A PPO, or Preferred Provider Organization, contracts with physicians and hospitals to secure preferred rates for you and your covered family members. A PPO allows you the freedom to choose virtually any health care provider and no physician referral is required. It is up to you whether you go in-network and receive a higher benefit or go out-of-network and pay more.
PO Box 981106
El Paso, Texas 79998
A Health Savings Account (HSA) is an account that works in conjunction with a High Deductible Health Plan (HDHP). The account allows you to put money aside and reimburse yourself for medical expenses on a tax advantaged basis. Unspent funds accumulate tax-free and roll over from year to year.
For 2019, the HSA IRS Limits for an annual contribution are $3,600 for an individual and $7,200 for a family.
An employee can qualify for a HSA:
Note: If you have an HSA, you cannot also have a flexible spending account.
You can find additional information on Health Savings Accounts by checking the IRS Publication 969.
The Women's Health and Cancer Rights Act of 1998 requires group health plans to make certain benefits available to participants who have undergone a mastectomy. In particular, a plan must offer mastectomy patient benefits for:
Our plan complies with these requirements. Benefits for these items generally are comparable to those provided under our plan for similar types of medical services and supplies. Of course, the extent to which any of these items is appropriate following mastectomy is a matter to be determined by consultation between the attending physician and the patient. Our plan neither imposes penalties (for example, reducing or limiting reimbursements) nor provides incentives to induce attending providers to provide care inconsistent with these requirements.