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Spring Harbor 2022 Renewal Comparison
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Spring Harbor Benefit Guide
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2021 vs 202 2 Benefits Comparison
Medical | Dental | Vision
Spring Harbor 2022 Medical Insurance
2022 Aetna Insurance
2022 HRA Illustration's
Base Plan
Buy-Up Plan
HDHP w/HSA
Base Plan
Buy-Up Plan
$75 $75 $40
$75 $75 $40
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
$40 $75 $75
$40 $75 $75
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
$0
$0
$0
$0
$0
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
100%
80%
100%
100%
80%
$14,000 $7,000
$14,000 $7,000
$13,100 $6,550
$2,500 $5,000
$1,000 $2,000
$15,800 (includes deductible) $7,900 (includes deductible)
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance $15,800 (includes deductible) $7,900 (includes deductible)
$13,500 (includes deductible) $6,750 (includes deductible)
$3,400 (includes deductible) $6,800 (includes deductible)
$1,900 (includes deductible) $3,800 (includes deductible)
$500 Copay + deductible, then 100% Coinsurance
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
$500 Copay + deductible, then 100% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 100% Coinsurance
Deductible; then 100% Coinsurance
$0
$0
Combined with Medical
$0
$0
$75 $45 $15
$15 $50
$45 $75 $15
$15 $45 $75
$15 $50
$100
$100
$250 / $500
$250 / $500
$250 / $500
$250 / $500
$250 / $500
$354.96 $226.91 $244.56 $77.68 $769.08 $491.64 $529.89 $168.30
$371.92 $237.76 $256.02 $82.18 $805.82 $515.14 $554.70 $178.06
$367.38 $234.92 $252.92 $60.23 $796.00 $509.00 $548.00 $130.50
Employee Only
Employee Only
Employee pays first $2,500 Employee only total = $3,400
Employee pays first $1,000 Employee only total = $1,900
HRA total = $4,500
HRA total = $6,000
Employee + Dependent(s) Employee pays first $5,000 Employee only total = $6,800
Employee + Dependent(s) Employee pays first $2,000 Employee only total = $3,800
HRA total = $9,000
HRA total = $12,000
Spring Harbor 2021 Medical Insurance
2021 Cigna Insurance
2021 DRA Illustration
Insurance Carrier:
Local Plus Plan
Open Access Plan
Either Plan
Plan Type:
In-Network Office Visit Copay - Primary Care Office Visit Copay - Specialist Care
$60 $75 $30
$60 $75 $30
$30 $60 $75
Urgent Care Copay
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
Emergency Room Care Preventative Visit Copay
$500 Copay (waived if admitted)
$0
$0
$0
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Diagnostic Testing & Blood Work
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Advanced Imaging
80%
80%
Coinsurance
80%
$14,000 $7,000
$14,000 $7,000
Employee Deductible Family Deductible
$2,200 $4,400
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance $16,300 (includes deductible) $8,150 (includes deductible)
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance $16,300 (includes deductible) $8,150 (includes deductible)
Employee Out-of-Pocket Max Family Out-of-Pocket Max
$3,350 (includes deductible) $6,700 (includes deductible)
Inpatient Hospital
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Outpatient Hospital or Facility
Prescription Drugs Rx Deductible
25% $85 $15 $45 $150
$150
$150
$85 $45 $15
Tier 1 Tier 2 Tier 3
$15 $45 $85
30 Day Supply
$0
Specialty
25% DRA Breakdown Employee Only Employee pays first $1,000 Employee then pays 20% to the $7,000 deductible Employee only total = $2,200 DRA pays 80% after the first $1,000 up to $4,800 DRA total = $4,800 Employee + Dependent(s) Employee pays first $2,000 Employee then pays 20% to the $14,000 deductible Employee only total = $4,400 DRA pays 80% after the first $2,000 up to $9,600 DRA total = $9,600
Employee Monthly Deduction Employee Only
$373.57 $238.85 $257.21 $82.76 $809.40 $517.51 $557.29 $179.31
$430.63 $275.32 $296.49 $95.04 $933.03 $596.53 $642.40 $205.92
Employee + Child(ren) Employee + Spouse
Family
Employee Bi-Weekly Deduction Employee Only
Employee + Child(ren) Employee + Spouse
Family
Spring Harbor 2021 vs 2022 Medical Plan Comparison
2021 Cigna Insurance
2022 Aetna Insurance
Insurance Carrier: Plan Type: In-Network
Local Plus Plan
Open Access Plan
Base Plan
Buy-Up Plan
HDHP w/HSA
$60 $75 $30
$60 $75 $30
$75 $75 $40
$75 $75 $40
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Office Visit Copay - Primary Care Office Visit Copay - Specialist Care Urgent Care Copay
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
Emergency Room Care Preventative Visit Copay Diagnostic Testing & Blood Work Advanced Imaging Coinsurance Employee Deductible Family Deductible Employee Out-of-Pocket Max Family Out-of-Pocket Max Inpatient Hospital Outpatient Hospital or Facility Prescription Drugs Rx Deductible
$0
$0
$0
$0
$0
