UAW-Represented Caregivers | Sparrow Health System Benefits

UAW-Represented Caregivers:
Health Benefit Plan Comparison

	Sparrow Health PPO plan overview	Sparrow Health PPO Base plan overview	Sparrow Health HSA plan overview	Blue Cross Blue Shield (BCBS) plan overview
Monthly Premium (payroll deduction)	Higher	Middle of the road	Low	High
Annual Deductible	Lower	Middle of the road	High	Lower
Copays	Higher	Higher	None after deductible met	Lower
Out-of-Pocket Maximum	Lower	Middle of the Road	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	Three-tier copays	Four-tier coverage 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	Co-share, not Copays Prescriptions can be filled at any BCBS participating pharmacy
Good for Caregivers Who…	Want to pay more in premium and less out of pocket	Want to pay for medical care only when they need it	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]

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.