Health Insurance - Annual Enrollment 2019

Kristen Manes  |  10/5/2018 10:41:47 PM

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Active Employees

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Retirees

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www.lsu.edu/lsufirst - Plan Homepage

LSU First is a self-insured health plan that gives you options and control over how to spend your healthcare dollars.

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There are two options: Option 1 has a higher premium, but a lower deductible. Option 2 has a lower premium, but a higher deductible you must meet before the Plan pays at the co-insurance/co-payment levels. Option 2 may be a good choice if you have rollover HRA dollars from previous plan years or if you expect to have minimal healthcare costs during the Plan Year.

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***The link to the OGB site will follow once it has been updated.

The Pelican HRA1000 includes $1,000 in annual employer contributions in a health reimbursement account for employee-only plans and $2,000 for employee plus dependent(s) plans in a health reimbursement account that can be used to offset deductible and other out-of-pocket health care costs throughout the year.

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Any unused funds roll over each Plan year up to the In-Network out-of-pocket maximum, allowing members to build up balances that cover eligible medical expenses when they are incurred.

***The link to the OGB site will follow once it has been updated.

The Pelican HSA775 offers our lowest premiums in addition to a separate health savings account funded by both employers and employees. Employers contribute $200 to the HSA, then match any employee contributions up to $575. Employees can contribute to their HSA on a pre-tax basis, up to $3,450 for an individual and $6,900 for a family to cover out-of-pocket medical and pharmacy costs.

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If you select the Pelican HSA775 plan, you must fill out a GB-79 form to open your Health Savings Account with a minimum deposit of $200 provided. Tax implications may apply for certain members.

This plan is available to Active Employees only.

***The link to the OGB site will follow once it has been updated.

The Magnolia Local Plus option offers the benefit of Blue Cross and Blue Shield’s nationwide In-Network providers.

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The Local Plus plan provides the predictability of copayments rather than using employer funding to offset out-of-pocket costs. Out-of-Network care is covered only in emergencies, and the member may be balance billed.

***The link to the OGB site will follow once it has been updated.

The Magnolia Open Access Plan offers coverage both inside and outside of Blue Cross and Blue Shield’s nationwide network. It differs from the other Magnolia plans in that members enrolled in the Open Access Plan will not pay co-payments at physician visits.

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Instead, once a member’s deductible is met, he or she will pay 10% of the allowable amount for In-Network care and 30% of the allowable amount for Out-of-Network care. Out-of-Network care may be balance billed. Though the premiums for the Magnolia Open Access plan are higher than OGB’s other plans, its moderate deductibles combined with a nationwide network make it an attractive plan for members who live out of state or travel regularly.

The Magnolia Local plan is a limited provider in-network only plan for members who live in specific coverage areas. Magnolia Local is a health plan for members who want local access, affordable premiums and a new approach to healthcare.

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Out-of-network coverage is provided only in emergencies and members may be subject to balance billing.

Vantage Medical Home HMO is a patient-centered approach to providing cost-effective and comprehensive primary health care for children, youth and adults.

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This plan creates partnerships between the individual patient and his or her personal physician. This plan includes a preferred provider network, Affinity Health Network (AHN), which has lower co-payments for certain covered services as indiciated by "AHN."

This is a Medicare Advantage plan administered by UnitedHealthcare.

Medicare Advantage plans work with Medicare to provide coverage for healthcare benefits to beneficiaries.

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***The link to the OGB site will follow once it has been updated.

The Pelican HRA1000 includes $1,000 in annual employer contributions in a health reimbursement account for employee-only plans and $2,000 for employee plus dependent(s) plans in a health reimbursement account that can be used to offset deductible and other out-of-pocket health care costs throughout the year.

Pelican HRA 1000 PicJPG

Any unused funds roll over each Plan year up to the In-Network out-of-pocket maximum, allowing members to build up balances that cover eligible medical expenses when they are incurred

***The link to the OGB site will follow once it has been updated.

The Magnolia Local Plus option offers the benefit of Blue Cross and Blue Shield’s nationwide In-Network providers.

The Local Plus plan provides the predictability of copayments rather than using employer funding to offset out-of-pocket costs. Out-of-Network care is covered only in emergencies, and the member may be balance billed.

Retirees before 3/1/15

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Retirees on or after 3/1/15

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The Magnolia Open Access Plan offers coverage both inside and outside of Blue Cross and Blue Shield’s nationwide network. It differs from the other Magnolia plans in that members enrolled in the Open Access Plan will not pay co-payments at physician visits.

Instead, once a member’s deductible is met, he or she will pay 10% of the allowable amount for In-Network care and 30% of the allowable amount for Out-of-Network care. Out-of-Network care may be balance billed. Though the premiums for the Magnolia Open Access plan are higher than OGB’s other plans, its moderate deductibles combined with a nationwide network make it an attractive plan for members who live out of state or travel regularly

Retirees before 3/1/15

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Retirees on or after 3/1/15

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The Magnolia Local plan is a limited provider in-network only plan for members who live in specific coverage areas. Magnolia Local is a health plan for members who want local access, affordable premiums and a new approach to healthcare.

Out-of-network coverage is provided only in emergencies and members may be subject to balance billing

Retirees before 3/1/15

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Retirees on or after 3/1/15

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Retirees before 3/1/15

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Retirees on or after 3/1/15

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