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
80%
80%
100%
80%
100%
$14,000 $7,000
$14,000 $7,000
$14,000 $7,000
$14,000 $7,000
$13,100 $6,550
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance $16,300 (includes deductible) $8,150 (includes deductible)
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance $16,300 (includes deductible) $8,150 (includes deductible)
$15,800 (includes deductible) $7,900 (includes deductible)
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance $15,800 (includes deductible) $7,900 (includes deductible)
$13,500 (includes deductible) $6,750 (includes deductible)
$500 Copay + deductible, then 100% Coinsurance
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Deductible; then 100% Coinsurance
25% $85 $45 $15 $150
$150
$0
$0
Combined with Medical
$85 $45 $15
$75 $45 $15
$50 $15
$75 $45 $15
Tier 1 Tier 2 Tier 3 Specialty
30 Day Supply
$100
$0
$250 / $500
$250 / $500
$250 / $500
Employee Monthly Deduction Employee Only
$373.57 $238.85 $257.21 $82.76 $809.40 $517.51 $557.29 $179.31
$430.63 $275.32 $296.49 $95.04 $933.03 $596.53 $642.40 $205.92
$354.96 $226.91 $244.56 $77.68 $769.08 $491.64 $529.89 $168.30
$371.92 $237.76 $256.02 $82.18 $805.82 $515.14 $554.70 $178.06
$367.38 $234.92 $252.92 $60.23 $796.00 $509.00 $130.50 $548.00
Employee + Child(ren) Employee + Spouse
Family
Employee Bi-Weekly Deduction Employee Only
Employee + Child(ren) Employee + Spouse
Family
2021 DRA vs 2022 HRA Comparison Spring Harbor
2021 DRA Illustration Either Plan
2022 HRA Illustration's
Base Plan
Buy-Up Plan
$30 $60 $75
$40 $75 $75
$40 $75 $75
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
$500 Copay (waived if admitted)
$0
$0
$0
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 100% Coinsurance Deductible; then 100% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
80%
100%
80%
$2,200 $4,400
$2,500 $5,000
$1,000 $2,000
$3,350 (includes deductible) $6,700 (includes deductible)
$3,400 (includes deductible) $6,800 (includes deductible)
$1,900 (includes deductible) $3,800 (includes deductible)
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
$500 Copay + deductible, then 100% Coinsurance
Deductible; then 80% Coinsurance Deductible; then 80% Coinsurance
Deductible; then 100% Coinsurance
$150 $15 $45 $85 25%
$0
$0
$15 $45 $75
$15 $50
$100
$250 / $500
$250 / $500
HRA Breakdown
DRA Breakdown Employee Only
Employee Only
Employee Only
Employee pays first $1,000
Employee pays first $2,500 Employee only total = $3,400
Employee pays first $1,000 Employee only total = $1,900
Employee then pays 20% to the $7,000 deductible
Employee only total = $2,200
HRA total = $4,500
HRA total = $6,000
Employee + Dependent(s) Employee pays first $5,000 Employee only total = $6,800
Employee + Dependent(s) Employee pays first $2,000 Employee only total = $3,800
DRA pays 80% after the first $1,000 up to $4,800
DRA total = $4,800
Employee + Dependent(s) Employee pays first $2,000
HRA total = $9,000
HRA total = $12,000
Employee then pays 20% to the $14,000 deductible Employee only total = $4,400 DRA pays 80% after the first $2,000 up to $9,600 DRA total = $9,600
Spring Harbor Dental Comparison
2021 Anthem
2022 UNUM
Insurance Carrier:
$50 Individual / $150 Family
$50 Individual / $150 Family
Annual Deductible Calendar Year Maximum Preventive Services
$1,500
$1,500
100%
100%
80% 50%
80% 50%
Basic Services Major Services Orthodontia (dependent children only) Out-of-Network Reimbursement
$1,500
$1,500
90th UCR
90th UCR
Monthly Rates Employee Only Employee + Spouse Employee + Child(ren) Family Employee Bi-Weekly Deduction Employee Only Employee + Spouse Employee + Child(ren) Family
$85.12 $60.11 $49.78 $24.77 $22.98 $11.43 $39.29 $27.74
$24.67 $84.78 $59.87 $49.58 $22.88 $11.39 $39.13 $27.63
Spring Harbor Vision Comparison
2021 Anthem
2022 UNUM
Insurance Carrier: Network:
Blue View
EyeMed
In-Network
Out-of-Network
In-Network
Out-of-Network
Eye Exam
$10
up to $42 up to $40 up to $60 up to $80
$10
up to $40 up to $30 up to $50 up to $70 up to $70
Lenses - Single Lenses - Bifocal
$25 Copay $25 Copay $25 Copay
$25 Copay $25 Copay $25 Copay $25 Copay
Lenses - Trifocal Lenses - Lenticular
N/A
N/A
$130 Allowance, then 20% off remaining balance
$130 Allowance, then 20% off remaining balance
up to $45
up to $91
Frames
Elective Contact Lenses (in lieu of complete set of glasses) Frequency for Exam / Lenses / Frames
up to $60, Medically necessary up to $210
up to $130, Medically necessary up to $210
$130 Allowance
$130 Allowance
12 / 12 / 24
12 / 12 / 24
Monthly Rates Employee Only Employee + Spouse Employee + Child(ren) Family Employee Bi-Weekly Deduction Employee Only Employee + Spouse Employee + Child(ren) Family
$5.87 $11.75 $13.29 $20.72
$13.35 $12.75 $6.91 $19.99
$2.71 $5.42 $6.13 $9.56
$9.23 $6.16 $5.88 $3.19