Introduction
This employee benefits guide highlights various benefit plans offered at Cold Spring Harbor Laboratory (CSHL). As you look to make decisions regarding medical benefits for you and your family, you should be aware that the available medical plans provide you access to one of the country’s largest provider networks, United Healthcare (UHC). You also have the freedom to select any provider in their network without obtaining a referral. The UHC network includes many top- tier specialist hospitals such as Memorial Sloan Kettering Cancer Center (MSK), St. Francis, and Hospital for Special Surgery. While CSHL remains committed to providing excellent health coverage for our employees, we need your help to control our escalating health care costs. With this in mind, the design of our in-network plan is to incent participants to use doctors designated by UHC as Tier 1 doctors (doctors practicing an excellent level of quality and cost-efficiency) and also to use a freestanding network facility, rather than a hospital, for outpatient services such as radiology and outpatient surgery. Virtual visits are also available as an option to connect with some doctors via live video instead of physically going to a doctor’s office. We have arranged with MSK to offer a benefit called MSK Direct – a program that offers guided access to exceptional cancer treatment for all our employees and their family members. Please refer to page 14. The UHC Choice Tiered Plan is an in-network only plan. This means that you and your covered family members must use in-network providers in order for the services to be covered. For the coming year the co-pays and reimbursements for outpatient services will remain the same. Your costs will be minimal as long as you utilize Tier 1 providers and free-standing network facilities, not a hospital, for lab work, radiologic services, and minor surgery. The UHC Choice Plus Plan gives you the freedom to utilize providers both in and out- of-network. However, with this plan you will experience higher copayments when utilizing in-network providers, and if you utilize out-of-network providers, your out-of-pocket medical costs will be higher. As you look to decide which plan best meets your needs, please take the time to review the various plan details and research doctors on the UHC provider network on www.uhc.com. We have included the following definitions section to assist you in understanding the information throughout this guide.
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