Use the information below to help you choose the plans that are the right fit for you and your family, and to make the most of your benefits coverage throughout the year.

USE IN-NETWORK PROVIDERS

A network is a group of doctors, labs, hospitals, specialists and other health care providers or facilities that your health care plan has contracted with to pay those providers a discounted amount. When you see providers under this contract, it’s considered “in-network.” These set payment rates are often called “eligible expenses,” “payment allowances” or “negotiated rates.” The advantage to you is providers cannot bill you for more than the negotiated rate.

Don’t worry about the jargon, though — what’s most important is that you’ll pay less when you get care in-network because your deductible, copays and coinsurance are lower when you see in-network providers versus out-of-network providers.

To find in-network providers and/or facilities, visit your carrier’s website (available on the Benefits Portal) or kp.org for Kaiser members.

MAXIMIZE PREVENTIVE CARE BENEFITS

Preventive care — like immunizations and annual physicals — may help you avoid serious health problems. Living a healthy lifestyle includes taking advantage of preventive care services to maintain your health and prevent disease.

All WSI medical plans cover in-network preventive care services, such as annual checkups, immunizations and age-appropriate screenings, at 100 percent. This means you pay nothing out of pocket — so there’s no reason not to get preventive care.

USE MAIL ORDER FOR YOUR PRESCRIPTIONS

If you’re enrolled in one of our medical plans, you can save time and money with the convenience of mail-order delivery for your prescriptions. Many plan members regularly take medication for a chronic disease or health condition. Switching your prescription medications to mail order means some of your prescriptions will cost less and they come directly to your home. It’s easy to make the switch.

FOR STANDARD, PREMIUM AND CARE PLUS HSA PLAN MEMBERS:
Visit Caremark CVS at caremark.com to manage your prescriptions and delivery options.

KAISER MEMBERS:

Go online: Set up your online account at kp.org to set up home delivery or download the Kaiser App from the App Store for Apple or Google play for Android to manage your prescriptions right from your phone.

By phone: Call Kaiser at 888.218.6245, or call the phone number on your prescription label. Service is available 24/7.

By mail: Complete an order form and mail it with your written prescriptions to Kaiser. Order forms are available online once you log in.

KNOW YOUR OPTIONS WHEN SEEKING HEALTH CARE

You have several options available to you when you are in need of health care. Learn more about the options available to you when you need health care if you are enrolled in a PPO plan or Kaiser plan. Be sure to use your health plan’s website to find an in-network facility.

ENROLL IN THE HEALTH CARE FSA

The Health Care FSA, provided through BenefitWallet®, lets you set aside pretax dollars to pay for eligible out-of-pocket expenses such as copays, as well as dental and vision expenses that aren’t covered 100% by your medical, dental or vision plan. Learn more about the Health Care FSA.