Open Season is from Nov 8th to Dec 13th 2010.
Thinking of changing health plans keep in mind that premiums are but one aspect of your health care costs: benefits are equally important.
Evaluate each plan to your past medical history and your anticipated medical needs for the coming year. Also make the same considerations for your eligible family members.
Review deductibles, coinsurance and co-payments. Some plans have separate deductibles for major medical and specialized-care expenses. Some plans may substitute coinsurance for copayments. Review health plans' catastrophic protection limits and which of your out-of-pocket cost count toward those limits.
If prescription drug coverage is a major part of your health care, then you want to look at a plan's out-of-pocket expenses for generic as well as brand name or specialty drugs. You also should pay attention to the difference in amounts and cost of ordering prescriptions by mail and the cost for using your neighborhood retail pharmacist.
Coverage Extension for Dependents up to Age 26 Requirements
On March 23, 2010 the Affordable Care Act, Public Law 111-148 was signed into law. As a result of this law, children will be eligible for health coverage under their parent's Self and Family enrollment up to age 26. This law allows married children to be covered, removes dependency requirements, removes residency requirements, and does not require a child to be a student or have prior or current insurance coverage to be placed on their parent's Self and Family enrollment. For the FEHB Program, this provision is effective January 1, 2011.
NALC Health Plan Premium Rates for 2011
Active Postal Employees High Self is $51.56 a pay period.
Active Postal Employees High Family is $100.57 a pay period.
Non-Postal Employees High Self is $160.64 monthly.
Non-Postal Employees High Family $327.32 monthly.
Robert M Hinton 1-303-499-4189
Health Benefit Plan 1-888-636-NALC
Precertification 1-877-220-NALC
Prescription Drug Program 1-800-933-NALC
ADDITIONAL NALC HEALTH BENEFIT PLAN CHANGE/IMPROVEMENT INFORMATION:
WWW.NALC.ORG 703-729-4677 or 888-636-6252
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