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ANOTHER WIN FOR FOP LODGE 5! YOUR MEDICAL BENEFITS ARE SECURE FOR THE DURATION OF THE NEW CONTRACT!
As you know, the City of Philadelphia proposed radical changes to our health benefits which could have resulted in up to $4,000.00 per year in Out of Pocket costs for each family.
NOTHING HAS CHANGED!!! The terms and conditions of your Medical Benefits are exactly the same!
Once again, President McNesby and his team did an outstanding job in protecting your benefits, as they have done in every contract in which they have been involved. The FOP and LEHB diligently worked side by side to ensure your benefits remained untouched in the new 2017 Arbitration Award.
We didn't do it alone! We needed your help to protect those benefits and you came through! The Medical Presentation was held in Liberty Ballrooms A & B, which are designed to accommodate 800 people. The room was packed and it was necessary to bring in additional chairs!
You, your family and friends clearly sent the message to the Neutral Arbitrator, "Our Police Officers have earned their benefits and deserve to have them continue unchanged!" The FOP, LEHB and all of our members stood united and together ensured security for our families throughout the next three years.
STAY IN-NETWORK! DON'T LET OUT OF POCKET COSTS AFFECT YOU OR YOUR FAMILY MEMBERS!
As you know, Police Officers make it a habit to be aware of their surroundings and to constantly evaluate locations and situations for threats. It is unfortunate that the same mindset should be used when dealing with healthcare providers and facilities.
The best advice we can offer to avoid large out of pocket expenses is to stay in the Blue Cross network. If you refer to the LEHB website, www.lehb.org look at the Blue Cross Blue Shield Summary of Benefits and Coverage, click on "Summary of Benefits 2017" you will see that if you stay In-Network, there is NO deductible and the plan pays 100% of the costs unless otherwise noted.
However, if you go Out of Network, you will be subject to a deductible ($500.00 for Single and $1,000.00 for Family) additionally, the plan will only pay 50% of the In-Network allowable rate. The following simplified example will demonstrate how your costs could be significant. (This example does not include lab fees and other customary charges which can be very significant).
A member's adult dependent goes to an out of network addiction treatment facility. Their charge per day is $2,548.16 times 30 Days for a total cost of $76,444.80.
IBC will pay 50% of the In-Network daily rate. The daily In-Network rate is $454.00, 50% is $227.00 times 30 Days equals $6,810.00 The member will be charged the $500.00 Deductible, leaving $6,310.00
The Out of Network facility charged a total of $76,444.80 IBC would pay $6,310.00. The Out of Network facility could "balance bill" the member $70,134.80
NOTE: Per the Affordable Care Act, the balance-billed portion of your out-of-pocket expenses won't be credited toward your out-of-pocket limit.
Therefore, the member could be responsible for the full balance of $70,134.80
Specific Terminology: Always ask the Provider or the Facility if they are IN the Blue Cross Network. Some Providers/Facilities try to mislead the member by saying "we accept Blue Cross" or "we accept all insurance." That does NOT mean that they are "In Network" or will accept the Blue Cross payment as payment in full. You would be subject to pay the balance.
Suicide Prevention Training
Ask a Question-Save a Life
Suicide can be a preventable cause of death. In just 2 hours, we will teach you how to save a life using the Evidence-Based QPR Method.
3 simple steps that anyone can learn to help save a life from suicide. You will learn how to recognize the warning signs of a suicide crisis and how to question, persuade, and refer someon to help.
Each year thousands of people, just like you, are saying "Yes" to saving the life of a family member, friend, colleague or neighbor.
Trainer Renee C. Cunningham, MSS, is a certified QPR Instructor, Social Worker and is currently the Associate Director At Center in the Park, a senior community in Philadelphia.
Please join us for this program
Wednesday, October 11, 2017
Sessions from 5 pm to 7 pm or 7 pm to 9 pm
Location: Penn State Abington, Lares Building
No charge with coupon code "Public Service".
Certificate of attendance listing 0.2 CEU will be awarded at the end of the program.