IUE-Represented Caregivers:
Health Benefit Plan Comparison

 

Sparrow Health
PPO Base
plan overview
Sparrow Health
PPO Plus
plan overview
Sparrow Health
HSA
plan overview
Blue Cross
Blue Shield (BCBS)
plan overview
Monthly Premium (payroll deduction) Middle of the road High Low High
Annual Deductible Middle of the road Lower High Middle of the road
Copays Higher Lower None after deductible met Lower
Out-of-Pocket Maximum Middle of the road Higher Middle of the road Lower
Network Coverage Area Sparrow Network (with out-of-network coverage available at higher cost) Sparrow Network (with out-of-network coverage available at higher cost) Sparrow Network (with out-of-network coverage available at higher cost) Sparrow or BCBS Network
Rx Coverage

Four-tier coverage

Prescriptions can be purchased at any CVS/Caremark network pharmacy, including Sparrow, with no difference in copays

Prescriptions can be purchased at any CVS/Caremark network pharmacy, including Sparrow, with no difference in copays

Four-tier coverage with copay after deductible

Prescriptions can be purchased at any CVS/Caremark network pharmacy, including Sparrow, with no difference in copays

Prescriptions can be filled at any BCBS participating pharmacy
Good for Caregivers Who… Want to pay for medical care only when they need it Want to lower their out-of-pocket costs (copays, deductibles) in exchange for moderately higher premiums (payroll deductions)

Want to pay less for healthcare and who want to control how and where they spend their health care dollars

Who want to save – tax-free – for future health care expenses

Want a wider provider network (outside of the Sparrow Network)

Who have out-of-state children eligible for coverage

 

For Information Call:

Total Rewards Hotline

517-364-5333

[email protected]

© Copyright 2021 Sparrow Health System

This is a summary of the benefits provided by each insurance carrier and it is not intended to fully describe the details of each benefit plan. Should any questions arise, the contracts in effect will take precedence.