Medical
Barnes offers a choice of medical plans designed to help you and your family maintain good health and offer protection from the financial burden of a serious illness or injury. Deciding which plans are best for you depends on your specific health care needs, provider preferences, budget and lifestyle. You can select from the options shown below.
Our Choice POS Plan is the richest of our medical plan options and requires the highest premiums. With this plan, you have the freedom to get your care from network or non-network doctors, hospitals and other health care providers, without referrals from a primary care physician (PCP). When you receive care from non-network providers, you pay a higher share of the cost of care.
Routine preventive care provided by in-network providers will be covered at 100 percent. For most other in-network primary care and specialist office visits you will be responsible for a copayment. Other care, such as hospitalization, laboratory and diagnostic testing will be subject to an annual deductible, after which you pay a percentage of the cost of covered services (coinsurance), up to an annual out-of-pocket maximum. Since you share the costs of covered services, your focus would be on the cost and quality of the providers you see to make the most of your plan. After you reach your annual out-of-pocket maximum, the plan pays 100 percent of covered services for the rest of the plan year.
| Choice POS Plan Highlights | |
|---|---|
| Employee cost | Highest employee premiums; lowest deductibles |
| Provider network | Aetna CPOSII national network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $1,000 per individual/$2,000 per family1 Out-of-Network: $2,000 per individual/$4,000 per family1 |
| Health savings account (HSA) | No |
| Coinsurance (your cost) after meeting deductible | Network: 20% Non-network: 40% |
| Calendar-year out-of-pocket maximum | Network: $4,000 per individual/$8,000 per family2 Non-network: $6,000 per individual/$12,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: 40% |
| Office visit (you pay) | Network: $25 copay for primary care (deductible waived). $50 copay for specialist care (deductible waived). Non-network: 40%3 |
| Hospitalization | Network: 20%3 Non-network: 40%3 |
| Pharmacy retail (30-day supply) |
CVS Caremark network pharmacy: |
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: |
1. If you have other family members on the plan, each family member must meet their own individual deductible until the total amount of deductible expenses paid by all family members meets the overall family deductible.
2. If you have other family members in this plan, they have to meet their own out-of-pocket limits until the overall family out-of-pocket limit has been met.
3. After meeting your calendar year deductible.
The HSA Advantage Plan is our richest Consumer-Driven Health Plan (CDHP) option, which offers the protection of a medical plan plus a tax-free HSA you can use to help pay for eligible health care expenses, now and in the future. Under the HSA Advantage Plan you must satisfy the deductible before the Plan will cover a portion of your expenses. For individuals enrolled in two-person or family coverage you must satisfy the full family deductible amount before the plan’s coinsurance will apply.
After you meet the annual deductible, the plan pays a percentage of covered services received through either network or non-network providers. Preventive services will be covered at 100 percent before the deductible or plan coinsurance.
| HSA Advantage Plan Highlights | |
|---|---|
| Employee cost | Mid-range cost medical option; lowest deductible HSA-qualified High Deductible Health Plan |
| Provider network | Aetna CPOSII network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $2,000 per individual/$4,000 per family1 Out-of-Network: $3,500 per individual/$7,000 per family1 |
| Health savings account (HSA) | Yes. You may make personal contributions to your HSA. In addition the Company will match your HSA contributions dollar-for-dollar up to $250 per individual/$500 per family (prorated for mid-year enrollment/changes) |
| Coinsurance (your cost) after meeting deductible | Network: 25% Non-network: 40% |
| Calendar-year out-of-pocket maximum | Network: $4,000 per individual/$8,000 per family2 Non-network: $6,000 per individual/$12,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: 40%3 |
| Office visit (you pay) | Network: 25%3 Non-network: 40%3 |
| Hospitalization | Network: 25%3 Non-network: 40%3 |
| Pharmacy retail (30-day supply) |
CVS/caremark network pharmacy: Generic — $15 copay Preventive generic medications: |
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: Generic preventive medications: |
*Preventive generic medications bypass the deductible and are at $0 cost to you.
1. You must meet the family deductible before any person receives benefits.
2. You must meet the family out-of-pocket maximum before any person receives 100% coverage.
3. After meeting your calendar year deductible.
The HSA Value Plan is our middle tier Consumer Driven Health Plan (CDHP) option. It may be an appropriate choice for individuals who are looking for a plan that requires smaller premiums from their paycheck in exchange for a larger deductible in the event health care services are needed. The HSA Value Plan pairs with a tax-free HSA allowing personal and company contributions to help plan and save for future health care expenses. The plan also features preventive services covered at 100 percent before the deductible or plan coinsurance.
