Psychiatry is available for members ages 18 and up.
Livongo:
A resource for those with hypertension, prediabetes, or diabetes. Some may qualify for a glucose monitor or scale, at no cost. See flyers for details.
myStrength:
A resiliency and behavioral health resources available to you for health needs including; depression, anxiety, substance abuse, chronic pain, and much more.
Health Savings Account (HSA)
The Health Savings Account (HSA) allows you to set aside pre-tax dollars to pay for eligible medical, dental, and vision expenses. The BCN HMO 6350 is qualified for an HSA. By contributing to an HSA you reduce your taxable income, so you pay less in taxes — which saves you money.
HSA IRS Maximums are as follows and are on a calendar year basis. The maximums indicated below are a combined maximum for participant and any employer provided funds to the HSA. If you elect the HSA plan mid-year, maximums are prorated based on your effective date in the HSA plan.
$4,300 for a single contract | $8,550 for a two person or family
$1,000 "Catch Up" contribution for those age 55+
If you have an HSA with another bank or custodian, you can transfer your funds to the DePorre HSA's with Health Equity by completing this form.
Visit the Health Equity HSA page for more information by clicking HERE!
Life/AD&D
(800) 351-7500 | www.guardianlife.com
Discussing what might happen to your family if you were not around to provide for them isn't always the easiest conversation, but it is necessary.
To help with the task of planning for your family’s security, DePorre Veterinary Hospital provides all eligible employees with Basic Group Life Insurance and Accidental Death & Dismemberment (AD&D) coverage through Guardian.
BASIC LIFE INSURANCE
Life insurance is an important part of your financial security. Life insurance helps protect your family from financial risk and sudden loss of income in the event of your death. If you have life insurance, chances are you can take comfort in knowing that those who depend on you will be provided for.
BENEFICIARY(IES)
- It’s very important to designate beneficiaries. Taking a few minutes to designate your beneficiaries now will help ensure that your assets will be distributed according to your direction.
- Who's Your Beneficiary? Naming a beneficiary is a crucial part of electing life insurance. Also, don't forget to update your primary or secondary beneficiary if you experience a life event, such as a divorce or birth of a child.
- It is also important that you name a Primary and Contingent Beneficiary. A contingent beneficiary will receive the benefits of your life insurance if the primary beneficiary cannot. You can change beneficiaries at any time.
- You should review your beneficiary elections on a regular basis to ensure they are updated as life changes. Even if you are single, your beneficiary can use your Life Insurance to pay off your debts, such as: credit cards, mortgages, and other expenses.