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For questions regarding 2017 EarthLink benefits email benefits411@ELNK.com.

Have questions? Contact Windstream's Coordinated Health/Care.

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Medical Plans

Medical coverage is available to all employees regularly scheduled to work at least 30 hours per week and their eligible dependents. Windstream employees have several options from which to choose. The company and its employees share the cost of premiums and medical expenses.

No matter which Windstream medical plan you choose, the benefits covered by each option are the same, and each offers the same large network of providers. Through these plans you are eligible for preventive care such as blood pressure and cholesterol tests, mammograms, colonoscopies, screenings for osteoporosis, vaccines and well-woman visits — all at no cost to you! Be sure to follow the recommended age guidelines outlined in the medical summary plan description when scheduling your preventive care.

MEDICAL PREMIUMS PER PAY PERIOD


You do not have co-pays and you are not required to get a referral for a specialist. You can see any doctor you want, however, you should still use in-network providers and the most appropriate type of care (primary care, specialist, urgent care, or emergency room) for the best value. It is important to educate yourself about costs before you go. In addition, you should consider adding what you save from your monthly premiums to a Health Savings Account (HSA) for advantages of tax-savings and convenience. 

Resources for Making Decisions

What to expect when you go to the doctor

Your doctor will ask to see your new card on your first visit. The office will bill UMR for your visit, and you will get a statement showing the cost of the visit that will be applied toward your deductible and the discount applied through UMR. Your doctor will send you a bill for the balance. You will be responsible for the full-cost until your deductible is met. Your doctor may bill you up-front if your deductible hasn’t been satisfied. Here’s how it works. 

Be prepared. Not all hospitals and surgeons charge the same price for the same services. If you anticipate extensive medical care or are planning an elective surgery, you can review the average cost of most services, and the quality of the facilities before you make an appointment. Take advantage of the Health Cost Estimator at windstreamhealth.com to help you plan. 

No matter which medical plan you choose, the benefits covered by each option are the same, and each offers the same large network of providers. Through these plans you are eligible for preventive care such as blood pressure and cholesterol tests, mammograms, colonoscopies, screenings for osteoporosis, vaccines and well-woman visits - all at no cost to you! Be sure you use an in-network provider and follow the recommended age guidelines outlined in the medical summary plan description when scheduling your preventive care.

Enroll in a Health Savings Account (HSA) for additional financial protection

While getting preventive care and doing your best to stay healthy are important first steps toward keeping medical costs down, anyone can face unavoidable health conditions and expenses. That’s why it’s important to plan ahead. A Health Savings Account (HSA) offers an opportunity to save tax-free today so you’ll be prepared in the future. An HSA is a unique account type permitted by the IRS that can be used with Windstream’s Consumer Health Plans. In addition to having pre-tax contributions, earnings are also tax-free, and the use of funds for qualified medical expenses is not taxable income. It’s a triple win from a tax standpoint!

The Consumer Medical Plan paired with a Health Savings Account voluntary contribution gives you the flexibility to pay for qualified medical expenses now or save for future qualified expenses to use later or after you retire. See the My Wealth section for more detail.

Medical Plan Terms You Need to Know 

Deductible – The amount you owe before your health insurance plan begins to pay. The deductible may not apply to all services.

Embedded Deductible – For the Consumer 6000 and 6300 plans, this is equal to the employee only plan deductible for any covered person on an employee + family member plan. This means a single member of your family can meet the embedded deductible and enter the coinsurance phase without all covered members reaching the full plan deductible.

Coinsurance – Your share of the costs after the deductible is met. You may receive an added coinsurance benefit for preventive prescription care. See description below.

Out-of-Pocket Maximum – The most you pay during the year before Windstream begins to pay 100% of the allowed amount.

In-Network – A provider who has a contract with your health insurer or plan to provide services or prescriptions to you at a discount. You will likely pay extra for out-of-network usage and can be balance-billed by the provider.

Preventive Medical Care – Windstream health plans cover a set of preventive services at no cost to you even if you haven't met your deductible. Covered preventive care services include biometric screenings, mammograms, colonoscopies, vaccines and well-woman visits. Be sure to follow the recommended age guidelines outlined in the medical summary plan description when scheduling your preventive care. For a complete list visit healthcare.gov/coverage/preventive-care-benefits.

Preventive Prescription Drugs – Certain medications are defined by the IRS as preventive. A complete preventive medication list is available at windstreambenefits.com. Preventive prescription medications are available at a coinsurance rate whether or not you have met the deductible on the Consumer 5000 and Consumer 6000 plans. The Consumer 6300 plan does not waive the deductible for these medications; therefore, you pay the full cost until you meet the deductible or out-of-pocket maximum.

Summaries of Benefit Coverage (SBC)

For all non-union employees

2017

 

2016