HEALTH PLAN:

        Commonly Asked Questions-PPO
        Commonly Asked Questions - Benefits
        Commonly Asked Questions - COBRA
        Deductible
           Eligibility
        Employee Contribution
        Health Insurance Claim Forms
        PBA
        Networks
        Prescriptions
        Routine Physical Exams Benefit
        Summary Plan Description
        Non Bargaining Health Plan Amendment 01.01.08
        

Eligibility
Full-time employees working at least 32 hours a week are entitled to the health plan. An Employee will be covered under the plan the first day of the month following 30 days of employment.

Deductible
The health insurance plan carries a $300 deductible for single coverage, $600 for employee plus one,  and $900 for family coverage per calendar year.

Employee Contribution

$90/month - Single
$180/month - Employee + 1
$255/month - Family 

The cost of coverage is deducted pre-tax from the employee’s paycheck in equal installments each pay period. 

Networks
The Midlands Choice Network is the Preferred Provider Organization (PPO) associated with the plan for the Davenport, IA campus. A national network, Private Healthcare Systems (PHCS), is also available to employees and covered dependents living or traveling outside the area. Network provider information can be obtained by calling 1-800-605-8259 or by clicking on either of the links above.

Once enrolled, employees have both the PPO and non-PPO services available to them. Within the network the employees may choose from a list of participating doctors, hospital and treatment centers. Employees receive 90% co-insurance for utilizing the preferred provider program after the standard deductible is met.   If the employee chooses a non-PPO provider, the co-insurance is 60% after the deductible is met.

PBA (Professional Benefit Administrators)
PBA is Palmer’s third party administrator for the Health Plan.

Prescriptions

Medco is the administrator of the Pharmacy Benefit Plan for Palmer College of Chiropractic. Questions regarding pharmacy benefits should be directed to Medco Member Services at 1-800-818-0093.

Palmer's health plan includes a prescription drug card  usable at any retail pharmacy in the Medco Network.  Co-pays for prescriptions include $15 for generic , $30 for preferred brand-name , and $45 for non preferred brand-name. To view a list of pharmacies in the Medco Network call 1-800-818-0093 or click here.

Palmer’s health plan also includes a home delivery prescription drug service. Employee pay one co-payment of $15 for generic , $30 for preferred brand-name, and $45 for non-preferred brand name for each prescription, up to a 90 day supply. To receive prescriptions via mail, a Registration and Order Form must be completed and sent to the address on the form along with a prescription from your physician authorizing the medicine to be dispensed in a 90 day supply.

Routine Physical Exams Benefit
First dollar 100% coverage for ‘preventative/routine’ exams up to $300 per year per person is included in Palmer’s health plan.