Introducing PECAA’s Association Health Plan
We are proud to introduce PECAAHP, a Member-exclusive health care solution that provides affordable health care coverage for you and your employees.
With insurance premiums on the rise and no end in sight, PECAAHP was developed to help Member practices gain control of their expenses while providing quality benefits to employees – helping your practice attract and retain a quality team.
Leverage PECAA’s group buying power as part of a larger, combined unit to purchase health care benefits at competitive rates, regardless of your individual practice size. Join your fellow PECAA colleagues by taking advantage of this private, non-profit, level-funded benefits plan (using the Cigna network).
Learn More In Our Overview Video
Watch the video below to learn more about the new level-funded benefits plan offered through the Cigna network and how you go about getting your free no-obligation quote.
Why A Level-Funded Program?
A level funded health plan is a type of health insurance plan that combines the cost savings and customization of self-funding with the financial safety and predictability of traditional, fully-insured plans. Level funding used to be a concept only available to large employers. Not anymore. Experience the advantages of level-funding through PECAAHP without taking on added risk.
- Various Plan Design Options make it easy for you to find the right fit for your practice
- An Experienced Team is always ready to provide expertise before, during & after you’ve chosen your plan
Level-Funded Program Key Advantages
- One Predictable Monthly Payment
-Your monthly payment is determined upfront and guaranteed not to increase for a full year as long as there are no changes to your group’s benefits or enrollment
- Plan Administration & Account Management
-Payments of claims, customer service and reporting is all done for you, leaving you to focus on your business
- Quality Benefits
-All employer-established benefit plans are minimum essential coverage
-Preventative services are paid 100% when received from in-network providers
Choosing Your Plan
PECAAHP offers multiple Medical Plans that include PPO & HSA Options:
1. Cigna National Network
Preferred Provider Organization (PPO) plans give you flexibility. You can go to any health care professional you want without a referral – inside or outside of your network. Staying inside your network means smaller copays and full coverage. If you choose to go outside of your network, you’ll have higher out-of-pocket costs, and not all services may be covered.
2. Reference Based Pricing (RBP)
RBP is an open access strategy that combats the rising cost of hospital-based medical care. Our RBP plans use a PHCS network for doctors, but you can go anywhere you choose for hospital-based services. The plan will pay the hospital a fair and reasonable amount based on local health care market costs and trends, usually between 120 and 300% of the Medicare reimbursement.
Health Benefit Plan Features
We provide flexible plan design options, with deductibles ranging from $1500 to $7350, including an option that is compatible with a Health Savings Account (HSA).
ENROLLING IS SIMPLE!
Here’s What to Expect…
1) Get Your FREE No Obligation Quote
To begin the process of getting a quote for your practice, please complete the interest form below.
You will receive a link for a Personal Health Questionnaire (PHQ) to distribute to each of your employees. Once all employees have completed the PHQ, your quote will be generated within 4 – 7 business days.
2) Select A Plan
Once you are contacted with your underwriting results, you can select the medical plan that meets your needs, and the needs of your employees. Many practices may opt to choose two medical plans to give employees options. You will also have the opportunity to incorporate a dental plan and other supplemental benefits to round out your benefits package. Some coverages will require a contribution from the practice, and some will be fully funded by the employees’ payroll deductions.
3) Complete Your Paperwork
Anderson Thornton Consultants will guide you through all the paperwork that is necessary for you to enroll in PECAAHP.*
*Please note that you must maintain a PECAA Membership and be in good standing to qualify for the PECAAHP plan.
FREQUENTLY ASKED QUESTIONS
View the Provider Network List here.
You also have the option of using a Reference Based Pricing Plan, which uses the PHCS network for doctors, but is open access for hospitals.
View the Provider List On PHCS here.
If you have to have surgery, your plan will require that your doctor receive authorization for the procedure prior to your admission to the hospital. If you have the reference-based pricing (RBP) plan option, the cost of your hospitalization will be negotiated between the plan administrator and the hospital at the time of authorization. You’ll be responsible for your deductible, plus up to 20% of the charges, up to the plan’s out-of-pocket maximum.
If you have the Cigna PPO option, the plan will pay 80% to 100% of the PPO discounted price, once your deductible has been satisfied.
In either case, it would be best to contact the Advocacy team (call the number on the ID card), since they can help you navigate these processes.