Health

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Medical

Western Dental offers three Blue Shield PPO medical plans. Team members in California also have two Kaiser Permanente HMO plans to choose from. Western Dental is also offering a new EPO plan with Blue Shield of California. With this plan, you’re exclusively covered for in-network doctors and facilities, and don’t need to get a referral before seeing an in-network specialist. Except in the case of an emergency, you’ll pay full price
for any out-of-network care.

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Blue Shield PPO Out-of-Network Coverage

You will save money when you use Blue Shield providers. However, you have the option to use out-of-network providers and pay
higher out-of-pocket costs. To see what you’ll pay when you use out-of-network providers, please go to your UltiPro homepage.

Kaiser Permanente HMO

Team members in California also have two Kaiser Permanente HMO plans to choose from. With these plans, you’re
exclusively covered for in-network doctors and facilities.

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Additional Blue Shield Benefits

Prescription Drug ProgramCare

The prescription drug benefit program at Western Dental is managed by CVS/Caremarks Administrators. Members have access to a variety of tools to make managing their prescriptions convenient and cost effective.
Register for your online account at www.flexscripts.com. The annual PPO and EPO deductible (Bronze, Silver, and Gold plans) does not apply to prescription drugs.

Telemedicine

Blue Shield offers a convenient telemedicine program providing virtual care 24/7/365. This program allows you to connect with a doctor over video via your computer, smartphone, or tablet. Teledoc doctors can answer questions, make a diagnosis, and even prescribe basic medications when needed. Your copay is $10.00 per visit.

  • Web: Log into www.teladoc.com/bsc
  • Mobile: Visit teladoc.com/mobile and download
    the app
  • Phone: 1-800-Teladoc (835-2362)

Heal

We are excited to offer Heal to Blue Shield PPO members for 2021. Heal is a new service that allows you to book a doctor to come to your door. Doctor House Calls & Enterprise Office Clinics 8am to 8pm, 7 days a week.

Solera

Solera is a 16-week program that will help you lose weight, maintain healthy habits and reduce your risk of type 2 diabetes. The program is free to Blue
Shield members that qualify. To see if you qualify, simply visit solera4me.com/bsca and answer a few simple questions. At the end of the quiz you will
know if you qualify for the program. Solera provides access to a personal health coach, weekly lessons, small group for support and tools like a wireless
scale or an activity tracker.

Additional Kaiser Permanente Benefits

Prescription Drug Program

The Kaiser Permanente prescription drug benefit program covers drugs that have been approved through the Kaiser Permanente formulary process.

You have two options for how to fill prescriptions:

  • For short-term medications (up to a 30-day supply) and long-term medications (up to a 90-day supply), fill your prescription at a Kaiser Permanente pharmacy.
  • Order refills online or call the phone number at the top of your prescription label to receive your prescription refills by mail.

Appointments Online and By Phone

If you are enrolled in a Kaiser Permanente medical plan, you can get care from a doctor for minor health conditions such as allergies and colds over the phone. The cost is the same as a visit to your primary care physician. To manage your account online, visit kp.org. Appointments are scheduled for the same day after speaking to a KP Service Associate by calling 404-365-0966; Toll-free: 800-611-1811.

Health Savings Account

If you are enrolled in a Kaiser Permanente HDHP HMO medical plan, you can put money into an individual Health Savings Account (HSA) to set aside tax-free dollars to pay for qualified health care expenses. You can use the money in your account to pay for expenses or save it and let it grow from year-to-year.

You can choose to defer any dollar amount up to the maximum allowed and can change your deferral into your HSA account at any time throughout the year. The maximum allowed for the 2021 tax year is $3,600 for single enrollment or $7,200 for family enrollment. Under IRS guidelines, team members who are 55 years and older are eligible for an individual catch-up contribution amount up to $1,000.

Register at kp.org/healthpayment. You will be sent a debit card you can use to pay providers for eligible services.

Hospital Indemnity

Even with health insurance, a stay in the hospital can become costly quickly as out-of-pocket charges begin to add up. Hospital Indemnity Insurance through MetLife can reduce the financial and emotional stress of a hospital stay by providing a lump sum cash benefit directly to you that can be used however you need, whether that’s for coinsurance or childcare. Speak with a benefit counselor to enroll today!

Flexible Spending Accounts (FSA)

Flexible Spending Accounts let you save for eligible health and dependent day care expenses with dollars that are automatically withheld from each paycheck before taxes. They reduce your taxable earnings so you pay less in income taxes. There are two types of Flexible Spending Accounts, a Health Care FSA and a Dependent Care FSA.

  • Health Care FSA: If you are not enrolled in the Kaiser Permanente HDHP HMO with HSA Plan, in 2021 you may contribute up to $2,700* to cover eligible health care expenses.
  • Dependent Care FSA: You may contribute up to $5,000* per family in 2021 to cover eligible dependent care expenses ($2,500 if you and your spouse file separate tax returns).

Discovery Benefits is the administrator for our Flexible Spending Accounts (FSAs). To manage your FSAs, set up an account at www.discoverybenefits.com. To set up your account, use your Social Security number as your Login ID and a temporary password will be sent to your email address.

*Please note that this plan does NOT rollover. To enroll in FSA, you must make the election during your enrollment