Medical coverage is provided through a Section 125 cafeteria plan and offers general medical services, mental health services, prescription drug services and routine vision exams. General medical services are provided by Blue Cross of Idaho through its national Preferred Provider Organization plan.
There are three options to choose from with varying benefits schedules providing a higher benefit for use of a network provider. Deductibles and out-of-pocket maximums are based on a percentage of the employee’s salary (up to $80,000).
Prescription drug services are provided by CVS/Caremark using three methods: retail pharmacy (30-day supply), specialty pharmacy (30-day supply) and mail order drug (90-day supply). Employees pay 20% of the retail pharmacy cost, subject to minimums and maximums. Copayments for the two other methods are: generic — $10, preferred formulary brand — $30, and non-preferred brand — $60.
Routine vision exams are provided by 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. The remaining 20% is deducted from the employee’s paycheck each week as a pre-tax deduction.