3. Due to unavoidable circumstances, the UHC plans offered earlier this year were cancelled January 31,
2018.
Enrolled employees have had health insurance coverage continuously since January 1, 2018.
plans were effective January 1 through 31. Blue Cross Blue Shield plans were effective
2018.
In order to get health insurance in place as soon as possible for employees, we elected to go with
Blue Cross Blue Shield of Texas and the most comparable plans available.
All enrolled employees were covered by the original UHC plans January 1 through January 31, 2018.
If you spent money on health care during January, please submit copies of the receipts to info@cpr-
aso.com. All claims submitted and denied for lack of coverage will be automatically reprocessed by
UHC as soon as possible.
If you spent money on health care in February, please send a copy of your receipt to info@cpr-
aso.com. These claims will be processed as soon as the BCBS systems are set up. This includes claims
for medical care as well as prescriptions.
4. Employees who were enrolled in the UHC plans have been automatically enrolled in the following
plans:
All employees who enrolled in the UHC plans were enrolled in BCBS Blue Choice Silver PPO 845:
$6,000/$12,000 deductible
$7,350/$14,700 out-of-pocket
Employees enrolled in the RSLI Limited Medical plan are not affected by these changes.
5. All employees may enroll or switch to and from any plans until March 30, 2018.
If you wish to enroll or switch plans, please contact Pat Bakeman at 816.503.3116 or
HRAdmin@outwestexpress.com by March 16, 2018.
All claims submitted February 1 through March 31 will be processed
on the plan in which you are enrolled March 31, 2018.
If you do not wish to be enrolled in health coverage, there is no need to waive coverage.
NOW is the time to make any changes to any of your benefits for 2018!!
6. Two types of Major Medical Plans. PPO (Preferred Provider) and HMO (Health Maintenance
Organization)
PPO (Available in all States) HMO (ONLY Available in TX)
Can go to any provider, primary care
or specialist, in- or out-of-network.
Must use one in-network primary care
provider who coordinates all care and
keeps all of your medical records.
* must have referral to see specialist
(unless an emergency)
Will pay benefits both in- and out-of-
network (always pay less in-network).
Will ONLY pay benefits in-network.
Typically higher premium and higher
out-of-pocket amounts.
Typically lower premium and lower
out-of-pocket amounts.
**Be sure to check the directory of providers in your area (www.bcbstx.com). There may be a limited
number of choices of providers to take care of your medical needs on the HMO plans.
7. Medical: HMO (TX Only)
Advantage Gold
HMO
Employee Contribution
Employee Only $48.35
Employee & Spouse $229.24
Employee & Child(ren) $195.33
Employee & Family $367.11
Advantage Bronze HMO
Employee
Contribution
Employee Only $38.00
Employee & Spouse $130.00
Employee & Child(ren) $126.00
Employee & Family $210.00
Blue Advantage Gold HMO 822 Blue Advantage Bronze HMO 806
8. Medical: PPO (All States)
Employee Contribution
Employee Only $58.23
Employee & Spouse $252.60
Employee & Child(ren) $216.21
Employee & Family $400.84
Blue Choice Silver PPO 845 Blue Choice Silver PPO 827
Blue Choice Platinum PPO 810
Employee Contribution
Employee Only $48.35
Employee & Spouse $229.24
Employee & Child(ren) $195.33
Employee & Family $367.11
Employee Contribution
Employee Only $93.69
Employee & Spouse $336.66
Employee & Child(ren) $291.11
Employee & Family $521.86
9. HMO (Only Available in Texas)
Plan Name
Blue Advantage Gold
HMO 822
Blue Advantage Bronze
HMO 806
Primary Care Visit $25 $0
Specialist Visit $45 $0
Diagnostic Test (x-ray, blood work) $100 $0
Imaging (CT/PET scans, MRIs) $200 $0
Preferred Generic Drugs/Preferred Pharmacy $0 $0
Preferred Generic Drugs/Participating Pharmacy $10 $0
Non-Preferred Generic Drugs/Preferred Pharmacy $10 $0
Non-Preferred Generic Drugs/Participating Pharmacy $20 $0
Preferred Brand Drugs/Preferred Pharmacy $50 $0
Preferred Brand Drugs/Participating Pharmacy $70 $0
Non-Preferred Brand Drugs/Preferred Pharmacy $100 $0
Non-Preferred Brand Drugs/Participating Pharmacy $120 $0
Preferred Specialty Drugs $150/prescription $0
Non-Preferred Specialty Drugs $250/prescription $0
Outpatient Surgery $100/procedure $0
Outpatient Physician/Surgeon $0 $0
Emergency Room Care $750/visit $0
Emergency Medical Transportation $150/service $0
Urgent Care $25/visit $0
Facility Fee (Hospital) $150/admit $0
Physician/Surgeon $0 $0
You pay above prices until you have paid
$7,350/$14,700, then you pay nothing. (Note:
Nothing is covered out-of-network.)
