2019 AMIkids Benefits Guide

HOW DO I DETERMINE WHICH PLAN IS BEST FOR ME AND MY FAMILY?

SCENARIO 2: TEAM MEMBER AND SPOUSE EARNING $48,000

Diane with EE + Sp $48k

Base HDHP H.S.A. Plan

Copay H.R.A. Plan

Copay Premium Plan

Notes

Annual Plan Deductible AMIkids deposits $500 into Diane’s H.S.A.

$3,000

$4,500

$1,500

$500

n/a

n/a

Only the Base Plan is eligible for the H.S.A.

H.S.A. balance

$500

n/a

n/a

Diane gets all of her annual preventative care (mammography, blood work, physical, etc.) During her annual exams, Diane’s Dr identifies a “lump” and order diagnostic testing that then leads to investigative surgery. The BCBS negotiated claim cost totals $27k

$0

$0

$0

Preventative covered at 100% on all 3 plans!

$6,000 ($3,000 deductible plus

AMIkids covers the first $500 as part of the H.R.A. arrangement

$1,500 (deductible) plus $3,500 (20% coinsurance until Out of Pocket of $5,000 is reached then plan pays $100%)

$3,000 [20% coinsurance until Diane reaches her Out of Pocket Max of $6,000] and then the plan pays 100% of the remainder)

then Diane pays the next $4,000 (deductible) plus

$1,500 (30% coinsurance until Diane reaches her Out of Pocket of $6,000 then the plan pays 100%)

Total Diane pays out of pocket for this $27k claim

$5,500 ($6,000 - $500 H.S.A.)

$5,500 ($6,000 - $500 H.R.A.)

$5,000 ($1,500 + $3,500)

In the Base Plan, Diane uses her AMIkids H.S.A. funds. On the Copay H.R.A. Plan, AMIkids pays the first $500 of deductible expenses.

H.S.A. Balance

$0

n/a

n/a

Total Annual Medical Premiums Diane paid Diane’s total health care expenses for the year in the scenario above

$4,109.28

$5,898.48

$10,813.92

$9,609.28 ($4,109.28 + $5,500) This plan is Diane’s best option!

$11,398.48 ($5,898.48 + $5,500)

$15,813.92 ($10,813.92 + $5,000)

In this scenario, even though Diane spent $5,500 out of pocket on the Base H.S.A. Plan, her annual expenses are still lower than the other two plans.

My Health ToolKit When you’re a member of BCBS, you have one main place to find answers about your health care. My Health Toolkit is a one-stop shop for managing your health benefits—customized just for you!

Go to www.MyHealthToolKitFL.com to learn more about your coverage, check medical claims, replace your membership card, view your medical history, find a doctor or hospital and more!

Get Started Today Why wait? It’s easy to sign up for My Health Toolkit. In just a few clicks, you’ll have everything you need at your fingertips! 1. Go to www.MyHealthToolkitFL.com and select Register Now. 2. Enter the number on your membership card and your date of birth. If you don’t have your membership card, enter the policyholder’s social security number. 3. Choose a username and password. 4. Enter your email address and you are READY TO GO!

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