Medical and Prescription Drug Coverage

What are my Medical plan options?

You can choose between three Medical plans:

  • Premium HSA – a high deductible health plan that offers an HSA. If you enroll in the Premium HSA, BHGE will make a contribution to your HSA.
  • Basic HSA – a high deductible health plan that offers an HSA. There is no company contribution to the HSA.
  • Standard Plan – a traditional medical plan with the option to enroll in a Health Care Flexible Spending Account (HCFSA).

What are the differences between the three plans?

All medical plans cover the same services and procedures; however, your deductible, coinsurance and premium rates will vary for each plan option. 

Are there Out-of-Area Medical plan options?

Yes. Eligibility is determined based on your home address. If you are eligible for an Out-of-Area Medical plan, it will be displayed as an option when you enroll for your benefits.

Who is the Medical plan carrier?

The Medical plan carrier is UnitedHealthcare (UHC). 

How do I find an in-network provider?

To find a provider you can go here.

Will I get a new Medical ID card?

Everyone will receive a new ID card for the Medical plan for 2020. In addition, your ID card from 2019 will continue to work. You will not receive a new ID card for the Prescription Drug benefit unless you enroll in coverage for the first time.

Is Telemedicine offered through my Medical plan?

Yes. All three Medical plan options offer access to Virtual Visits through UnitedHealthcare. 

How does Telemedicine (Virtual Visits) work?

You can consult with a doctor via video chat, so you and your family get the convenient care you need from home, work or on-the-go.

How does Prescription Drug coverage work?

Each Medical plan option has Prescription Drug coverage.  Each plan offers a flat dollar copay for generic medication. Brand and Non-Preferred medication will be subject to coinsurance. If you enroll in an HDHP plan you will be required to meet your deductible before the copay or coinsurance will apply.

To look up drug costs and find a pharmacy, click here.

Who is the prescription drug administrator?

CVS/caremark is the prescription drug administrator.

How can I find out if my preferred pharmacy is in the network?

Go to caremark.com or call CVS/caremark at 1-877-252-3485.

Does the prescription drug plan use the same deductible and out-of-pocket maximum as the Medical plan?

If you enroll in the Premium HSA or Basic HSA, your Prescription Drug coverage and Medical plan have the same deductible. Prescription drug costs you pay will apply to your Medical plan deductible and out-of-pocket maximum. However, the deductible does not apply to certain preventive drugs.  To review the preventive drug list, click here or visit www.caremark.com, or call 1-877-252-3485.

If you enroll in the Standard Plan, there is no prescription drug deductible.  But any prescription drug cost you pay will apply to your Medical plan out-of-pocket maximum.

Will I get a prescription drug ID card?

New ID cards will be issued to new enrollees from CVS/caremark.