Use the charts below to understand the premium you will pay for medical insurance, including your prescription coverage, plus the larger portion the health system pays to support you. The amounts you’ll pay for premiums and out-of-pocket maximums are higher than last year and reflect rising plan costs for medical services and prescription medications. Changes in FTE status that affect employee share of medical premiums will take effect on the first day of the month after the FTE change effective date (the update happens automatically – no action is needed by the employee). This applies to employees who: Move from 0.5-0.59 FTE to 0.6 FTE or above Move from 0.6 FTE or above to 0.5-0.59 FTE Note: Only the share of medical plan premium cost will be updated; this does not qualify as a life event so no other benefits changes are allowed. If your spouse is offered medical insurance through their employer, you will pay an extra $50 per paycheck if you add them as a covered dependent. Full-time employees (0.6-1.0 FTE) Great Bend full-time employees (0.6-1.0 FTE) (will align with health system premiums over time) Part-time employees (0.5-0.59 FTE) Great Bend part-time employees (0.5-0.59 FTE) (will align with health system premiums over time) *Taken from 24 paychecks per year.

Health & Wellness

Medical benefits

The health system offers two medical plans that use the Blue Cross Blue Shield network:
HSA Advantage Plan and Signature Plan

What is your tipping point?

A high deductible plan (HSA Advantage) works best if you use less healthcare OR have extensive healthcare needs. These questions can help you decide:

Do you see a doctor more than four times a year or have a chronic illness?
Do you have ongoing prescription medications?
Do you have planned medical expenses in the next
year, such as a new baby or knee replacement?

Do you reach your annual deductible by May?
Are you able to pay your deductible, or can you put enough into your HSA each paycheck to cover it?

If you answer yes to questions 1, 2 or 3 – and answer yes to questions 4 and 5 – then the HSA Advantage plan may save you money. To discuss this option with a benefits expert, schedule a one-on-one meeting using the instructions on the back cover.

HSA Advantage Plan

This works best for those who use less healthcare, OR those who need extensive healthcare. The per-paycheck premiums are lower, but your cost of care during the year is higher through deductibles and coinsurance.

This plan uses an aggregate deductible. This means the full family deductible must be met before the health plan pays its share for any one covered member.

With this plan, you will have a Health Savings Account (HSA), with a contribution from the health system, that you can use to pay for healthcare with pretax dollars. The health system provides “seed” money to support employees with healthcare expenses. The money is deposited in early January.

Individual coverage: $500
Family coverage: $1,000

Employees may contribute additional pretax dollars to their HSA from each paycheck to build up the account for healthcare expenses, up to the maximum amount allowed by the IRS. See the section about pretax savings accounts for more information on HSA and Flexible Spending Accounts (FSAs).

Signature Plan

This works best for moderate to heavy users of healthcare. It offers lower deductibles and fixed copays for health system network and in-network office visits, but has higher per-paycheck premiums.

This plan uses an embedded deductible. This means that once a covered member meets the individual deductible, the health plan’s coinsurance begins to cover that person’s expenses – even if the full family deductible amount has not been met.

Medical plan rates

Use the charts below to understand the premium you will pay for medical insurance, including your prescription coverage, plus the larger portion the health system pays to support you. The amounts you’ll pay for premiums and out-of-pocket maximums are higher than last year and reflect rising plan costs for medical services and prescription medications.

Changes in FTE status that affect employee share of medical premiums will take effect on the first day of the month after the FTE change effective date (the update happens automatically – no action is needed by the employee). This applies to employees who:

- Move from 0.5-0.59 FTE to 0.6 FTE or above
- Move from 0.6 FTE or above to 0.5-0.59 FTE
- Note: Only the share of medical plan premium cost will be updated; this does not qualify as a life event so no other benefits changes are allowed.

If your spouse is offered medical insurance through their employer, you will pay an extra $50 per paycheck if you add them as a covered dependent.

Full-time employees (0.6-1.0 FTE)

Per-Paycheck Premiums*	HSA Advantage Plan		Signature Plan
	Employee pays	Health system pays	Employee pays	Health system pays
Employee only	$37.00	$416.81	$69.00	$386.00
Employee + spouse	$154.00	$760.08	$232.00	$686.60
Employee + children	$127.00	$720.54	$200.00	$646.69
Employee + family	$211.00	$1,179.57	$317.00	$1,101.66

Great Bend full-time employees (0.6-1.0 FTE)

(will align with health system premiums over time)

Per-Paycheck Premiums*	HSA Advantage Plan		Signature Plan
	Employee pays	Health system pays	Employee pays	Health system pays
Employee only	$37.00	$416.81	$69.00	$386.00
Employee + spouse	$119.00	$759.08	$232.00	$686.60
Employee + children	$100.00	$747.54	$170.00	$676.69
Employee + family	$152.00	$1,283.57	$317.00	$1,101.66

