Medical Benefits

Employees get to choose coverage that meets their unique health needs, lifestyles, and budgets.

For 2024, MCDS will be offering the Individual Coverage Health Reimbursement Arrangement (ICHRA) where you will receive employer contribution to be used towards the premium cost of a qualified individual health insurance policy.

What Doctors are Included
PROVIDER NETWORK
Most insurance plans have a specific group of doctors you can see called a Provider Network. There are 4 major network types. Understanding the network type & making sure your doctor is “in network” are important for saving money.

Types of Networks Tip: Find the most affordable network with your doctors.	PPO Preferred Provider Organization	EPO Exclusive Provider Organization	POS Point-of-Service	HMO Health Maintenance Organization
Primary Care Physician (PCP) required	NO	SOMETIMES	YES	YES
Referral required to see a specialist	NO	NO	SOMETIMES	YES
"In-Network" benefits	YES	YES	YES	YES
Non-emergency "Out-of-Network" benefits	YES	NO	YES	NO
Emergency coverage	YES	YES	YES	YES

	What Your Plan Covers
NO COST PREVENTATIVE CARE	Things like annual OBGYN visits, screening tests & immunizations are covered at no costs to you.
FORMULARY	A list of prescription drugs your health plan covers & their cost to you.

Other Plan Features

HDHP

A High Deductible Health Plan offers lower premiums but has a higher deductible. They are a great way to save money if you’re relatively healthy and protect yourself from serious injuries & illnesses.

HSA

A Health Savings Account is a bank account that allows users to pay medical bills tax-free. HSAs only work with HDHPs.

	What Your Plan Costs
What You Pay	Description	Example
PREMIUM	The monthly cost of the plan	$200 a month
COPAY	A fixed amount for care	$25 for a doctor visit
DEDUCTIBLE	For things without a copay, you have to pay this amount first before insurance pays	If your plan has a $1,000 deductible, you’ll pay the first $1,000 each year
COINSURANCE	The percentage you pay after the deductible	If your bill after your deductible is $100 & your coinsurance is 20%, you pay $20
MAX-OUT OF-POCKET	The most you’ll pay in one year. After you reach this amount, insurance pays everything	If your annual max is $1,000 and you get a bill for $1M, you pay $1,000 & nothing more

Downloads

Employee Health Benefit Guide

ICHRA Explainer

Provided By

Take Command Health / ICHRA

Provider Website

https://www.takecommandhealth.com/

Customer Service

855.824.4727

Resources

Frequently Asked Questions