UNDERSTANDING HOW THE PLANS WORK
Base HDHP H.S.A. Plan
You’re responsible to pay the first dollar costs for medical services and prescriptions (Rx) until you meet your deductible ($3,000 individual/$6,000 family)
Phase 1
Once you’ve met the deductible, coinsurance kicks in for all medical services and now copays apply to Rx. That’s right, you’ll pay 20% of the cost for medical services and the plan pays the rest! You’ll pay the copay for Rx and the plan pays the rest!
Phase 2
You’ve got a maximum out-of-pocket. This amount is an accumulation of the deductible, Rx, coinsurance, and copays. Once all these costs add up to the total max out-of-pocket ($6,000/$12,000) the plan will pay 100% of all in-network, covered medical services and Rx for the rest of the policy year.
Phase 3
Copay H.R.A Plan & Copay Premium Plan
You pay the copay amount for day to day services, as stated on page 3. Your deductible applies to the additional services not covered by a copay. Once you meet your deductible your coinsurance will “kick in”.
• on the Copay H.R.A. Plan, you pay 30% of the cost and AMIkids pays 70% of the cost of the claim. • on the Copay Premium Plan, you pay 20% of the cost and AMIkids pays 80% of the cost of the claim.
The amounts you pay towards your deductible, coinsurance, copay amounts, and prescription copays apply to your out-of-pocket maximum.
Want to earn some Wellness Incent ives?
Register for one of AMIkids Wellness Programs!
Rally Wellness Program
Team members enrolled in one of the three AMIkids medical plans, have access to the Rally Wellness Program through BlueCross BlueShield at no cost to you year round!
Rally can help you get healthier one step at a time. It will show you how to make simple changes to your daily routine, set smart goals for yourself and stay on target. You’ll get personalized recommendations to get you moving more, eating better, feeling happier and you’ll have FUN doing it!
To get started, login to www.MyHealthToolKitFL.com. Once you register, select Wellness, then Rally.
Once you earn 2,000 coins, contact the Benefits Department to receive a new FitBit (while supplies last).
Real Appeal Weight Loss Program
AMIkids offers a FREE online weight loss program to ALL team members with a BMI of 20 or higher. You do not have to be enrolled in any of the AMIkids benefits to participate. Spouses and dependents over the age of 18 can also participate in Real Appeal as long as they’re enrolled in one of the three AMIkids medical plans. Real Appeal is a free, 52 week online weight loss program that is customized to what works for you! You will learn simple steps to help you transform and earn incentives along the way. You’ll have access to a transformation coach, digital tools, weekly online support group classes and a success kit full of healthy weight management tools.
To get started, login to www.amikids.realappeal.com. Once you complete ten group session, you will receive a FitBit.
(All incentives will be available year round while supplies last and are taxable and subject to federal and state withholdings)
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