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
        Bargaining Unit Health Plan Amendment 01.01.08
        

Eligibility
Full-time faculty who are members of the bargaining unit 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.

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.)

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

Employee Contribution
Single Plan
$85 / month

Employee +1 Plan
$175.00/month

Family Plan
$215 / month

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:

$15.00 for generic
$30.00 for preferred brand name
$45.00 for non-preferred brand name

To view a list of pharmacies in the Medco Newtwork, call 1-800-818-0093 or click here: www.medco.com.

Palmer's Health Plan also includes a home delivery prescription drug service.  Employees pay one co-payment of $15.00 for generic; $30.00 for preferred brand name; or $45.00 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.