The SEG Choice plan is a consumer-driven health plan
featuring affordable premiums. In this plan, medical and prescription
costs combine to satisfy the deductible and out-of-pocket maximum.
Your deductible is the amount of money you pay out-of-pocket for your health care before SEG starts sharing the cost of care with you. If you use in-network providers, you pay 100% of the contracted allowed amount to the provider and 100% of the cost of prescriptions until you reach the deductible amount (with the exception of preventive care and preventive generic medication at the SEG Pharmacy where the plan always pays 100% even before you meet the deductible).
Both medical and pharmacy claims count toward the deductible in the Choice Plan. Both medical and prescription claims count toward Choice plan out-of-pocket max. Prescription benefits are not paid by SEG until the Choice plan deductible is met, with the exception of certain preventive generic drugs through the SEG pharmacy.
On March 23, 2010, President Obama signed comprehensive health reform, the Patient Protection and Affordable Care Act (PPACA), into law. The new law, and changes made to the law by subsequent legislation, focuses on provisions to expand coverage, control health care costs, and improve health care delivery system.
SEG is committed to following all mandates required by the new law and will inform our employees of changes that will apply to them. If you interested in learning more about the new law, visit the BlueCross website for more information on health care reform and how it impacts you.