Part-time employees (0.5-0.59 FTE)

Per-Paycheck Premiums*	HSA Advantage Plan		Signature Plan
	Employee pays	Health system pays	Employee pays	Health system pays
Employee only	$39.00	$414.81	$72.00	$383.00
Employee + spouse	$162.00	$752.08	$245.00	$673.60
Employee + children	$132.00	$715.54	$209.00	$637.69
Employee + family	$221.00	$1,169.57	$336.00	$1,082.66

Great Bend part-time employees (0.5-0.59 FTE)

(will align with health system premiums over time)

Per-Paycheck Premiums*	HSA Advantage Plan		Signature Plan
	Employee pays	Health system pays	Employee pays	Health system pays
Employee only	$39.00	$414.81	$72.00	$383.00
Employee + spouse	$124.00	$790.08	$245.00	$673.60
Employee + children	$103.00	$744.54	$178.00	$668.69
Employee + family	$160.00	$1,230.57	$336.00	$1,082.66

*Taken from 24 paychecks per year.

How the medical plans work

As you consider which plan is right for you, use the chart below to compare your out-of-pocket costs for different services under each plan.

	HSA Advantage Plan			Signature Plan
	Health system network	In-network*	Out-of-network	Health system network	In-network*	Out-of-network
Annual deductible^	$1,800 individual $3,600 family	$4,000 individual $8,000 family	$6,400 individual $12,800 family	$500 individual $1,000 family	$2,000 individual $4,000 family	$4,000 individual $8,000 family
Annual maximum out-of-pocket costs^	$4,500 individual $9,000 family	$6,000 individual $9,200 family	$19,800 individual $39,600 family	$4,500 individual $9,000 family	$6,000 individual $12,000 family	$10,500 individual $21,000 family
Member coinsurance	You pay 10%; plan pays 90%	You pay 30%; plan pays 70%	You pay 40%; plan pays 60%	You pay 10%; plan pays 90%	You pay 30%; plan pays 70%	You pay 40%; plan pays 60%
At the doctor's office
Routine preventive care	You pay $0; plan pays 100%	You pay $0; plan pays 100%	40% coinsurance after deductible	You pay $0; plan pays 100%	You pay $0; plan pays 100%	40% coinsurance after deductible
Primary care	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible	$20 copay	$30 copay	40% coinsurance after deductible
Specialist	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible	$40 copay	$60 copay	40% coinsurance after deductible
Urgent Care	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible	$40 copay	$60 copay	40% coinsurance after deductible
At the hospital
Emergency Department	10% coinsurance after deductible	30% coinsurance after deductible	30% coinsurance after deductible**	10% coinsurance after deductible	30% coinsurance after deductible	30% coinsurance after deductible**
Inpatient / Outpatient services	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible
Other medical benefits
Outpatient therapy (speech, hearing, PT, OT) High-tech radiology (MRI, CT, PET scan)	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible	10% coinsurance after deductible^^^	30% coinsurance after deductible	40% coinsurance after deductible
Mental health & substance use
Inpatient services***	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible	10% coinsurance after deductible^^^	30% coinsurance after deductible^^^	40% coinsurance after deductible
Outpatient services^^	10% coinsurance after deductible	30% coinsurance after deductible	40% coinsurance after deductible	$20 copay for office visits; all other services 100% covered	$30 copay for office visits; 30% coinsurance after deductible for all other services	40% coinsurance after deductible
Pharmacy
Prescription medication coverage is a big factor in choosing a medical plan. Read the Prescription drug coverage section for important details.
In-network providers are part of either BlueSelect Plus or BlueCard PPO Network. To ensure access to emergency care, coinsurance for qualified ER visits applied after deductible is met for in-network care. **Preauthorization required; coverage of room and board may be denied. ^^Preauthorization required for ABA therapy.

Choose from 3 provider networks

A provider network is a list of providers and hospitals/facilities a health insurance company (for us, it’s Blue Cross Blue Shield) contracts with to provide healthcare services to its members at a discounted cost. You can save money by using providers in our medical plans’ preferred networks whenever possible. Explore the Medical Network Resource Guide for more details, including:

Who and what is included in a provider network?
How can selecting a health system or in-network doctor save me money?
Is my doctor in-network? How do I find an in-network provider?

Resources

Medical network resource guide
In-network coverage: BlueSelect Plus and BlueCard networks
Blue Cross Blue Shield find a doctor tool
Olathe Hospital and Liberty Hospital in-network providers
Pharmacy resource guide
Pretax savings
Benefits help line: 888-494-9119