Medical Insurance

The Cornell College Health Care Plan and High Deductible Health Care Plan are administered through First Administrators, Inc and offers the Select First and PHCS networks. Prescription drug benefits are included with the medical insurance coverage and is administrated through Caremark.

Eligibility:

First of the month following a benefit-eligible employee’s date of hire. When the first day of employment falls on the first day of the month, the employee is eligible to participate in the plan on that date. Employees may change their health coverage election during open enrollment that is effective with the plan year beginning January 1. In addition, employees may change their health coverage election after experiencing one of the following qualifying events: marriage, divorce, birth, adoption, death or loss of coverage elsewhere (for a complete listing, contact the Human Resources Office).

Cost:

Health Plan

High Deductible Health Plan (HDHP)

*Employee contribution is deducted on a pre-tax basis from the employee’s regularly scheduled paychecks.

*+$25 if not participating in wellness program

Highlights of the High Deductible Plan:

• Plan requires a deductible of $2,500 per person; $5,000 per family 
• Preventative care is payable at 100%, not subject to deductible
• After deductible is met covered services are paid at 100% for the rest of the calendar year (no co-payments, no co-insurance) 

Plan design differences:

• Preventive and Well-Baby Care covered at 100% under the HDHP with no calendar year limit - regardless if deductible is met
• No 4th quarter (Oct - Dec) carry-over deductible provision under the HDHP
• Colonoscopies will be covered at 100% if marked as preventative, if marked with a diagnosis code it will be subject to the deductible under the HDHP

Health Care Coverage Information:

Health Insurance Summary Sheets for regular, PPO plan (taken directly from the Regular Health Insurance Summary Plan Description Booklet - please refer to the booklet for more detailed information)

High Deducible Health Insurance Summary Sheets (taken directly from the HDHP Summary Plan Description Booklet)

First Administrators website

This website provides additional information on the Cornell College Health Care Plan administered through First Administrators, Inc (FAI). You can locate a doctor or hospital, and view your personal claims information. (For registering: group number is 32800.)

If you have trouble logging into your account or setting up an account, please contact FAI at 1-800-658-3073.

Coverage Advisor - this tool is used to assist you in deciding which health plan is best for you

Case Management Information sheet

Caremark Preferred Brand and Generic Medicines Sheet

About Caremark Mail Service

Caremark Mail Service Order Guide

For mail service help, call 1-877-860-6415

Phone number for doctor's calling in prescriptions: 1-800-378-5697

Fax number for doctor's faxing in prescriptions: 1-800-378-0323

Caremark Website Support: 1-800-378-9443

Wal-mart/Sam's Club $4 Prescription Drug Program

Have a Health Insurance Question?

Forms:

Enrollment Application & Change Form

Caremark Mail Service Order Form

Medical Claim Form (i.e.: Out of Network claims)

This summary is not intended to be a complete description of your benefits. Please consult your summary plan description and/or insurance certificate for additional details including plan limitations and exclusions. The master plan documents will prevail.