Traditional and Innovative Health Insurance Plans
The benefits with your Planstin Plan depends on your chosen plan.
HSA $ Listed Below is INCLUDED in the cost of your Premium.
Rates Below are Total Rates. We help determine best strategy for Employer participation in rates below.
Pairing with Zion HealthShare means no deductible to meet, rather for any qualifying expense (see Zion HealthShare member guidelines), you pay the first $1K (known as your Initial Unshareable Amount or IUA) of qualifying medical events and the HealthShare pays the rest. After you pay 3 IUAs, in a 12 month period, any other major event over $500 is paid by Zion HealthShare w/o requiring another $1K IUA. More money can go to HSA in HSA Plan or a Copay plan can be chosen. All Preventive is care 100% covered. Telemedicine is free. Rx Discount..
If an illness or injury exists that a person with Zion HealthShare coverage has been examined, diagnosed, taken medication, had symptoms or received medical treatment in the last 24 months , these medical needs will qualify for sharing by Zion HealthShare per the Pre-Membership Medical Condition Phase-In Period. Expenses related to mental health are not shareable with Zion HealthShare, but Amaze Tele-Mental Health can be added as a strong compliment for improving mental health and prescriptions are covered through Planstin.
Learning Curve: With these plans you present yourself as a “Self-Pay” Patient for anything that is not preventive coverage and pay for the coverage or the first $1K IUA using your HSA (if applicable). You have responsibility to learn the Zion HealthShare Member Guidelines. These innovative plans have Health Savings Account dollars built into the premium that you will receive in your HSA and can use for any qualifying medical expense! Note: High blood pressure, high cholesterol, and diabetes (types 1 & 2) are not considered pre-membership medical conditions as long as 1. no hospitalization for the condition in 12 months prior to joining and 2. the member is able to control the condition through medication or diet.
Your Planstin Plan can be used for:
Preventive Care
Copays (except HSA Plan)
HSA Acct (If HSA Plan selected)
Rx Coverage & Savings
Remember any medical conditions over $1,000 that are not classified as pre-membership needs will be covered by Zion HealthShare if selecting a plan that includes Zion HealthShare.
Pros: Similar to other all insurance offerings that have a fairly high deductible, potential for either an HSA or a Copay Plan and no need to ever present yourself as a self-pay patient. Has Telemedicine, Rx Savings up to 75% with Rx Out of Pocket Limits. All preventive is 100% covered. No network restrictions.
Cons: Significantly less money will be contributed by your company into your HSA with these options. If a major medical event occurs you will paying towards a much higher deductible than the $1K IUA with Zion HealthShare.
Learning Curve: None really. It is generally the more expensive option but may be the best option if dealing with a pre-existing condition or have had an event in the last 24 months that will only be covered according to the Zion HealthShare Pre-Membership Medical Condition Phase-In Period.
Planstin Contact Info
Member Services 888-920-7526 or
member@planstin.com
Claims Fax 435-631-9478 or
claims@planstin.com
1. If an emergency, get emergency care. Inform hospital you are a “self pay” customer. You can submit your need after you receive needed care.
2. If your need is over $1,000 and is a scheduled procedure, a surgery, or maternity, submit your need before the event by clicking “Medical Need Request” below.
3. Needs are required to be submitted within 6 months of the date care was received.
You can use any network, hospital, or doctor with Zion
Healthshare for your need over
$1,000 as long as your need is
not a pre-membership medical
condition
Hospitalization
Surgery
Critical Illness
Maternity
Quick questions to determine pre-membership needs
1. Is your current medical need request related to an illness that presented symptoms prior to membership?
2. Did your injury happen prior to membership?
3. Are you currently on any medication related to this condition?
4. Did you see your doctor or have testing done prior to membership for this condition?
Year Three: $50,000 max per need
needs@zionhealth.org
Disclaimer: Zion HealthShare is not health insurance, nor is it a discount healthcare program, and it is not regulated by state insurance codes. Your membership with Zion Healthshare is voluntary, as is any financial assistance provided by the community. Though the community aims to help all members with eligible needs, you are ultimately responsible for paying your medical bills.
Open Market Plans are traditional insurance plans that are similar to other group insurance offerings. The plan you choose will determine your monthly premium, deductible, max out of pocket and other plan benefits. Copay or HSA plans are available.
These plans are especially excellent when pre-existing conditions are a consideration regardless of income. However, depending on the household income, a government subsidy may be available. In addition, your company offers a taxable stipend to you (see above) if you choose to receive your health insurance on the open market. You will pay for the monthly premium for these plans using your own personal credit or debit card rather than through payroll.
Cons: Significantly less money will be contributed by your company into your HSA with these plans. If a major medical event occurs you likely will be paying towards a much higher deductible than the $1K IUA with Zion Healthshare.
Your HCap and Omni representative can help you navigate to the plan that is the best fit for your circumstances.
The mission of Doable Wellness is to increase motivation to live a healthier life by providing incentives and tools that make healthy behaviors doable.
See all of the great tools available to you as part of your HCap Health Strategy by clicking below:
Your plan may include a Health Savings Account. Contributions can be made to this account per the chart below. Some contributions may be included in your health plan. Some contributions may be included due to your healthy behaviors through Doable Wellness. You can take full advantage of your HSA by adding additional contributions per the limits below. All HSA Contributions are tax free and can be used for any qualified medical expenses (click below).
Health Equity Bank Contact Info
Member Services 1 (866) 346-5800 or www.healthequity.com
Contact Info
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