Southeast Missouri State University

Question: What are the family deductible amounts for the 2013 medical insurance plans?
Answer: For the Base Plan, the family deductible is $3,000. For the Accelerated Plan, the family deductible is $1,000.

Question: What are the options of family deductibles applying on the Base Plan?
Answer: If selecting the health savings account feature with the Base Plan, all covered family members must meet the family deductible. If selecting the medical reimbursement account feature with the Base Plan, two family members must meet the individual deductible amount in order for the family deductible requirement to be satisfied.

Question: How to prescription drug copays work under the 2013 medical insurance plans?
Answer: For the Base Plan, members have to meet the deductible first. After deductible is met, the prescription drug copay tiers then apply. For the Accelerated Plan, prescription drug copay tiers apply immediately and do not apply to the plan deductible.

Question: Is there a copay when using my vision insurance plan?
Answer: Yes. There is a $10 office visit copay on the vision insurance plans when see a VSP participating provider.

Question: What is the investment threshold for my health saving account?
Answer: The threshold to invest under the esaver fee schedule is $2,000.

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