You pay all expenses until you have paid
$6,500/$13,100, then you pay nothing. (Note:
Nothing is covered out-of-network.)
**See Summary of Benefits and Coverage/Plan Documents for complete plan details.
10. PPO (Available in all States)
Plan Name
Blue Choice Silver
PPO 845
Blue Choice Silver
PPO 827
Blue Choice Platinum
PPO 810
Primary Care Visit $40* $40* $25*
Specialist Visit $70* $80* $45*
Diagnostic Test (x-ray, blood work) 20% coinsurance 30% coinsurance 20% coinsurance
Imaging (CT/PET scans, MRIs) 20% coinsurance $250/test* 20% coinsurance
Preferred Generic Drugs/Preferred Pharmacy $0 $0 $0
Preferred Generic Drugs/Participating Pharmacy $10* $10* $10*
Non-Preferred Generic Drugs/Preferred Pharmacy $10* $10* $10*
Non-Preferred Generic Drugs/Participating Pharmacy $20* $20* $20*
Preferred Brand Drugs/Preferred Pharmacy $50* $50* $35*
Preferred Brand Drugs/Participating Pharmacy $70* $70* $55*
Non-Preferred Brand Drugs/Preferred Pharmacy $100* $100* $75*
Non-Preferred Brand Drugs/Participating Pharmacy $120* $120* $95*
Preferred Specialty Drugs $150/prescription* $150/prescription* $150/prescription*
Non-Preferred Specialty Drugs $250/prescription* $250/prescription* $250/prescription*
Outpatient Surgery $200 + 20% coinsurance $200 + 30% coinsurance $100 + 20% coinsurance
Outpatient Physician/Surgeon 20% coinsurance 30% coinsurance 20% coinsurance
Emergency Room Care $750 + 20% coinsurance $500 + 30% coinsurance $300 + 20% coinsurance
Emergency Medical Transportation 20% coinsurance 30% coinsurance 20% coinsurance
Urgent Care $40/visit* $40/visit* $25/visit*
Facility Fee (Hospital) $250 + 20% coinsurance $250 + 30% coinsurance $150 + 20% coinsurance
Physician/Surgeon 20% coinsurance 30% coinsurance 20% coinsurance
You pay all expenses until you have paid
$6,000/$12,000, then the above expenses until
you have met Out-of-Pocket $7,350/$14,700, then
you pay nothing. (Note: * means this expense
does not count toward the deductible or out-of-
pocket.)
You pay all expenses until you have paid
$3,000/$9,000, then above prices until you have
paid $7,350/$14,700, then you pay nothing. (Note:
* means this expense does not count toward the
deductible or out-of-pocket.)
You pay all expenses until you have paid $250/$750, then
above prices until you pay $1,250/$3,750, then you pay
nothing. (Note: * means this expense does not count
toward the deductible or out-of-pocket.)
**See Summary of Benefits and Coverage/Plan Documents for complete plan details: www.outwestexpress.com/benefits.com (password 2018)
11. Medical
The Summary of Benefits and Coverages documents for all plans are
available for review.
Outwest Express Offices, see Pat Bakeman or Gabby Martinez to review a
printed copy.
On the OWE Benefits Portal at www.outwestexpress.com/benefits
(password 2018).
Contact Pat Bakeman at HRAdmin@outwestexpress.com or call
816.503.3116 and request a copy to be emailed to you.
12. Medical
ALL plans have in-network providers. Must use in-network for HMO plans!
It is ALWAYS less expensive to use In-Network providers.
To locate in-network provider, check listing at www.bcbstx.com and review provider (primary
care, specialist, pharmacy, etc.) listings.
• You can search by provider name, location, or specialty.
• You can use cost estimator to get an estimate of costs for services or prescriptions.
13. Medical
Preventative Services
Age Banded Preventative Care:
Mammogram
Colonoscopy
Annual Physicals
Well Woman
Visits/Exams
Standard Immunizations
Pediatric Checkups
Employee pays $0!
14. Medical
Your medical provider works for you! You have the right to be involved in decisions about
your care.
YOU DIRECT YOUR CARE! GET INVOLVED!!
15. PRESCRIPTION
Blue Cross and Blue Shield uses Preferred Providers for all Plans
**It is always less expensive to use the preferred providers, such as Walgreens.
Check the preferred pharmacy listings at www.bcbstx.com!
