Vermilion Parish School Board offers two different health insurance plans

The Vermilion Parish School Board Insurance Committee accepted two different United Health Care Insurance plans presented to them by Lloyd Campisi, the school district’s insurance agent.
Campisi explained to the school board members the difference between the two plans.
School Board member Anthony Fontana, who is president of the insurance committee, said, “We wanted to keep benefits good and premiums as low as possible.”
Campisi told the committee members that the school board now has to offer two separate plans to employees because of the Affordable Care Act (Obama Care).
The two plans are: Choice Plus Plan and the Bronze Plan.
The Choice Plus Plan is going to be more expensive per month than the Bronze Plan because the benefits are better, Campisi added.
The new health insurance plan will go into effect in May.
Next month Campisi and school board officials are expected to visit each school and talk to school employees to explain to them the difference between the two plans.
The big question Campisi could not answer was how much the new plan will cost employees each month. The school board members will decide on the cost of the plans at Thursday night’s regular scheduled meeting.
He did say retired school employees will not see a rate increase in their insurance coverage.

Here are comparison between the two plans for individuals and families.

Deductible

Choice Plan - Single person - The deductible is $750 (same as last year). Family plan - $1,500 deductible.
Bronze Plan - Single person - $3,500 deductible. Family plan $7,000 deductible.

Doctor’s Visit

Choice Plan - Primary Doctor’s Office Visit - $25 co-payment; Specialist Office Visit - $45 co-payment
Bronze Plan - Primary Doctor’s Office Visit - $30 co-payment; Specialist Office Visit - $60 for certain doctors, $90 for other doctors.

Hospital Stay

Choice Plan - Inpatient Hospital Stay- 80 percent after deductible has been met at any hospital. (Gone is the $750 hospital co-pay).
Bronze Plan - Inpatient Hospital Stay - 80 percent after deductible, plus, a $500 co-pay has been made for certain hospitals in the area (Kaplan Hospital and Lafayette General). The co-pay increases to $1,000 for all other hospitals in Acadiana.

Lab Work, X-Rays

Choice Plan - Lab-work, X-rays, MRI, CTs, PET Scans - 80 percent coverage after deductible is reached. (old plan was 100 percent coverage).
Bronze Plan - Lab-work, X-rays, MRI, CTs, PET Scans - 80 percent coverage after deductible is reached, plus, $500 co-pay per service.

Therapy

Choice Plan - Physical Therapy, Speech Therapy, Occupational Therapy, Cardiac Rehab - $25 co-payment per visit with no limits.
Bronze Plan - Physical Therapy, Speech Therapy, Occupational Therapy, Cardiac Rehab - $30 co-payment per visit with no limits.

Emergency Room Visit

Choice Plan - $350 Co-payment per visit (old plan was $175 co-pay per visit).
Bronze Plan - $350 co-payment per visit.

Outpatient Surgery

Choice Plan - Outpatient Surgery - 80 percent after deductible has been met with no payment. (old plan had $250 co-payment for surgery)
Bronze Plan- Outpatient Surgery - 80 percent after deductible has been met with $500 co-payment per procedure.

Prescription Drugs

Choice Plan - Prescription drugs - $10 Tier 1, $35 Tier 2, $75 Tier 3
Bronze Plan - Prescription drugs - $15 Tier 1, $45 Tier 2, $85 Tier 3 and $200 Tier 4.