Continuation of Coverage
Centura Benefits Continuation of Coverage Information
Centura Health’s Benefits Plan Year runs from July 1, 2013 through June 30, 2014. If you would like to continue your medical and/or dental coverage under the Continuation of Coverage program, you must complete the enclosed 2013-2014 Continuation of Coverage form and forward it to Centura Benefits at P.O. Box 370718, Denver, CO 80237 by May 31, 2013.
Changes to Medical Plan Options:
For the upcoming year, we will continue to offer the UnitedHealthcare HRA Medical Plan and UnitedHealthcare HSA Medical Plan. UnitedHealthcare will continue to administer these two plans. For the new year, both medical plans will offer a two tier benefit structure for physician services. Both plans will continue to offer Preferred Providers, which offer enhanced medical benefits. The Preferred Primary Care Provider network is composed of Centura Health employed physicians, Colorado Health Neighborhood physicians and all UnitedHealthcare pediatricians. UnitedHealthcare Premium designated Primary Care Providers are no longer part of the Preferred provider network unless they are a Centura Health employed physician or are participating in Colorado Health Neighborhoods. The Preferred Specialist Provider network continues to include all physicians that are Centura Health employed physicians, Colorado Health Neighborhood physicians and all UnitedHealthcare Premium designated specialists. Both plans have the same covered services, however there have been changes made to some of the deductibles, co-insurance, and prescription co-pays.
UnitedHealthcare HRA Medical Plan:
The UnitedHealthcare HRA Medical plan will have the same deductibles as the current plan year. Your deductible is waived anytime you see a Preferred Primary Care Physician from the Preferred Provider Network, making you responsible for only 20% coinsurance. After you meet your deductible, Centura pays 80% of covered expenses and you pay 20% for all preferred Provider services. Covered services by non-preferred providers are reimbursed by Centura at 60% and you pay 40%. Covered outpatient services at non-Centura facilities are reimbursed at 60% and you pay 40%. If you reached your maximum coinsurance, Centura pays 100%. Prescription copays for this plan will increase to $15, $30, and $60.
UnitedHealthcare HSA Medical Plan:
The UnitedHealthcare HSA deductible for the 2013-2014 plan year remains the same. The deductible for the UnitedHealthcare HSA Medical Plan is $1,500 for single coverage, and $3,000 for two-party and family coverage. Please note, under the UnitedHealthcare HSA Medical Plan you pay the full cost of prescription medications and mental health/substance abuse services until your deductible is met. After you meet your deductible, Centura will pay 80% of covered expenses and you pay 20% for all Preferred Provider Services. Covered services by non-preferred providers are reimbursed by Centura at 60% and you pay 40%. Covered outpatient services at non-Centura facilities are reimbursed at 60% and you pay 40%. If you reach your maximum coinsurance, Centura then pays 100% of covered expenses for the remainder of the plan year.
If you are considering the UnitedHealthcare HSA Plan, please be aware that by enrolling in this plan you may be able to open a Health Savings Account (HSA) that provides tax benefits and the opportunity to set aside monies for future medical expenses. Under Continuation of Coverage, participants in this plan do not receive any Health Savings Account contributions from Centura Health. For more information on opening an HSA, please contact your tax professional.
MetLife will continue to provide dental coverage for the 2013-2014 plan year. You may select from two dental plan options offered by MetLife. Regardless of the plan you choose, you pay no deductible for preventive services, and if you use a MetLife network dentist for preventive services there is no out-of-pocket cost to you and no dental claim to file for these services..
Making Changes to Your Plans:
You may make changes to your plans; however, you may not add dependents that were not originally covered. Additionally, you may not add medical or dental coverage if you (or your eligible dependents, if applicable) have not been covered under the plan since your termination date. For example, if you are a medical COC participant, but you did not continue your dental plan, you may not add dental coverage at this time.
Be sure to remit the correct payment for the current plan year through June 2013. Please note that the new premiums for the 2013-2014 plan year aren’t due until July 1, 2013. The address to mail the form and premium payment is:
P.O. Box 370718
Denver, CO 80237
Plan Reference Guides:
Below, you will find electronic versions of the plan reference guides that outline the details of the available plans under Continuation of Coverage. You can also find electronic copies of the materials that were mailed to you in your Continuation of Coverage Open Enrollment Packet.
If you have any questions, please contact the Benefits Service Center at 1-888-622-1111.
HSA Medical Plan
HRA Medical Plan