The following options are available for medical coverage at NPCC:

1. Arkansas Higher Education Consortium (AHEC) – Administered through J.P. Farley. The College pays 100% of the premiums for employee coverage; the employee is responsible for dependent coverage.
2. State of Arkansas Employees Benefits Division (EBD) – Plans and premiums vary, depending on coverage selected. The College contributes a specified amount; the employee is responsible for the difference.
   

AHEC Health Insurance Plan – J. P. Farley, Inc. [ See JP Farley Plan Document, Revised 2007 ]
http://www.jpfarley.com

Open Enrollment 2007-State verses Farley

There are two options for this plan:

1. PPO
• There is no premium for employee-only coverage. The current premium for dependent coverage is $618 per month or $309 per pay period. Employees paid other than 24 pay periods (18, 20, 21,or 22) should multiply the monthly premium by 12 and divide by the number of pay periods to determine how much will be withheld each pay period. This rate is subject to change.
• Offers a number of In-Network providers and managed by AMCO www.amcoppo.com (AMCO PLAN). Allows Out-Of-Network at reduced coverage.
• $400 per person/$800 per family applies for both In-Network and Out-Of-Network.
• Coinsurance of 20% after deductible is met In-Network; coinsurance of 40% after deductible is met Out-Of-Network.
• Routine vision and dental not covered.
2. Indemnity
• There is no premium for employee-only coverage. The current premium for dependent coverage is $680 per month or $340 per pay period. Employees paid other than 24 pay periods (18, 20, 21,or 22) should multiply the monthly premium by 12 and divide by the number of pay periods to determine how much will be withheld each pay period. This rate is subject to change.
• Can use any health care provider.
• $400 per person/$800 per family applies.
• Coinsurance of 30% after deductible is met.
• Routine vision and dental not covered.

Prescription Drug Card is administered by Express Scripts.
Website: www.express-scripts.com.

1. Copays for retail prescriptions after deductible of $50 is met are as follows:
• $10 for generic drugs
• $25 for “formulary” brand-name drugs
• $50 for “non-formulary” brand-name drug
2. Copays for mail order prescriptions after deductible of $50 is met are as follows (90-day supply):
• $20 for generic drugs
• $50 for “formulary” brand-name drugs
• $100 for “non-formulary” brand-name drugs

State of Arkansas Health Insurance Plan – Employee Benefits Division
www.ARBENEFITS.org        

Open Enrollment 2007-State verses Farley

presentationASEOpenEnrollment2008

There are two options for this plan:

1. HMO (Health Maintenance Organization) Coverage
• Please refer to EBD website for premiums.
• Choice between Health Advantage, QualChoice or NovaSys for carrier.
• Benefits are the same regardless of carrier. Difference is in the health care providers and hospitals.
• No deductible applies.
• Co-payment of $20 per office visit to Primary Care Physician (PCP)/$25 for specialist/$100 for outpatient reatment.
• Must select a PCP to oversee all care. Cannot go Out-Of-Network.
• Two dental visits a year for preventative care with a $25 co-pay.
• One vision exam every two years for routine care with a $25 co-pay.
2. POS (Point of Service) Coverage
• Please refer to EBD website for premiums. Works like HMO when using In-Network providers and PCP. Allows Out-Of-Network using deductibles and coinsurance with no prior approval, similar to PPO plan described below.
• Choice between Health Advantage, QualChoice or NovaSys for carrier.
• Benefits are the same regardless of carrier. Difference is in the health care providers and hospitals.
• No deductible applies In-Network; $500 per person/$1,000 per family deductible apply Out-Of-Network.
• Co-payment of $20 per office visit to Primary Care Physician (PCP)/$25 for specialist/$100 for outpatient treatment In-Network; coinsurance of 30% of maximum allowable amount after deductible is met Out-Of-Network.
• Two dental visits a year for preventative care with a $25 co-pay. Must be In-Network. Not covered Out-Of-Network.
• One vision exam every two years for routine care with a $25 co-pay. Must be In-Network. Not covered Out-Of-Network.