Get Involved! Ask provider to write prescription for double strength and then split the pill -
- you get twice the medication for the price of a single prescription! (It doesn’t hurt to ask
and if it is possible (based on the medication), you saved money!
******I M P O R T A N T *** I M P O R T A N T *** I M P O R T A N T *** I M P O R T A N T******
16. MdLive = VIRTUAL VISIT
Whether you are at home or on the road, you can call or
go online with a medical professional who can diagnose
and prescribe medication for you!
Cost varies depending on your health plan: $25-45
Your provider can call in a prescription for you at a local
pharmacy – local to wherever you are at the time!
Get Involved! Think of the convenience! You don’t have to be at home or leave home if you
are there, you don’t have to travel to a doctor’s office, you don’t have to wait for an
appointment, you have easy-access to get a prescription when needed.
17.
18.
19. DENTAL: Dearborn
National
Dental Weekly Premium
Employee Only $7.62
Employee &
Spouse
$15.25
Employee &
Child(ren)
$14.31
Employee &
Family
$24.25
Service Plan Pays
Exams, Cleanings, and Sealants 100%
X-Rays (Bitewings only) 100%
Xrays (All Others) 100%
Palliative Treatment (Emergency) 100%
Space Maintainers 80%
Basic Restorative, Simple Extraction 80%
Repairs of Crowns, Inlays, Onlays, Dentures, and Bridges 80%
Complex Oral Surgery, General Anesthesia 80%
Posterior Resins Included in Annual
Maximum
Endodontics, Surgical and Non-Surgical Periodontics 50%
Inlays, Onlays and Crowns 50%
Prosthetics (Bridges and Dentures) 50%
Implants, TMD/TMJ (Annual/Lifetime) 0%
Deductible $50 Individual/$150 Family
Annual Maximum $1,000
The Dearborn National dental plan mirrors the previous UCCI PPO
plan. If you were enrolled in the UCCI plans (both PPO and DMO),
your enrollment has been transferred to the Dearborn plan. Now is
the time to make changes if you wish to do so!
20. VSP VISIONVSP Vision
Employee pays premium.
Vision Weekly
Premium
Employee
Only
$1.21
Employee &
Spouse
$2.30
Employee &
Child(ren)
$2.70
Employee &
Family
$3.80
Benefit In-Network Provider
WellVision Exam
every 12 months
$10.00
Lenses
every 12 months
$25 copay
Frame
every 24 months
$25 copay, up to $130
Medically Necessary Contacts $25 copay (in lieu of lenses and frames)
Your member id is your social security number. When you go to an in-network provider, give them your name
and social security number and they will verify your coverage.
The VSP Vision plan mirrors the previous vision plan –
in both coverage and premium. If you were enrolled
in the previous vision plan in January, you have been
enrolled in the VSP plan. Now is the time to make
changes if you wish to do so!
21. Life InsuranceOutwest Express provides a $20,000 life insurance policy for each employee.
Employees may purchase additional life insurance up to $250,000 for themselves,
$125,000 for spouses, and $10,000 for dependent children. Rates are based on the
employees age. For more information, see the rates page in the Enrollment
booklet at www.outwestexpress.com/benefits (password 2018).
22. Disability IncomeAll employees are eligible to purchase Disability Income insurance. This is used to
replace your income if you are off work due to a disability or illness.
Weekly
Premium
Employee
Only
$2.13
This coverage provides for up to $500 per week, based on your average annual
wage earnings.
23. Supplemental AccidentAll employees are eligible to purchase Supplemental Accident insurance. This is a
one-time payment that is based on the injury sustained.
This coverage provides a one-time payment of $25,000 if you are diagnosed with
a critical illness, such as cancer.
Critical Illness
24. Benefit Enrollment
March 1st - March 30th
Please elect your benefits by March 16th to allow time to get everything set up in
the various benefit systems.
To enroll or change, please call Pat Bakeman at 816.503.3116 or send an email to
HRadmin@outwestexpress.com.
25. Contacts:
Pat Bakeman, OWE Human Resources
816.503.3116
pbakeman@outwestexpress.com
Teresa, VBG
817.482.1107, ext. 111
Teresa@vbginsurance.com
If you have questions about any of the benefit plans, please contact:
Benefit documents and information as well as Summary of Benefits and Coverages
documents are available at www.outwestexpress.com/benefits (password 2018).
Print copies are available in the training rooms!
26. Please contact Pat Bakeman at 816.503.3116
to enroll in benefits – to join a plan, to change
plans, or to decline benefits.
Pat will be available for your enrollment
Monday through Friday 8am to 4pm CST.
Teresa at VBG is available to answer benefit
coverage questions. Please contact her at
817.482.1107, ext. 111 for plan details.
27. Thank you for your patience with the 2018 benefit
enrollments!
