Medical benefits are provided through a Section 125 cafeteria plan and offers general medical services, prescription drug services and routine vision exams.
General medical services are administered through Blue Cross of Idaho.
There are three options to choose from with varying benefits schedules providing a higher benefit for use of network providers. Two preferred provider organization (PPO) options offer salary-based deductibles. A consumer-driven health plan (CDHP) option offers fixed-dollar deductibles with the ability to participate in a Health Savings Account (HSA) with a company contribution.
Prescription drug services are administered through Blue Cross of Idaho with CVS Caremark managing its pharmacy benefits.
Routine annual vision exams are administered through Vision Service Plan (VSP). Exams may be obtained from any vision care provider, but a higher benefit is provided when a VSP provider is used.
INL pays approximately 80% of the cost of these benefits. Employee costs are deducted from paychecks each week on a pre-tax basis.