Health Investor HMOs

Health Investor HMOs require you to use network providers to receive benefits - no benefits are paid when you use out-of-network providers unless it's a medical emergency.

View a list of Health Investor HMOs that will be offered in 2008 and the areas where each is available. The 2008 Benefit Statement you receive in late September 2007 will show the specific HMO options available to you.

Plan Highlights

Health Investor HMOs cover all the same services and supplies as their Standard HMO counterparts. There are some key differences under the Health Investor HMO:

• If you contribute toward the cost of your coverage, your monthly insurance premiums are lower.
• If you or your covered dependents do not have other medical coverage*, you may open a Health Savings Account with a contribution from the State and can add your own contributions. You can use the HSA to pay out-of-pocket expenses like your deductible and coinsurance - now or in the future.
• For specific preventive care services, there's no deductible. For other medical services or prescription drugs, you meet the deductible before benefits begin.
• If you have family coverage, you and your dependents must meet the family deductible before the plan pays benefits for any of you as individuals. If you have an HSA, you can use it to cover 100% of your expenses while you're meeting the deductible.

*For purposes of determining whether you may open a Health Savings Account, "other coverage" includes coverage through your spouse's employer's plan, Medicare, Medicaid, a Healthcare Flexible Spending Account that covers medical expenses (like the State's Medical Reimbursement Account), or any other medical plan. You may participate in an HSA if you have a Limited Purpose Medical Reimbursement Account or enroll in the supplemental cancer, hospital or intensive care policies available to you as a State employee.