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Gather – a list of doctors, hospitals and medications for everyone you coverInvestigate – your options by reading the Benefit Decision Guide and contacting the health plans you’re considering. Find out if your doctors and hospitals are in the network. Find out the copay tiers of the providers. Find out if your prescription drugs are in your plan's formulary and what copay tier they are in. Finally, find out the total expected costs you could incur.Choose - your health plan and return the necessary completed forms to your GIC coordinator (if you are an active employee) or to the GIC directly (if you are a retiree) no later than Wednesday, May 2, 2018.
Limited network plans help address differences in provider costs. You will enjoy the same benefits as the wider network plans, but will save money because limited network plans have a smaller network of providers (fewer doctors and hospitals). Your savings depend on:
For example, if you pay 25% of the premium and have individual coverage, by enrolling in the same health plan’s limited network option instead of a wide network option, you will save, on average, $45.72 per month and $548.67 per year.
See the health plan pages for rates to determine what the savings would be for the plans you are considering.
Find out if your hospital is in a GIC limited network plan
Download a side-by-side comparison of the five limited network plans and their participating hospitals at the bottom of the page.
For participating physician and other provider details, contact the individual plans by phone or visit their website.
The GIC’s limited network plans are:
If you don’t want a limited network plan, take a look at NHP Prime and UniCare State Indemnity Plan/PLUS.
Once you choose a plan you, cannot change health plans during the year, unless you move out of the plan’s service area. If your doctor or hospital leaves your health plan, you must find a new participating provider in your chosen plan.
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