Are you and your family getting the most out of your health and wellness benefits?
Empower yourself and your loved ones by learning more about the resources available to you.
1. PROTECT YOURSELF AND YOUR FAMILY
According to the CDC, more than 100,000 deaths could be prevented each year if people received preventive care. That’s why we believe preventive health is so important. Your Railroad medical plan covers recommended Affordable Care Act (ACA) preventive health services 100% when you use an in-network provider.
Curious which services are covered for your family?
Call your medical insurance company.
2. SAVE TIME AND MONEY ON MEDICATIONS
Skip a trip to the pharmacy by using Express Scripts mail order to fill a 90-day supply and check on lowering your copays with generic drug options.
Have questions about a prescription?
Call Express Scripts Member Services 24/7.
3. PAY LESS BY USING IN-NETWORK SERVICE
When you use in-network providers for medical, dental, vision and behavioral health, you’ll benefit from the lowest out-of-pocket costs. While using out-of-network providers is always an option, please know that you will end up paying more out of pocket.
Wondering if your provider is in-network?
Call the dental, vision, behavioral health or appropriate medical insurance company.
4. ACCESS MENTAL HEALTH RESOURCES AVAILABLE TO YOU
Relationship issues, daily responsibilities at work and other factors can affect your emotional health. If you or a loved one is feeling overwhelmed or finding it difficult to cope with stressful situations, it may be time to talk to a professional.
Not sure where to start?
Call United Behavioral Health 24/7 to speak privately with a professional.
HELPFUL NOTE: If seeking services on your own, be sure to verify that the provider is in-network.
5. TAKE ADVANTAGE OF EXPERT COACHING SERVICES
Your medical plan offers wellness coaching for you and your family. You can work privately with a coach to create a simple plan to exercise more, eat better, quit smoking, reduce stress and more. Plans can be customized based on your schedule, budget and fitness level.
Interested in a personalized plan?
Call your medical insurance company and ask to connect with a wellness coach.
6. GET QUALITY-RATED CARE
You and your family deserve the very best. Your medical insurance company can help you check quality (and cost-efficiency) measures on numerous physicians, facilities and/or specialties.
Prefer a provider rated for quality?
Call your medical insurance company to learn about your options.
7. SAVE ON HEALTH CARE-RELATED EXPENSES WITH AN FSA
Contributing to a health flexible spending account (FSA) allows you to save pre-tax dollars while putting aside money for eligible health care expenses. Each year, you can sign up during open enrollment (October 1–31) to select the amount of money you want to contribute from each paycheck in the year ahead.
Want more info?
Click here to learn more.
WHO TO CONTACT
Medical Insurance Companies
Highmark Blue Cross Blue Shield: 1-866-267-3320
Express Scripts: 1-800-842-0070
United Behavioral Health: 1-866-850-6212
Health Flexible Spending Account
FSA Customer Care: 1-888-298-9754
The material contained in this article has been selected to provide background and useful information. It is not designed to replace either medical advice or medical treatment. Always seek the advice of a qualified physician or health provider for medical diagnosis and treatment
©2017 Your Track to Health (ES 17-0750a) Source: cdc.gov