HEALTH PLAN:
Commonly Asked Questions - Benefits
Commonly Asked Questions - COBRA
Eligibility
PPO Plan
        Deductible
        Employee Contribution
        Health Insurance Claim Forms
        PBA
        Network
        Prescriptions
        Health Summary Plan Description
Kaiser
        Employee Contribution
        Member Services
        Health Plan Summary

Eligibility
Full-time employees working at least 25 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.
Dependent coverage will take effect on the day that the Eligibility Requirement is met. A dependent is considered an employees spouse or child. (See the Summary Plan Description for the definition of a dependent.)

PPO Plan

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
Employee Only - $90/month
Employee + One - $180/month
Family - $255/month

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

Network
The Beech Street Network is the nation-wide Preferred Provider Organization (PPO) associated with the plan for the  PCC West campus. Network provider information can be obtained by calling 1-800-937-2277 or by clicking on the link 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.

PCCW - San Jose, CA Employees Send claims to:
Beech Street Corporation
PO Box 57015
Irvine, CA 92619-7015

Prescriptions
Medco is the administrator of the Pharmacy Benefit Plan for Palmer College of Chiropractic West. Questions regarding pharmacy benefits should be directed to the customer service call center 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 mail order 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.

Kaiser - www.kp.org

Employee Contribution
Employee Only - $90/month
Employee + One - $180/month
Family - $255/month

Member Services
Participants may contact Member Services for questions regarding ID Cards, Explanation of Benefits, Coverage, and Claims for out of Plan Emergencies
1-800-464-4000 (English)
1-800-788-0616 (Spanish)