Scott and White Health Plan (SWHP) and Baylor Scott & White Quality Alliance (BSWQA) have grown our Tier 1 Network by 50% over the past two years. This means expanded access to high-quality providers in more convenient locations. Click here to learn more about the network.
Our exclusive Tier 1 Network is always the best value. Tier 1 providers commit to, and are accountable for, providing quality, efficient and cost-effective care. Their proven track records are why we can provide enhanced benefits for Tier 1 care. BSWQA providers are held accountable for delivering quality and efficient care. Staying in-network when seeking care can save you money on copays and out-of-pocket expenses.
Get care when and where you need it. Similar to last year, the costs of E-Visits are waived* for 2018. These email visits help you get basic care when it fits your schedule.
*Waived cost for E-Visits doesn’t apply until after the deductible is met for HSA plan participants.
The HRA plan is our most popular medical plan. We’ve listened to your feedback and in 2018, the plan will be easier to use than ever before! We’re adding copays for Tier 1 and Tier 2 primary care physician and specialist visits. You can use your HRA dollars for all expenses incurred under the Tier 1 network. Tier 2 and Tier 3 office visits to a primary care physician, specialist or urgent care are not eligible for HRA payment. A rollover maximum equal to two times your annual Tier 1 deductible will apply, effective Dec. 31, 2018.
Premiums (paycheck deductions)We are adding additional income tiers in 2018.
DeductiblesTier 1 deductibles are holding steady for 2018! As a reminder, you always save the most on copayments, coinsurance and out-of-pocket maximums when you receive your care from a Tier 1 provider. Deductibles for Tier 2 and Tier 3 will increase. Tier 2 and Tier 3 providers have limited abilities to coordinate your care as effectively as those in Tier 1 (thanks to the Baylor Scott & White Quality Alliance). Receiving care from a Tier 1 provider always offers the best value.
Emergency room coverageIt's no surprise emergency room care is costly, both for patients and providers. All individuals needing medical treatment are encouraged to use the proper site of care based on their condition. In 2018, we are adjusting the way these visits are covered:
Dental coverageDental rates are lower for all plans through MetLife. Also, the PPO Plus plan now covers implants!
New Employee Assistance Program providerUnum is our new Employee Assistance Program (EAP) administrator. You’ll continue to have access to face-to-face counseling visits, telephonic visits, legal services and so much more. The EAP is available at no cost to all employees and covered dependents. No enrollment is necessary. To learn more, please call 800-854-1446 or visit lifebalance.net (user ID and password: life balance).
Short-term disability ratesOur short-term disability plan remains the same, but rates increase by just 0.08%. Think carefully before you waive your short-term disability coverage. When an illness, injury, new baby or other eligible event requires time away from work, short-term disability will replace part of your pay. If you are not already enrolled in this benefit and would like to add it, you must complete evidence of insurability.
Great news! From Nov. 13 to Dec. 10, employees eligible for paid time off (PTO) can take part in selling or donating extra PTO.
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*Due to IRS regulations