Under the HSA Value Plan you must satisfy the deductible before the plan will cover a portion of your expenses. For individuals enrolled in two-person or family coverage you must satisfy the full family deductible amount before the plan’s coinsurance will apply.
| HSA Value Plan Highlights | |
|---|---|
| Employee cost | Moderate deductibles; lower premiums |
| Provider network | Aetna CPOSII national network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $3,000 per individual/$6,000 per family1 Out-of-Network: $5,000 per individual/$10,000 per family1 |
| Health savings account (HSA) | Yes. You may make personal contributions to your HSA. In addition the Company will match your HSA contributions dollar-for-dollar up to $500 per individual/$1,000 per family (prorated for mid-year enrollment/changes) |
| Coinsurance (your cost) after meeting deductible | Network: 30% Non-network: 50% |
| Calendar-year out-of-pocket maximum | Network: $5,000 per individual/$10,000 per family2 Non-network: $9,000 per individual/$18,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: 50%3 |
| Office visit (you pay) | Network: 30%3 Non-network: 50%3 |
| Hospitalization | Network: 30%3 Non-network: 50%3 |
| Pharmacy retail (30-day supply) |
CVS Caremark network pharmacy:
|
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: |
*Preventive generic medications bypass the deductible and are at $0 cost to you.
1. You must meet the family deductible before any person receives benefits.
2. If enrolled in family coverage, the maximum out of pocket for any one individual within the family is $8,700.
3. After meeting your calendar year deductible.
The HSA Max Plan is our most economical plan option. It may be an appropriate plan option for individuals who are generally healthy and do not expect considerable health care expenses during the upcoming year, or, would prefer to pay smaller premiums from their paycheck and more out-of-pocket in the event health care services are needed.
Under the HSA Max Plan you must satisfy the deductible before the plan will cover a portion of your expenses. For individuals enrolled in two-person or family coverage you must satisfy the full family deductible amount before the plan’s coinsurance will apply. The HSA Max plan also features preventive services covered at 100 percent before the deductible or plan coinsurance.
| HSA Max Plan Highlights | |
|---|---|
| Employee cost | Highest deductibles; lowest premiums |
| Provider network | Aetna CPOSII national network of contracted providers |
| Primary care physician (PCP) to manage care | Not required |
| Referrals needed to see a specialist | Not required |
| Calendar-year deductible | In-Network: $7,050 per individual/$14,100 per family1 Out-of-Network: $10,000 per individual/$20,000 per family1 |
| Health savings account (HSA) | Yes. You may make personal contributions to your HSA. In addition, the Company will match your HSA contributions dollar-for-dollar up to $750 per individual/$1,500 per family (prorated for mid-year enrollment/changes) |
| Coinsurance (your cost) after meeting deductible | Network: N/A Non-network: N/A |
| Calendar-year out-of-pocket maximum | Network: $7,050 per individual/$14,100 per family2 Non-network: $20,000 per individual/$40,000 per family2 |
| Preventive care | Network: Covered in full (calendar-year deductible waived). Non-network: Not covered |
| Office visit (you pay) | Network: N/A Non-network: N/A |
| Hospitalization | Network: N/A Non-network: N/A |
| Pharmacy retail (30-day supply) |
CVS Caremark network pharmacy: Generic preventive medications*: |
| Pharmacy mail services (up to 90-day supply) |
CVS Caremark network pharmacy: Generic preventive medications*: |
*Preventive generic medications bypass the deductible and are at $0 cost to you.
1. You must meet the family deductible
2. If enrolled in family coverage, the maximum out of pocket for any one individual is $7,050
- Eligible preventive care services covered at 100% when you use in-network providers.
- Comprehensive medical coverage that includes both routine and emergency care.
- Coverage for hearing aids.
- Annual limits on what you pay to provide financial protection in the event of a serious condition.
- Comprehensive prescription drug benefits.
- Mental health, behavioral health and substance abuse coverage
- A large network of doctors, hospitals, and other providers that offer services at negotiated rates.
To search for in-network providers in your area, go to Aetna’s provider directory. You can perform the search as a guest. When prompted to select a plan, select the Aetna Choice POS II (Open Access).
You’ll receive a member ID card at your home address about 7-10 days after completing your initial benefits enrollment. You may also wish to download MyQHealth, Quantum’s mobile app. If you have a smartphone, your ID card is always just a few clicks away. You can call it up any time you need to show it to someone at your doctor's office.
