Important Health Insurance Changes for 2010

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Date Published: December 11, 2009

There are number of changes that will affect employees under the GIC Health Insurance plans in 2010.

$250 Deductible Per Person - Effective Feb. 1, 2010

All GIC health plans (Non-Medicare plans only) will include a calendar year deductible for claims incurred on February 1, 2010 or later. The deductible is $250 per member to a maximum of $750 per family. This is a fixed dollar amount you must pay before your health plan begins paying benefits for you or your covered dependent(s).

Increase in Co-Pays - Effective Feb. 1, 2010

Primary Care Physician Office Visit Copay: $5 increase across all tiers

Specialist Office Visit Copay: $5 increase across all tiers

Retail Clinic Copay: $5 increase

Physical Therapy, Chiropractic and Occupational Therapy Copay: $5 increase

Outpatient Surgery Copay: $10 increase

Hi-tech imaging Copay: $25 increase

Emergency Room Copay: $25 increase

Mental Health/Substance Abuse Outpatient Visit Copay: $5 increase

Flexible Spending Account Maximum Increased to $5,000 - Enroll by Dec. 18, 2009

To help state employees offset the new GIC benefit changes effective February 1, 2010, the open enrollment for the Health Care Spending Account (as well as the Dependent Care Assistance Program) has been extended to Dec. 18. Additionally, the HCSA maximum election amount is being increased from $3,000 to $5,000. The HCSA program helps employees save taxes for out-of-pocket medical expenses, which include copays and deductibles.

Go to your insurance plan's website to see how these changes may be implemented for your plan.

Visit GIC's website for the more information.

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