MEDICAL & PRESCRIPTION
HEALTH PLAN PREMIUMS
You have two medical plan options for health care coverage: the Traditional Health Plan (THP) and the High-Deductible Health Plan (HDHP).
WEEKLY PREMIUM
1 TOBACCO-FREE CREDIT
2 TOBACCO-FREE CREDITS
THP
Associate Only
$51.45
$39.45
N/A
Associate + Spouse
$103.95
$91.95
$79.95
Features included in both plans: • One ID card for both medical and prescription coverage • Majority of medical premiums paid by Averitt on your behalf
The Traditional Health Plan (THP) covers many office visits and prescriptions with a flat copay, including labs, X-rays, ultrasounds and surgeries performed and billed by the physician’s office. Simply pay your copay, and the plan will cover the rest of the cost. The High-Deductible Health Plan (HDHP) has a higher deductible and lower weekly rates than the THP. When you enroll in this plan, you can open an HSA and set aside tax- free dollars to pay your out-of-pocket medical, prescription drug, dental and vision expenses. You also receive HSA contributions from Averitt, and any unused HSA funds carry over from year to year.
Associate + Child(ren)
$71.40
$59.40
N/A
Family
$127.05
$115.05
$103.05
WEEKLY PREMIUM
1 TOBACCO-FREE CREDIT
2 TOBACCO-FREE CREDITS
HDHP
• In- and out-of-network coverage • Individual and family deductibles • Coinsurance • Out-of-pocket maximums
Associate Only
$42.00
$30.00
N/A
Associate + Spouse
$85.05
$73.05
$61.05
Associate + Child(ren)
$56.70
$44.70
N/A
Family
$101.85
$89.85
$77.85
• In-network access to the BlueCard PPO network, a group of doctors that BCBS works with to provide care at a discount • Teladoc virtual medical care • Coverage for 30-day and 90-day prescription supplies Both plans are also “embedded,” which means that an individual covered under a family plan will not pay more than the individual deductible and the individual out-of- pocket maximum. However, the family’s medical costs may be combined to meet the family deductible and out-of- pocket maximum.
Weekly premiums are deducted pre-tax , saving you even more money. $12 weekly credit applies to associate and spouse each for non-tobacco use in 2023.
Quick tips to help you continue to choose well, all year long.
Using a provider in the BlueCard network means you’ll pay less for care. If you use an out-of-network provider, you will not only pay the most for care, but you may even receive an additional bill from the provider for the difference between their charge and what the Averitt plan pays (balance billing). Be aware that your network provider might use an out-of-network provider for some services, such as lab work, so check with your provider before you receive services. 90-day prescriptions are often less expensive and can even be delivered straight to your home through Express Scripts. However, keep in mind that certain specialty and brand-name prescriptions may need authorization from your physician before you can fill them.
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