MNA Home Care Rehab-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
© Copyright 2024 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.