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HealthAmerica and HealthAssuranceNames You Can Grow To TrustHealthAmerica and HealthAssurance have developed a solid reputation for leading. For more than 30 years, our organization has been a partner in good health to leading companies throughout Pennsylvania and Ohio. We offer coverage throughout a wide service area for employer groups of all sizes. A Diverse Product PortfolioBuilding strategic customer relationships means having the range of products necessary to support growing customer needs. Download the HealthAmerica HealthAssurance Bulletin. We offer products ranging from traditional HMO, PPO and POS plans to flexible benefit options like our Small Business Solution, HealthAssurance FlexChoice and Self-Funded Group Options. Our members enjoy value-added benefits such as free health education, online health resources and vision discounts. Additional benefit riders for prescription benefits and dental are also available. Service When You Need ItWith any health care plan, you’re bound to need assistance now and then. Our Member Service Representatives are there to answer your questions and give you prompt, one-on-one attention. We have convenient hours during the week and on the weekend to allow you to talk to us when it best suits you. In addition, our Web site has a wealth of information available 24 hours a day, 7 days a week. Once you become a member, you may use our Member Services Online feature to manage your personal health care transactions anytime it’s convenient for you. From our award-winning Web site, we offer employers a Web-based tool to assist with benefit administration. Our Online Account Management resource allows employers to view and change member demographics, add/term members, request ID cards, view online service-request status, view payment history and view invoices/statements. Quality You Can Count OnQuality is a critical indicator of health plan performance; however, it is often overlooked by many when choosing a health benefit plan. Beginning with our mission statement, quality is embraced throughout HealthAmerica and HealthAssurance at all levels: our people, our processes and our technology. Since 1993, we have received consistent quality accreditation from the National Committee for Quality Assurance (NCQA), an independent, nonprofit organization dedicated to measuring the quality of America’s health care. We currently hold the following accreditation from NCQA, which is the top accreditation level awarded to a health plan.** HealthAmerica HMO Plan – Excellent **NCQA Accreditation levels are Excellent, Commendable, Accredited, Provisional and Denied. A Comprehensive NetworkWe have a provider network with more than 21,000 doctors and 170 hospitals, including Hamot Medical Center and Saint Vincent Health System. Another significant part of our ability to provide comprehensive health benefits is our extensive provider and pharmacy network. We contract with the area’s leading practices, specialty providers and hospitals to ensure that our members receive the type of care they need at a fair price. Chances are that your doctor is in our network, and as an added piece of mind, we offer you worldwide emergency coverage no matter where you go. Visit our Web site, where you can search for your doctor or hospital, or build your own personalized provider directory. The HealthAmerica and HealthAssurance DifferenceMore than 700,000 members and nearly 11,000 employer groups have selected us as their health plan of choice. We’re eager to serve you. Call us at 800/255-4281 or 814/480-5419 to find out how HealthAmerica and HealthAssurance can make a difference in your health care benefits, or visit our Web site at www.healthamerica.cvty.com. Benefit OptionsWhether you are looking for a high level of coverage or considering basic coverage to keep your costs low, the HealthAmerica and HealthAssurance Small Business Solution has the plan for you. HealthAmerica and HealthAssurance offer the following benefit options: Health Maintenance Organization (HMO) OptionsHMO plans offer maximum cost savings while still providing a rich level of coverage. Most services, including wellness programs and preventive care such as periodic checkups, immunizations, and office visits are covered 100 percent with a small copay. There are no annual deductibles, no claim forms, no referral papers and little out-of-pocket costs.
Point of Service (POS) OptionsOur point-of-service plans (POS) offer the cost savings of an HMO but offer your employees freedom of choice to select any provider. These plans provide employers with a nice balance to keep your premium costs to a minimum while employees have more choice. Employees can seek care from almost any doctor or hospital, but they receive a higher level of coverage and pay only a small copayment when care is provided or arranged by their primary care physician. The plan types vary based on your business needs. There are no annual deductibles for Premier, Classic and Value POS plans. However, the Classic POS Saver plans offer you more cost savings: Employees pay greater out-of-pocket costs, which enables you to keep premiums low, while offering quality benefits.
Preferred Provider Organization (PPO) OptionsPPO plans provide comprehensive health benefit coverage that allows your employees to choose most doctors and hospitals. And, members do not need to select a primary care physician. This plan is attractive to employers who want to introduce managed care and control costs, while offering employees flexibility and freedom of choice. When your employees visit participating doctors and hospitals, they receive a higher level of coverage and pay only a small copayment. Your employees may also choose to use nonnetwork providers and pay more out-of-pocket costs. Like the POS Saver plans, our Premier PPO Saver plans offer greater cost savings. Employees pay greater out-of-pocket expenses that allow you to control your premiums, while providing your staff with the benefits they want.
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