What’s New
What’s new and improved for 2024
Quality healthcare that’s affordable and accessible is a fundamental need for you and your family. You will see some changes and enhancements to our 2024 benefits package to improve the affordability, accessibility and quality of your benefits. Your medical plan options, deductibles and out-of-pocket maximums aren’t changing, except as required by the IRS for high deductible health plans. Go to the medical overview page to compare the plans.
Your and your family’s well-being is at the forefront of our decisions and we are committed to providing competitive and ever-evolving benefits. Your input matters. We value and will actively seek your feedback through surveys, focus groups and one-on-one discussions. Your insights help shape our benefit offerings.
- The premium for the HDHP plan option will be reduced across all coverage levels, and the OhioHealth HSA match will increase to $500, $750, and $1,000 depending on coverage level.
- Premiums for the PPO and PPO Assist plan options will not increase.
- Compare the 2024 premiums and deductibles for each plan.
The working spouse surcharge will be decreased by nearly 30% from $70 to $50 per pay period. We have reviewed and aligned the spousal surcharge with industry norms.
Like many employers, OhioHealth applies this surcharge to our medical coverage for associates choosing to cover their spouses who are eligible for a medical plan through their own employer. The surcharge promotes equitable sharing of healthcare costs between employers and reflects our commitment to offering quality benefits that are sustainable.
Be sure to review your Spousal Attestation selection during annual enrollment in Workday to make sure it is still correct.
We’re committed to helping you manage the cost of your prescription medications and accessing convenient in-network pharmacies. We will partner with Navitus in 2024 as our new Pharmacy Benefit Manager (PBM). Navitus offers many features to save you money:
- A formulary that offers lower-cost alternatives like generics or less expensive brand name drugs when clinically appropriate.
- Kroger will be included as a network pharmacy in 2024 for added convenience.
- OhioHealthy has teamed up with Navitus and GoodRx, the largest discount card in the country, to provide you with even more savings. When you fill a prescription using the pharmacy benefit, Navitus will compare the out-of-pocket cost under your benefit to the GoodRx price. You pay whichever is less. Just present your OhioHealthy member card to start saving.
- OhioHealthy will be implementing a Copay Savings Program to help ensure you are getting the most out of manufacturer copay assistance to save on specialty medications. This provides access to higher cost brand medications at a low out of pocket expense. The Navitus Access team will help find options to lower your out-of-pocket costs for more than 400 specialty and HIV medications. Participation is required when available. More information to come later this year.
Register and complete a Health Profile in Rightway by November 30, 2023 to earn a $30 credit to your 2024 medical plan premium.
Lower your costs by using the Rightway app and/or connecting with a Rightway health guide for guidance on all non-emergency healthcare needs. You also earn an additional $5 per pay premium credit by using Rightway.
OhioHealth is implementing consistent imaging pricing for most services across the system for OhioHealthy associates who are OhioHealthy Plan members. This can include x-rays, CT Scans, MRIs, Ultrasounds and Mammograms. For example, an x-ray at OhioHealth Mansfield Hospital will be similar in cost to an x-ray at Riverside Methodist. This change means you can:
- Expect clear and predictable pricing, making it easier for you to anticipate costs associated with specific procedures.
- Access close-to-home care knowing all OhioHealth facilities will have consistent pricing.
Maven offers comprehensive care for planning a family. Maven’s programs will offer all OhioHealthy members support and concierge-level benefits for fertility and family planning, menopause, and ongoing care.
Vision premiums will be reduced with the same level of coverage and services.
Expect a new medical claims processor
The OhioHealthy medical plan claims processor will change to improve your service experience.
Here’s what you need to know:
- You will receive a new OhioHealthy medical ID card for 2024. Be sure to show your new ID card to your provider(s) and pharmacy.
- There will be a new phone number to call for OhioHealthy member advocates.
- You will need to register your OhioHealthy account through a new online portal.
Additional details will be shared with medical plan members before January 1, 2024.
Managing the high cost of healthcare
Healthcare costs continue to rise. You and OhioHealth share the cost of your medical benefits. OhioHealth pays approximately 80% of whatever it costs for you to receive care and you pay 20%. Working together, we can bring down the total cost.
There are two main things you can do:
- Choose Carefully
- Save with Rightway
The OhioHealthy HDHP, PPO, and PPO Assist feature a three-tier provider network. This means you and your covered family members will choose which tier to use each time you seek care.
Understanding the provider network tiers is important. By choosing providers within tiers 1 and 2, you can get substantial savings on your healthcare expenses. Learn more about tiers and how you can save.
Also, using the right healthcare facility can help you save money, time, and ensure you receive the appropriate care. While the Emergency Department (ED) is a vital resource for urgent and life-threatening situations, it’s important to reserve it for true emergencies. Visiting the ED for non-emergent care can result in significantly higher costs compared to other care options, like Urgent Care or Primary Care office and virtual visits.
Accessible care also means 24/7 access to providers, right from the comfort of your home. As an OhioHealthy member, you have access to virtual options for medical and behavioral health visits – all you need is a computer or a mobile device. Choosing the right care setting ensures that you receive appropriate and timely treatment without unnecessary waiting.
Use the Rightway app to connect with a Health Guide to help you consider the severity of your condition and choose the right network provider and care setting before you head to the ED. Rightway helps you with this and other important healthcare decisions and can save you money.