You have the choice of three medical plan options – the Consumer Plan, the Consumer Plus Plan and the Traditional Plan. Each plan covers the same services. All plans are administered by Ameriben.
Consumer Plan |
Consumer Plus Plan |
Traditional Plan |
|
|---|---|---|---|
| Type of Plan | High Deductible Health Plan (HDHP) | High Deductible Health Plan (HDHP) | Preferred Provider Organization (PPO) |
| Paycheck Deductions | Lowest | Middle | Highest |
| Deductible | Highest | Middle | Lowest |
| Eligible for Health Savings Account (HSA)? | check_circle | check_circle | Healthcare Spending Account (Flexible Spending Account) |
| Company HSA Contribution | Individual: $250 Family: $500 |
Individual: $350 Family: $700 |
N/A |
| Annual Deductible | Individual: $3,000 Family: $6,000 |
Individual: $1,500 Family: $3,000 |
Individual: $750 Family: $1,500 |
| Annual Out-of-Pocket Maximum (Medical / Rx) | Individual: $6,000 Family: $9,000 For an individual in Family Coverage: $6,650 |
Individual: $4,000 Family: $6,000 |
Individual: $3,000 Family: $4,500 |
| Office Visits | You pay 20% Newell Brands pays 80% |
You pay 20% Newell Brands pays 80% |
Primary care physician: You pay $25 Specialist: You pay $50 |
| Coinsurance* | You pay 20% Newell Brands pays 80% |
You pay 20% Newell Brands pays 80% |
You pay 20% Newell Brands pays 80% |
| Emergency Room* | You pay 20% (+$250 surcharge for non-emergency use) Newell Brands pays 80% |
You pay 20% (+$250 surcharge for non-emergency use) Newell Brands pays 80% |
You pay 20% (+$250 surcharge for non-emergency use) Newell Brands pays 80% |
| Prescription Drug Coverage | Details | Details | Details |
* After deductible, except for certain preventive services that are covered at 100%. For additional coverage details, refer to the Summary Plan Descriptions and Summaries of Benefits and Coverage available at WellAtNewell.com or by calling the Newell Brands Benefits Center.
Is it a Real Emergency?
There is a $250 penalty for using the emergency room (ER) in a non-emergency situation. In 2020, each time you visit the ER for a non-emergency:
- If you have not met your deductible, the first $250 of the visit will not apply to your 2020 deductible or your out-of-pocket (OOP) maximum.
- If you have met your deductible, Newell Brands' coinsurance will not be applied to the first $250 and will not apply to your 2020 OOP maximum.
- If you have met the OOP maximum, you are responsible for the first $250, then Newell Brands will pay 100% for eligible expenses above that amount.