You can call your Quantum Care Coordinator at 1-855-649-3862 or visit the MyQHealth website at www.MyBGIBenefitsCenter.com to request additional cards.
For more information on how to read your ID card, click here.
With the rising cost of medical care, you want to choose doctors, labs and hospitals who offer the best possible care at the lowest prices, to ensure you don't pay more than you have to, particularly when it comes to your HSA money!
Healthcare BluebookTM
Shopping for a new phone or car is easy; shopping for health care is not. Healthcare Bluebook empowers employees to make informed decisions by providing an intuitive, easy-to-use web and mobile platform that enables employees to look up services and compare providers on cost and quality. Stop overpaying for health care, and take health care price and quality transparency for a spin at www.healthcarebluebook.com/cc/barnes
- Bluebook’s Fair Price calculates the reasonable amount you should be paying for a medical service.
- This makes it simple to find high-quality, cost-effective facilities and physicians.
- With quality transparency, you can be sure that you’re always getting the highest-quality care for the best price.
HealthCare Bluebook FAQs
HealthCare Bluebook Overview
Go Green to Get Green
Using Healthcare Bluebook can save you hundreds of dollars and rewards you when you shop smart for health care. Our new Go Green to Get Green rewards program will send you or your covered dependents a check for $25, $50, or $100 if you choose a "green" provider for certain medical procedures. A "green" provider or facility is considered a high-quality provider that charges the Fair Price or less for their services.
Each time you use a Fair Price provider for select health care services, first you save, then you get rewarded. For more information, please review the Go Green to Get Green flyer.
The following are procedures included in the Go Green to Get Green Program, with associated incentives:
- Colonoscopy: $100
- Upper GI Endoscopy: $100
- Heart Echo Imaging: $20
- Doppler Exam of the Heart: $25
- Heart Perfusion Imaging: $50
- Sleep Study: $50
- Cataract Surgery: $50
- Laparoscopic Cholecystectomy: $50
- Lithotripsy: $50
- Remove Tonsils & Adenoids: $50
- Ear Tubes: $50
- Knee Arthoscropy: $100
- Shoulder Arthoscopy: $100
- CT Scans: $25
- MRIs: $25
How it Works
- When your doctor suggests a test or procedure, take a minute to do a simple search in Healthcare Bluebook, or work with your MyQHealth Care Coordinator to do the legwork for you.
- Access Healthcare Bluebook online at www.healthcarebluebook.com (or download the Healthcare Bluebook App) and look for the color-coded cost and quality ratings, so you can easily see a side-by-side comparison of available facilities and know where to go for the highest quality at the lowest costs.
Remember to always check network status before scheduling an appointment. Dependents are also eligible for rewards. Please allow 60-90 days for rewards processing.
Call 1-855-649-3862 (Service hours 8:30am – 10:00pm EST) to speak with a Care Coordinator. Our MyQHealth hub, powered by dedicated Care Coordinators, will leverage the latest technology to provide personalized guidance and support to help you navigate all of your benefits.
The MyQHealth mobile app makes your health care a priority with up-to-date benefits information access anytime, anywhere.
From walking through treatment plans with providers and care management, to addressing benefits issues or finding better alternatives, MyQHealth Care Coordinators have all the right tools and services to ensure that you and your family members are receiving the right care.
A personalized, connected approach to reduce complexity, improve outcomes, and help you manage your diabetes.
Testing and tracking your blood glucose levels is critical to successfully managing your diabetes, but it can be a time-consuming, manual process.
Now, there’s a better way. We’d like to introduce you to the Livongo connected meter - with this connected meter, every time you test your blood glucose levels, your numbers will be automatically sent to a secure online account.*
With Livongo, you can easily:
- Track your levels, see trends, and share your data with whomever you choose.
- Get unlimited test strips and lancets delivered to your door with no out-of-pocket cost.
- Get personalized tips in real-time to help you stay on track and make informed choices.
Get Started Today
To be eligible to enroll in this free voluntary program, you must be a Barnes employee or family member that is enrolled in one of our medical plans and who is diagnosed with diabetes or pre-diabetes.
Visit join.livongo.com/MERITAIN/register or call your dedicated Livongo Team at 1-800-945-4355. You’ll need to provide your registration code MERITAIN.
*Barnes offers this program at no cost to you. Program availability is subject to change. You will be notified if the program is no longer available. This program is not a substitute for medical care provided by your doctor and is not a replacement for the advice or treatment you may be receiving from your doctor for your diabetes. In the event of a medical emergency, contact 9-1-1.
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