MNA PECSH-Represented Caregivers | Sparrow Health System Benefits

MNA PECSH-Represented Caregivers:
Health Benefit Plan Comparison

	UM Health MNA PPO plan overview	UM Health HSA plan overview	Blue Cross Blue Shield (BCBS) plan overview
Monthly Premium (payroll deduction)	High	Low	High
Annual Deductible	None	High	Lower
Copays	Lower	None after deductible met	Lower
Out-of-Pocket Maximum	Higher	Higher	Lower
Network Coverage Area	UM Health Network (with out-of-network coverage available at higher cost)	UM Health Network (with out-of-network coverage available at higher cost)	UM Health-UM Health or BCBS Network
Rx Coverage	Prescriptions can be purchased at any Sparrow Pharmacy location	Four-tier coverage after deductible with copay Prescriptions can be purchased at any Express Scripts/ESI network pharmacy, including UM Health-Sparrow, with no difference in copays	Prescriptions can be filled at any BCBS participating pharmacy
Good for Caregivers Who…	Can utilize the University of Michigan Health network	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 UM Health-Sparrow Network) Who have out-of-state children eligible for coverage

For Information Call:

Total Rewards Hotline

517-364-5333

[email protected]

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.