Answering Your Questions From the Benefits Survey

Juliette Houseman, Benefits Specialist, continues to address some of the questions being submitted from the Benefits Survey. 

Remeber that completion of the survey is also a required baseline item for completing this year’s Wellness Program. The survey will be open from Sept. 1, 2018 through May 31, 2019. The Agency’s Insurance Committee uses this information when considering employee benefits, so be sure to complete the survey and let your voice be heard! 

Take the Survey

Q: I had a CAT scan after an abnormal mammogram, and it cost well over $300 out-of-pocket. Why? 
A: CAT scans billed as outpatient or when the provider of the scan is tied into a hospital are typically higher and can cost a patient up to 100%. It is a good practice to check with the CAT scan provider prior to the procedure. HRA monies can be used to pay for these types of out-of-pocket costs. 

Q: Why can’t we increase the limit on our Medical Flex spending accounts? 
A: The amount of money you can put into your Medical Flex spending account is an IRS regulation, so unfortunately, Heartland AEA is unable to change the limit. 

Q: Can our dental plan offer a higher annual maximum coverage amount? 
A: Heartland AEA offers comparable coverage to other employers according to Delta Dental’s Book of Business. In fact, our agency has a higher benefit period maximum of $1,500. According to Delta, most employers have a benefit period maximum of $1,000. Also, higher maximums equal higher premiums.