Choices . . . for health

 

At CHS, we’re focused on health – not just for our patients, but also for our employees. Choices for health gives you opportunities to take care of yourself and your family.

 

Download our Choices . . . brochure (PDF) here, or browse our benefits:

 

   •  Health
   •  Prescription Drugs
   •  Dental
   •  Flexible Spending Accounts
•  Life and Accident Insurance
•  Disability Coverage
•  Employee Assistance

 

For more information about CHS's benefits plans, contact CHS Benefits Administration at (805) 569-8970.

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Health Plan Choices

 

You have three health plan choices – Basic, Medium, or High.

 

All plans offer the advantage of the CHS PPO Network. Comprised of many of our attending physician staff and major local clinics, the CHS Network gives you access to the best providers in the County at the lowest out-of-pocket cost to you. If you prefer, you can use providers who are in the nation-wide Blue Cross PPO network or who don’t participate in a network, but you may pay more out of your pocket.

 

The differences between the three medical/vision plan choices are:

 

Feature/Benefit High Plan Medium Plan Basic Plan
Annual Plan Year Deductible
(What you pay for some covered expenses each plan year before the plan pays benefits.)
Per Person $200 $400 $600
Family Maximum $400 $800 $1,200
Annual Vision Care Allowance
Per Person $200 per plan year $100 per plan year No coverage
Monthly Cost Highest Middle Lowest

 

 

Health Plan Highlights

 

  Highest Coverage (you pay least out of pocket) Middle Range of Coverage (your out of pocket cost is in the middle) Lowest Coverage (you pay most out of pocket)

Feature/Benefit

CHS PPO Network

Blue Cross PPO

Non-PPO

Routine office visit $20 copay (no deductible) $20 copay (no deductible) After deductible, plan pays 60%; you pay 40%
Physician services After deductible, plan pays 85%; you pay 15% After deductible, plan pays 80%, you pay 20% After deductible, plan pays 60%; you pay 40%
Immunizations Plan pays 100% (no deductible) Plan pays 100% (no deductible) Plan pays 100% (no deductible)
Emergency room After $50 copay, plan pays 100% (no deductible)  After deductible and $50 copay, plan pays 80%; you pay 20% After deductible and $50 copay, plan pays 60%;
you pay 40%
Inpatient hospital stay

CHS facility: Plan pays 85%-100% (no deductible)

CHS PPO facility: Plan pays 85% (deductible applies)

After deductible, plan pays 80%; you pay 20% After deductible and $300 per admission copay, plan pays 60%; you pay 40%
 Lab and X-ray

CHS facility: Plan pays 85%-100% (no deductible)

CHS PPO facility: Plan pays 85% (deductible applies)

After deductible, plan pays 80%; you pay 20% After deductible, plan pays 60%; you pay 40%
Acupuncture/ Chiropractic After deductible, plan pays $25 per visit (maximum 20 visits/year) After deductible, plan pays $25 per visit (maximum 20 visits/year) After deductible, plan pays $25 per visit (maximum 20 visits/year)

 

 

Prescription Drugs

All CHS health plans have the following prescription drug benefits:

  • Retail – For up to a 30-day supply, you pay the greater of 30% or $5 per generic or $10 per brand name
  • Mail Order – For up to a 90-day supply, you pay 30% of the discounted cost. Minimum and maximum copayments apply.



Dental Plan Choices

You have the choice of a Basic or High Plan. Both plans give you the option of using providers in the:

  • Delta Dental Premier Network, made up of all Delta providers,
  • Delta Dental Preferred Option (DPO/PPO), a smaller network offering lower cost care, or
  • non-PPO providers, for which you’ll have the highest out of pocket costs.


The following chart shows how the two plans are alike and different.

 

Features/Benefits that Differ by Plan High Plan Basic Plan
Maximum Annual Benefit $1,500 per person $500 per person
Orthodontia (For adult or child) Plan pays 50% of charges, up to a lifetime maximum benefit of $1,500 Not covered

 

Features/Benefits That Are the Same for Both Plans
Annual Deductible $50 per person

Preventive Care (exams, cleanings)

•  Delta Premier and DPO/PPO
•  Non-PPO

•  Plan pays 100%, no deductible required

•  After deductible, Plan pays 90%

Basic Treatment (fillings, oral surgery, extractions)  
•  Delta Premier and DPO/PPO
•  Non-PPO

•  Plan pays 80%, no deductible required

•  After deductible, Plan pays 70%

Major Treatment (crowns, restorations)  
•  Delta Premier and DPO/PPO
•  Non-PPO

•  After deductible, Plan pays 60%

•  After deductible, Plan pays 50%

 

 

Flexible Spending Account (FSA) Choices

You can use the Health Care FSA to reimburse up to $5,000 a year in eligible health care expenses tax-free. The Dependent Care FSA lets you save taxes on up to $5,000 a year in eligible dependent care expenses. Contributions are taken from each paycheck throughout the year before taxes are withheld.

 

 

Life and Accident Insurance

CHS provides you with basic life insurance of one times your salary and basic accidental death and dismemberment (AD&D) insurance of two times your salary. If you wish, you can purchase additional life insurance for yourself, life insurance for your dependents, and additional AD&D coverage for yourself and your family.

 

 

Disability Coverage Choices

CHS provides you with core long-term disability coverage that will replace 50% of your monthly salary after you have been disabled for 180 days. If you wish, you may purchase voluntary short-term disability coverage and/or voluntary long-term disability coverage that will replace more of your salary.

 

 

More Choices for Health

CHS offers these additional choices for health.

  • Employee Assistance Program (EAP), which provides free counseling to help you and your dependents deal with personal issues
  • Onsite Seated Massage to help ease the stress involved in being a health care provider.