Medical

Tools and Resources



POS PLAN OVERVIEW

The POS Plan works more like a conventional medical plan where members pay co-pays for some services (co-pays are fixed fee amounts that you pay at the time you receive services). The Plan also uses co-insurance for some services (co-insurance is the portion of expense you must pay for care, in most cases, after meeting your deductible).

The deductible is a set amount that typically you must pay before co-insurance starts.

The POS Plan allows members to receive services from a national network of providers and facilities. It is an open access plan that:

With the POS Plan, your monthly/bi-weekly contribution is higher than with the HSA Plan, but your annual deductible is lower. You cannot open a Health Savings Account (HSA) or receive HSA contributions from Emory.

You do have the option of enrolling in a Healthcare Flexible Spending Account (FSA) which allows you to set aside up to $2,550 pre-tax dollars to help pay for medical expenses.

EHN and In-Network preventive care is covered at 100% and is not subject to the deductible. For all other medical services, the plan pays a portion of your covered expenses:

Office visits are covered with a co-payment. Prescription drugs are now covered through co-insurance (see prescription drugs).

The POS Plan also has an out-of-pocket maximum to protect you in the event you have significant medical expenses during the year. The out-of-pocket maximum  includes all co-pays, as well as deductibles and co-insurances, such as prescription drug costs and office visit co-pays.

 


COST OF THE POS PLAN

For a summary of costs and network comparisons, view the 2017 Medical Plan Comparison Chart. For employee contribution rates, see cost.

INCENTIVES: POS Plan members can earn financial incentives by participating in a variety of health-related activities. The incentives are a credit against your deductible or co-insurance. For more information, see incentives.

 


PRESCRIPTION DRUGS

For information, see prescription drugs.