New Employee Benefits Enrollment - Dow Corning

MEDICAL
Coverage is effective on your first day of work. See Benefit Enrollment Information page for details on
how to enroll for benefit coverage.
After two months from your start date, if you fail to enroll in a medical plan, you will automatically be
enrolled in the default plan CDHP for Employee Only.
Plan Highlights
Under a Preferred Provider Organization (PPO) plan, you have a network of doctors that you can use. If
you use a doctor in the network, the doctor accepts a discounted rate and you cannot be billed the
difference. The amount is paid at the in-network rate. If you go out-of-network, the charges are paid at
the out-of-network rate. You can be billed the difference between the doctor’s charge and the plan’s
allowed amount.
Two Blue Cross Blue Shield (BCBS) PPO health plans are available to all active employees.
� PPO – this plan generally provides 90 percent coverage when services are received in-network
and 70 percent coverage when services are received out-of-network.
� Consumer Driven Health Plan (CDHP) – this plan generally provides 90 percent coverage
when services are received in-network and 70 percent coverage when services are received outof-network.
This plan is a high deductible plan that offers a Health Savings Account (HSA) to
help save for health care expenses.
For more information, call BCBS at 1-866-491-3083 or visit www.bcbs.com.
Under a Health Maintenance Organization (HMO), you select a primary care physician (PCP) who will
manage your care and refer you to a specialist in the network. Except in an emergency or if directly
referred by the PCP, you will be responsible for 100 percent of the cost if you receive care outside of the
network.
Coverage through the following HMOs is also available:
� HealthPlus – Mid-Michigan area including Bay City/Saginaw/Flint
(visit www.healthplus.com for participating providers)
� Anthem BCBS – Carrollton/Elizabethtown
(visit www.anthem.com for participating providers)
� United Healthcare – Greensboro
(visit www.uhc.com for participating providers)
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