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Your 2016 medical plan options
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The primary options for your medical coverage in 2016 are:
  • Blue Cross Blue Shield High-Deductible Health Plan with Fidelity Health Savings Account, available nationwide
  • Blue Cross Blue Shield PPO, available nationwide
  • Cigna Copay Plan or one of two regional HMOs, as available in your area.
Blue Cross Blue Shield High-Deductible Health Plan (HDHP) and Fidelity Health Savings Account (HSA)
  • Available nationwide.
  • Operates similar to the PPO, with a deductible and coinsurance.
  • Prescription drug costs are included in the annual deductible, compared to the PPO in which you immediately pay coinsurance with no deductible.
  • With the HDHP, you can also open an HSA that lets you save money tax-free, plus TI makes a tax-free contribution to your savings every year.
  • TIers hired after Jan. 1, 2012, are eligible for this option only.
  • Periodic preventive services recommended for your age and gender are covered 100 percent. No copay, coinsurance or deductibles apply. Preventive services by non-network providers are covered at 100 percent of the regional out-of-pocket reimbursement limits.
  • Read all the details here and see the 2016 premiums here.

Blue Cross Blue Shield Preferred Provider Organization (PPO)

  • Available nationwide
  • Higher premiums and lower deductible than the HDHP, with same coinsurance levels
  • Main differences from the HDHP:
    • No HSA available, so no TI contribution.
    • Prescription drugs don't apply against your deductible and have a separate out-of-pocket maximum.
  • Periodic preventive services recommended for your age and gender are covered 100 percent. No copay, coinsurance or deductibles apply. Preventive services by non-network providers are covered at 100 percent of the regional out-of-pocket reimbursement limits.
  • See the 2016 premiums here.

Cigna Copay Plan and regional HMOs
The Cigna Copay Plan has these features:

  • Available in Texas.
  • Operates similar to an HMO, with copays for most services instead of coinsurance.
  • You can use providers only in the Cigna Open Access Plus network, a nationwide network with no requirement to select a primary care provider.
  • Periodic preventive services recommended for your age and gender are covered 100 percent. No copay, coinsurance or deductibles apply. Preventive services by non-network providers are covered at 100 percent of the regional out-of-pocket reimbursement limits.
  • See the 2016 premiums here.
The regional HMOs are available to TIers in specific parts of the country. The three offered in 2013 will be:
  • HMO Blue New England — Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island
  • Kaiser HMO — Northern California
  • See the 2016 premiums here.
2016 premium increases
Premiums are increasing for most of the medical plans. See premiums.

For more details about the TI medical insurance plans, see the 2016 Health and Insurance Benefits Guide, available on this website under "Benefits Guides."

More information for your decisions
Check out the other resources on this website to analyze which medical coverage option is right for you. Annual enrollment phone support will also be available Nov. 3-17 at the TI Benefits Center, through TI HR Connect at 888-660-1411, option 1. Representatives are available 8:30 a.m. to 8:30 p.m. Eastern time, Monday through Friday, except for New York Stock Exchange holidays.

As in previous years, you'll register your choices on NetBenefits at netbenefits.com/ti.

   
For a side-by-side comparison of plan features, see pages 6 and 7 of Connect.

» Click for PDF
Connect newsletter

New for 2016
•   Better access to immunizations: In the HDHP and PPO, you'll now have better
access to preventive care such as flu shots. Go to any
network pharmacy (CVS, Walgreens, etc.) to receive
covered immunizations (subject to availability).
•   Increase in the IRS contribution maximum for an HSA.

Details here.

What if I don't enroll?
You don't have to make any changes if you don't need to. If you don't, your health benefits coverage will stay the same as your current 2016 coverage. Keep these points in mind:

 

•  

If you want to use a flexible spending account in 2016, you have to set it up during annual enrollment.

The only other time you can make changes to your benefits is when you have an appropriate qualified status change, such as marriage, divorce, or the birth or adoption of a child. You must make changes within 30 days of the qualifying event. (Starting Jan. 1, 2016, you'll have 60 days to enroll newborns or adopted children in health coverage.)

 

 
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